CT Life & Health Insurance
& Certified Solutions / 100%
_____________Quiz____________?
Laura added a children's rider to her life insurance policy. What type of coverage was
added? -
Answer✓✓
Level term
_____________Quiz____________?
With life insurance, the needs approach is used primarily in determining -
Answer✓✓
How much life insurance a client should apply for
_____________Quiz____________?
A(n) __________ is a licensee who charges a fee for contracted insurance advisory
services. -
Answer✓✓
Consultant
_____________Quiz____________?
1
, Jonas is covered with disability insurance through his employer. The employer pays 75% of
the premium, while Jonas pays the other 25%. What is Jonas' tax liability for any benefits
paid from the disability plan? -
Answer✓✓
Taxes must be paid on 75% of the benefits received
_____________Quiz____________?
The Commissioner is empowered to perform each of the following acts EXCEPT -
Answer✓✓
Makes rules that are consistent with those of neighboring states
(Monitor insurer solvency, make rules and regulations that are consistent with the laws of
CT, monitor insurer premium rates)
_____________Quiz____________?
How are the premiums for an individually-owned disability income policy treated for tax
purposes? -
Answer✓✓
Not tax-deductible at all
_____________Quiz____________?
Scott has a life insurance policy in which the dividends are left with the insurance company.
This particular policy may be paid up when the cash value plus accumulated dividends -
Answer✓✓
Equal the net single premium for the same face amount at the insured's attained age
_____________Quiz____________?
Which of these is NOT a standard provision in qualified long-term care policies sold in
Connecticut? -
Answer✓✓
2
, Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for 12
consecutive months)
_____________Quiz____________?
Accident and health insurance claim handling is made more convenient to the insured by
utilizing -
Answer✓✓
Assignment of benefits
_____________Quiz____________?
Specialty care is provided by which of the following health maintenance organization (HMO)
providers? -
Answer✓✓
Neurologist
_____________Quiz____________?
Which of the following facilitates nonresident licensing in the state of Connecticut? -
Answer✓✓
Reciprocity agreement
_____________Quiz____________?
To secure authority for soliciting insurance products in the State of Connecticut, an
insurance company must secure a certificate of authority from -
Answer✓✓
The Connecticut Insurance Commissioner
_____________Quiz____________?
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
3
, Answer✓✓
Summary of policy features and benefits
_____________Quiz____________?
Any employee insured under a group life insurance plan is normally -
Answer✓✓
Covered with term life insurance
_____________Quiz____________?
Which statement regarding whole life insurance is accurate? -
Answer✓✓
Insurance coverage can continue for life
_____________Quiz____________?
All of these are considered to be a violation of the Federal Fraud and False Statements Act
EXCEPT -
Answer✓✓
Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
_____________Quiz____________?
A comprehensive major medical health insurance policy contains an Eligible Expenses
provision which identifies the types of health care services that are covered. All of the
following health care services are typically covered EXCEPT for -
Answer✓✓
Experimental and investigative services
(Hospital charges, physician fees, nursing services)
4
& Certified Solutions / 100%
_____________Quiz____________?
Laura added a children's rider to her life insurance policy. What type of coverage was
added? -
Answer✓✓
Level term
_____________Quiz____________?
With life insurance, the needs approach is used primarily in determining -
Answer✓✓
How much life insurance a client should apply for
_____________Quiz____________?
A(n) __________ is a licensee who charges a fee for contracted insurance advisory
services. -
Answer✓✓
Consultant
_____________Quiz____________?
1
, Jonas is covered with disability insurance through his employer. The employer pays 75% of
the premium, while Jonas pays the other 25%. What is Jonas' tax liability for any benefits
paid from the disability plan? -
Answer✓✓
Taxes must be paid on 75% of the benefits received
_____________Quiz____________?
The Commissioner is empowered to perform each of the following acts EXCEPT -
Answer✓✓
Makes rules that are consistent with those of neighboring states
(Monitor insurer solvency, make rules and regulations that are consistent with the laws of
CT, monitor insurer premium rates)
_____________Quiz____________?
How are the premiums for an individually-owned disability income policy treated for tax
purposes? -
Answer✓✓
Not tax-deductible at all
_____________Quiz____________?
Scott has a life insurance policy in which the dividends are left with the insurance company.
This particular policy may be paid up when the cash value plus accumulated dividends -
Answer✓✓
Equal the net single premium for the same face amount at the insured's attained age
_____________Quiz____________?
Which of these is NOT a standard provision in qualified long-term care policies sold in
Connecticut? -
Answer✓✓
2
, Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for 12
consecutive months)
_____________Quiz____________?
Accident and health insurance claim handling is made more convenient to the insured by
utilizing -
Answer✓✓
Assignment of benefits
_____________Quiz____________?
Specialty care is provided by which of the following health maintenance organization (HMO)
providers? -
Answer✓✓
Neurologist
_____________Quiz____________?
Which of the following facilitates nonresident licensing in the state of Connecticut? -
Answer✓✓
Reciprocity agreement
_____________Quiz____________?
To secure authority for soliciting insurance products in the State of Connecticut, an
insurance company must secure a certificate of authority from -
Answer✓✓
The Connecticut Insurance Commissioner
_____________Quiz____________?
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
3
, Answer✓✓
Summary of policy features and benefits
_____________Quiz____________?
Any employee insured under a group life insurance plan is normally -
Answer✓✓
Covered with term life insurance
_____________Quiz____________?
Which statement regarding whole life insurance is accurate? -
Answer✓✓
Insurance coverage can continue for life
_____________Quiz____________?
All of these are considered to be a violation of the Federal Fraud and False Statements Act
EXCEPT -
Answer✓✓
Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
_____________Quiz____________?
A comprehensive major medical health insurance policy contains an Eligible Expenses
provision which identifies the types of health care services that are covered. All of the
following health care services are typically covered EXCEPT for -
Answer✓✓
Experimental and investigative services
(Hospital charges, physician fees, nursing services)
4
