MICHIGAN LIFE, ACCIDENT, AND HEALTH EXAM
PREP QUESTIONS WITH CORRECT ANSWERS 2025
AApolicyownerAmayAchangeAtwoApolicyAfeaturesAonAwhatAtypeAofAlifeAinsurance?A-ACORRECTAANSWERA-
AdjustableAlife
TheAlegalAactionAprovisionAinAaAhealthAcontractAisAlimitedAtoAnoAmoreAthanA___Ayears.A-
ACORRECTAANSWERA-5
Long-TermACareApoliciesAmayAprovideAcoverageAforAclaimsAarisingAfromA-ACORRECTAANSWERA-
SenileAdementia
InAgroupAhealthAcare,AwhatAisAtheApurposeAofAtheAcoordinationAofAbenefitsAprovision?A-
ACORRECTAANSWERA-
DeterminesAwhatAisApaidAbyAtheAprimaryAandAsecondaryAinsuresAinAtheAeventAofAaAclaim
AllAofAtheAfollowingAridersAcanAincreaseAtheAdeathAbenefitAamountAEXCEPT
-CostAofALiving
-WaiverAofAPremium
-AccidentalADeathARider
-GuaranteedAInsurabilityA-ACORRECTAANSWERA-WavierAofApremium
FrankAisAshoppingAforAaAdisabilityAincomeApolicy.AWhichAofAtheAfollowingAwouldAhaveAtheAHIGHESTApremiu
m?
-14AdayAwaitingAperiodA/A5AyearAbenefitAperiod
-14AdayAwaitingAperiodA/A10AyearAbenefitAperiod
-28AdayAwaitingAperiodA/A5AyearAbenefitAperiod
-28AdayAwaitingAperiodA/A10AyearAbenefitAperiodA-ACORRECTAANSWERA-
14AdayAwaitingAperiodA/A10AyearAbenefitAperiod
WhichAofAtheAfollowingAisANOTAaAfederalArequirementAofAaAqualifiedAplan?
-MustAbenefitAaAbroadAcross-sectionAofAemployees
, -EmployeeAmustAbeAableAtoAmakeAunlimitedAcontributions
-VestingAscheduleAmustAbeAdefined
-EmployerAestablishesAtheAplanA-ACORRECTAANSWERA-
EmployeeAmustAbeAableAtoAmakeAunlimitedAcontributions
AAprovisionAthatAallowsAaApolicyownerAtoAwithdrawAaApolicy'sAcashAvalueAinterestAfreeAisAa(n)A-
ACORRECTAANSWERA-PartialAsurrender
InAMichigan,AlegalAactionAcanAbeAtakenAagainstAanAinsurerAforAfailureAtoApayALIFEAinsuranceAclaimsAforAaApe
riodAnotAtoAexceedA-ACORRECTAANSWERA-6Ayear
AllAofAtheAfollowingAareAexamplesAofAaABusinessAContinuationAPlanAEXCEPTA-ACORRECTAANSWERA-
DeferredAcompensation
AAproducerAMUSTAbeAappointedAbyAtheAinsurerAwithinAhowAmanyAdaysAfromAtheAdateAtheAagencyAcontrac
tAapplicationAisAsubmitted?A-ACORRECTAANSWERA-15
SmallAemployersAwhoAareAsponsoredAbyAanAinsurerAtoAprovideAgroupAbenefitsAtoAitsAemployeesAareAcalled
A-ACORRECTAANSWERA-MEWA
TomAhasAaAhomeAhealthAcareAbenefitAandAisAconfinedAtoAhisAhome.AWhichAofAtheseAbenefitsAisANOTAtypical
lyAcovered?A-ACORRECTAANSWERA-FullAtimeAnursingAcare
AnAHMOAthatAinvolvesAaApartnershipAofAphysiciansAandAotherAprovidersAwhoApracticeAoutAofAaAcentralAfacil
ityAisAcalledAa(n)A-ACORRECTAANSWERA-groupAHMO
WhichAofAtheseAwillAtypicallyAauthorizeAtreatmentAfromAaAspecialist?A-ACORRECTAANSWERA-Gatekeeper
WhatAhappensAtoAtheAcoverageAunderAaAchildren'sAtermAriderAwhenAthatAchildAreachesAaAcertainAspecified
Aage?A-ACORRECTAANSWERA-CoverageAisAeliminated
PREP QUESTIONS WITH CORRECT ANSWERS 2025
AApolicyownerAmayAchangeAtwoApolicyAfeaturesAonAwhatAtypeAofAlifeAinsurance?A-ACORRECTAANSWERA-
AdjustableAlife
TheAlegalAactionAprovisionAinAaAhealthAcontractAisAlimitedAtoAnoAmoreAthanA___Ayears.A-
ACORRECTAANSWERA-5
Long-TermACareApoliciesAmayAprovideAcoverageAforAclaimsAarisingAfromA-ACORRECTAANSWERA-
SenileAdementia
InAgroupAhealthAcare,AwhatAisAtheApurposeAofAtheAcoordinationAofAbenefitsAprovision?A-
ACORRECTAANSWERA-
DeterminesAwhatAisApaidAbyAtheAprimaryAandAsecondaryAinsuresAinAtheAeventAofAaAclaim
AllAofAtheAfollowingAridersAcanAincreaseAtheAdeathAbenefitAamountAEXCEPT
-CostAofALiving
-WaiverAofAPremium
-AccidentalADeathARider
-GuaranteedAInsurabilityA-ACORRECTAANSWERA-WavierAofApremium
FrankAisAshoppingAforAaAdisabilityAincomeApolicy.AWhichAofAtheAfollowingAwouldAhaveAtheAHIGHESTApremiu
m?
-14AdayAwaitingAperiodA/A5AyearAbenefitAperiod
-14AdayAwaitingAperiodA/A10AyearAbenefitAperiod
-28AdayAwaitingAperiodA/A5AyearAbenefitAperiod
-28AdayAwaitingAperiodA/A10AyearAbenefitAperiodA-ACORRECTAANSWERA-
14AdayAwaitingAperiodA/A10AyearAbenefitAperiod
WhichAofAtheAfollowingAisANOTAaAfederalArequirementAofAaAqualifiedAplan?
-MustAbenefitAaAbroadAcross-sectionAofAemployees
, -EmployeeAmustAbeAableAtoAmakeAunlimitedAcontributions
-VestingAscheduleAmustAbeAdefined
-EmployerAestablishesAtheAplanA-ACORRECTAANSWERA-
EmployeeAmustAbeAableAtoAmakeAunlimitedAcontributions
AAprovisionAthatAallowsAaApolicyownerAtoAwithdrawAaApolicy'sAcashAvalueAinterestAfreeAisAa(n)A-
ACORRECTAANSWERA-PartialAsurrender
InAMichigan,AlegalAactionAcanAbeAtakenAagainstAanAinsurerAforAfailureAtoApayALIFEAinsuranceAclaimsAforAaApe
riodAnotAtoAexceedA-ACORRECTAANSWERA-6Ayear
AllAofAtheAfollowingAareAexamplesAofAaABusinessAContinuationAPlanAEXCEPTA-ACORRECTAANSWERA-
DeferredAcompensation
AAproducerAMUSTAbeAappointedAbyAtheAinsurerAwithinAhowAmanyAdaysAfromAtheAdateAtheAagencyAcontrac
tAapplicationAisAsubmitted?A-ACORRECTAANSWERA-15
SmallAemployersAwhoAareAsponsoredAbyAanAinsurerAtoAprovideAgroupAbenefitsAtoAitsAemployeesAareAcalled
A-ACORRECTAANSWERA-MEWA
TomAhasAaAhomeAhealthAcareAbenefitAandAisAconfinedAtoAhisAhome.AWhichAofAtheseAbenefitsAisANOTAtypical
lyAcovered?A-ACORRECTAANSWERA-FullAtimeAnursingAcare
AnAHMOAthatAinvolvesAaApartnershipAofAphysiciansAandAotherAprovidersAwhoApracticeAoutAofAaAcentralAfacil
ityAisAcalledAa(n)A-ACORRECTAANSWERA-groupAHMO
WhichAofAtheseAwillAtypicallyAauthorizeAtreatmentAfromAaAspecialist?A-ACORRECTAANSWERA-Gatekeeper
WhatAhappensAtoAtheAcoverageAunderAaAchildren'sAtermAriderAwhenAthatAchildAreachesAaAcertainAspecified
Aage?A-ACORRECTAANSWERA-CoverageAisAeliminated