Connecticut_Life_and_Health_Insurance_
Examination_Study_Guide_2025_2026
1. Laura added a children's rider to Level term
her life insurance policy. What
type of coverage was added?
2. With life insurance, the needs How much life insurance a client should apply for
approach is used primarily in de-
termining
3. A(n) __________ is a licensee who Consultant
charges a fee for contracted in-
surance advisory services.
4. Jonas is covered with disability Taxes must be paid on 75% of the bene�ts received
insurance through his employer.
The employer pays 75% of the
premium, while Jonas pays the
other 25%. What is Jonas' tax li-
ability for any bene�ts paid from
the disability plan?
5. The Commissioner is empow- Makes rules that are consistent with those of neighboring
ered to perform each of the fol- states
lowing acts EXCEPT
(Monitor insurer solvency, make rules and regulations that
are consistent with the laws of CT, monitor insurer premi-
um rates)
6. How are the premiums for an Not tax-deductible at all
individually-owned disability in-
come policy treated for tax pur-
poses?
7.
, Scott has a life insurance pol- Equal the net single premium for the same face amount at
icy in which the dividends are the insured's attained age
left with the insurance compa-
ny. This particular policy may be
paid up when the cash value plus
accumulated dividends
8. Which of these is NOT a standard Prior hospitalization
provision in quali�ed long-term
care policies sold in Connecticut? (30-day free look period, guaranteed renewability, provide
minimum coverage for 12 consecutive months)
9. Accident and health insurance Assignment of bene�ts
claim handling is made more
convenient to the insured by uti-
lizing
10. Specialty care is provided Neurologist
by which of the following
health maintenance organiza-
tion (HMO) providers?
11. Which of the following facili- Reciprocity agreement
tates nonresident licensing in
the state of Connecticut?
12. To secure authority for solicit- The Connecticut Insurance Commissioner
ing insurance products in the
State of Connecticut, an insur-
ance company must secure a
certi�cate of authority from
13. Summary of policy features and bene�ts
, A group health certi�cate for
coverage issued in Connecticut
MUST contain a(n)
14. Any employee insured under a Covered with term life insurance
group life insurance plan is nor-
mally
15. Which statement regarding Insurance coverage can continue for life
whole life insurance is accurate?
16. All of these are considered to be Claims reimbursement
a violation of the Federal Fraud
and False Statements Act EXCEPT (Overvaluing land, abstracting funds, false entries on re-
ports)
17. A comprehensive major med- Experimental and investigative services
ical health insurance policy con-
tains an Eligible Expenses provi- (Hospital charges, physician fees, nursing services)
sion which identi�es the types of
health care services that are cov-
ered. All of the following health
care services are typically cov-
ered EXCEPT for
18. An employee welfare plan ex- Church plans
empt from ERISA regulations
would be
19. Medicare Part B excess charges Medicare Supplemental insurance
are covered by
20. A major medical expense policy Pay surgeon fees on a �rst-dollar basis
typically does NOT
, (Contain a deductible, have a high limit of coverage, con-
tain a coinsurance provision)
21. Mary has a Health Savings Ac- 20%
count (HSA). Distributions that
she has made for anything other
than quali�ed medical expenses
are considered taxable and sub-
ject to a penalty of
22. Under an adjustable life insur- The person insured
ance policy, which of the follow-
ing may NOT be changed with- (The period of coverage, the payment period, the plan of
out further underwriting? coverage)
23. When a producer acts within the The insurer
scope of his/her contractual au-
thority, which of the following is
legally responsible for these ac-
tions?
24. An accident and health insurer Bringing legal action against the insurer
has just received written proof of
loss from one of its insureds. The
insured must now wait 60 days
before
25. During the sale of a life insur- Never
ance policy, a producer may pro-
vide an incomplete illustration
26. Taking a sum of money and de- Capital liquidation
creasing it in size is called
Examination_Study_Guide_2025_2026
1. Laura added a children's rider to Level term
her life insurance policy. What
type of coverage was added?
2. With life insurance, the needs How much life insurance a client should apply for
approach is used primarily in de-
termining
3. A(n) __________ is a licensee who Consultant
charges a fee for contracted in-
surance advisory services.
4. Jonas is covered with disability Taxes must be paid on 75% of the bene�ts received
insurance through his employer.
The employer pays 75% of the
premium, while Jonas pays the
other 25%. What is Jonas' tax li-
ability for any bene�ts paid from
the disability plan?
5. The Commissioner is empow- Makes rules that are consistent with those of neighboring
ered to perform each of the fol- states
lowing acts EXCEPT
(Monitor insurer solvency, make rules and regulations that
are consistent with the laws of CT, monitor insurer premi-
um rates)
6. How are the premiums for an Not tax-deductible at all
individually-owned disability in-
come policy treated for tax pur-
poses?
7.
, Scott has a life insurance pol- Equal the net single premium for the same face amount at
icy in which the dividends are the insured's attained age
left with the insurance compa-
ny. This particular policy may be
paid up when the cash value plus
accumulated dividends
8. Which of these is NOT a standard Prior hospitalization
provision in quali�ed long-term
care policies sold in Connecticut? (30-day free look period, guaranteed renewability, provide
minimum coverage for 12 consecutive months)
9. Accident and health insurance Assignment of bene�ts
claim handling is made more
convenient to the insured by uti-
lizing
10. Specialty care is provided Neurologist
by which of the following
health maintenance organiza-
tion (HMO) providers?
11. Which of the following facili- Reciprocity agreement
tates nonresident licensing in
the state of Connecticut?
12. To secure authority for solicit- The Connecticut Insurance Commissioner
ing insurance products in the
State of Connecticut, an insur-
ance company must secure a
certi�cate of authority from
13. Summary of policy features and bene�ts
, A group health certi�cate for
coverage issued in Connecticut
MUST contain a(n)
14. Any employee insured under a Covered with term life insurance
group life insurance plan is nor-
mally
15. Which statement regarding Insurance coverage can continue for life
whole life insurance is accurate?
16. All of these are considered to be Claims reimbursement
a violation of the Federal Fraud
and False Statements Act EXCEPT (Overvaluing land, abstracting funds, false entries on re-
ports)
17. A comprehensive major med- Experimental and investigative services
ical health insurance policy con-
tains an Eligible Expenses provi- (Hospital charges, physician fees, nursing services)
sion which identi�es the types of
health care services that are cov-
ered. All of the following health
care services are typically cov-
ered EXCEPT for
18. An employee welfare plan ex- Church plans
empt from ERISA regulations
would be
19. Medicare Part B excess charges Medicare Supplemental insurance
are covered by
20. A major medical expense policy Pay surgeon fees on a �rst-dollar basis
typically does NOT
, (Contain a deductible, have a high limit of coverage, con-
tain a coinsurance provision)
21. Mary has a Health Savings Ac- 20%
count (HSA). Distributions that
she has made for anything other
than quali�ed medical expenses
are considered taxable and sub-
ject to a penalty of
22. Under an adjustable life insur- The person insured
ance policy, which of the follow-
ing may NOT be changed with- (The period of coverage, the payment period, the plan of
out further underwriting? coverage)
23. When a producer acts within the The insurer
scope of his/her contractual au-
thority, which of the following is
legally responsible for these ac-
tions?
24. An accident and health insurer Bringing legal action against the insurer
has just received written proof of
loss from one of its insureds. The
insured must now wait 60 days
before
25. During the sale of a life insur- Never
ance policy, a producer may pro-
vide an incomplete illustration
26. Taking a sum of money and de- Capital liquidation
creasing it in size is called
