CT LIFE & HEALTH INSURANCE EXAM
2025 QUESTIONS AND ANSWERS
Laura added a children's rider to her life insurance policy. What type of coverage was added? -
ANS Level term
With life insurance, the needs approach is used primarily in determining - ANS How much life
insurance a client should apply for
A(n) __________ is a licensee who charges a fee for contracted insurance advisory services. -
ANS Consultant
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? - ANS Taxes must be paid on 75% of the benefits received
The Commissioner is empowered to perform each of the following acts EXCEPT - ANS 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)
How are the premiums for an individually-owned disability income policy treated for tax
purposes? - ANS Not tax-deductible at all
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 1
,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 -
ANS Equal the net single premium for the same face amount at the insured's attained age
Which of these is NOT a standard provision in qualified long-term care policies sold in
Connecticut? - ANS Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for 12
consecutive months)
Accident and health insurance claim handling is made more convenient to the insured by
utilizing - ANS Assignment of benefits
Specialty care is provided by which of the following health maintenance organization (HMO)
providers? - ANS Neurologist
Which of the following facilitates nonresident licensing in the state of Connecticut? -
ANS Reciprocity agreement
To secure authority for soliciting insurance products in the State of Connecticut, an insurance
company must secure a certificate of authority from - ANS The Connecticut Insurance
Commissioner
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
ANS Summary of policy features and benefits
Any employee insured under a group life insurance plan is normally - ANS Covered with term
life insurance
Which statement regarding whole life insurance is accurate? - ANS Insurance coverage can
continue for life
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 2
, All of these are considered to be a violation of the Federal Fraud and False Statements Act
EXCEPT - ANS Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
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 - ANS Experimental and investigative services
(Hospital charges, physician fees, nursing services)
An employee welfare plan exempt from ERISA regulations would be - ANS Church plans
Medicare Part B excess charges are covered by - ANS Medicare Supplemental insurance
A major medical expense policy typically does NOT - ANS Pay surgeon fees on a first-dollar
basis
(Contain a deductible, have a high limit of coverage, contain a coinsurance provision)
Mary has a Health Savings Account (HSA). Distributions that she has made for anything other
than qualified medical expenses are considered taxable and subject to a penalty of -
ANS 20%
Under an adjustable life insurance policy, which of the following may NOT be changed without
further underwriting? - ANS The person insured
(The period of coverage, the payment period, the plan of coverage)
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 3
2025 QUESTIONS AND ANSWERS
Laura added a children's rider to her life insurance policy. What type of coverage was added? -
ANS Level term
With life insurance, the needs approach is used primarily in determining - ANS How much life
insurance a client should apply for
A(n) __________ is a licensee who charges a fee for contracted insurance advisory services. -
ANS Consultant
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? - ANS Taxes must be paid on 75% of the benefits received
The Commissioner is empowered to perform each of the following acts EXCEPT - ANS 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)
How are the premiums for an individually-owned disability income policy treated for tax
purposes? - ANS Not tax-deductible at all
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 1
,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 -
ANS Equal the net single premium for the same face amount at the insured's attained age
Which of these is NOT a standard provision in qualified long-term care policies sold in
Connecticut? - ANS Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for 12
consecutive months)
Accident and health insurance claim handling is made more convenient to the insured by
utilizing - ANS Assignment of benefits
Specialty care is provided by which of the following health maintenance organization (HMO)
providers? - ANS Neurologist
Which of the following facilitates nonresident licensing in the state of Connecticut? -
ANS Reciprocity agreement
To secure authority for soliciting insurance products in the State of Connecticut, an insurance
company must secure a certificate of authority from - ANS The Connecticut Insurance
Commissioner
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
ANS Summary of policy features and benefits
Any employee insured under a group life insurance plan is normally - ANS Covered with term
life insurance
Which statement regarding whole life insurance is accurate? - ANS Insurance coverage can
continue for life
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 2
, All of these are considered to be a violation of the Federal Fraud and False Statements Act
EXCEPT - ANS Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
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 - ANS Experimental and investigative services
(Hospital charges, physician fees, nursing services)
An employee welfare plan exempt from ERISA regulations would be - ANS Church plans
Medicare Part B excess charges are covered by - ANS Medicare Supplemental insurance
A major medical expense policy typically does NOT - ANS Pay surgeon fees on a first-dollar
basis
(Contain a deductible, have a high limit of coverage, contain a coinsurance provision)
Mary has a Health Savings Account (HSA). Distributions that she has made for anything other
than qualified medical expenses are considered taxable and subject to a penalty of -
ANS 20%
Under an adjustable life insurance policy, which of the following may NOT be changed without
further underwriting? - ANS The person insured
(The period of coverage, the payment period, the plan of coverage)
Copyright ©2025 THEBRIGHT ALL RIGHTS RESERVED 3
