Aflac Academy Insurance ACTUAL EXAM 150
QUESTIONS AND CORRECT ANSWERS A2025-
2026 LATEST ALREADY GRADED +
*A situation that arises during the sale of insurance coverage to a customer in which the producer's
self interest interferes with their obligation to act in the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - CORRECT ANSWER-*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a customer's insurance
coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - CORRECT ANSWER-*B. declining health status*
*What MUST insurance producers have in the event of being sued for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - CORRECT ANSWER-*C. errors and omissions insurance coverage*
*National Sales Guidelines combine _____ and _____ for Aflac specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above - CORRECT ANSWER-*B. Procedures, direction*
*If your local radio station requests an interview with you to discuss Aflac Insurance products in your
capacity as an Aflac sales producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of Aflac
,B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to
discuss Aflac or its products with the media. - CORRECT ANSWER-*C. NO, only individuals authorized
by Aflac WorldWide Headquarters (WWH) are permitted to discuss Aflac or its products with the
media.*
*Purposely holding applications for contest qualification for yourself or others is
________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - CORRECT ANSWER-*C. a prohibited practice*
*With Specified Health Event (SHE), benefits for dependent children are:*
A. The same as the insured/spouse
B. Triple the amount of the insured/spouse
C. 50% of the amount of the insured/spouse
D. 25% of the amount of the insured/spouse - CORRECT ANSWER-*C. 50% of the amount of the
insured/spouse*
*Lump Sum Critical Illness (LSCI)/Specified Health Event (SHE) coverage from Aflac may be
appropriate for a customer because:*
(A) Benefits are intended to help pay for expenses not covered by major medical
(B) Benefits can complement coverage provided by primary major medical insurance
(C) Benefits will cover all of a customer's expenses for a critical illness or specified event
(D) A and B - CORRECT ANSWER-*(D) A and B*
*The flexibility of Aflac's Lump Sum Critical Illness (LSCI) plan allows policyholders to choose their
own medical treatment provider.*
A. True
B. False - CORRECT ANSWER-*A. True*
*Specified Health Event (SHE) coverage from Aflac is designed to provide coverage for critical
illnesses such as:*
A. Loss of limb due to a car accident
, B. Heart attack, stroke, and end stage renal failure
C. Pneumonia - CORRECT ANSWER-*B. Heart attack, stroke, and end stage renal failure*
*If the amount requested for Lump Sum Critical Illness (LSCI) is more than $10,000, what happens?*
A. Amounts in excess of $10,000 are automatically approved.
B. Amounts in excess of $10,000 must be approved by the DOI.
C. Amounts in excess of $10,000 must be approved by WWHQ. - CORRECT ANSWER-*C. Amounts in
excess of $10,000 must be approved by WWHQ.*
*The Lump Sum Critical Illness (LSCI) plan has a Subsequent Critical Illness Benefit.*
A. True
B. False - CORRECT ANSWER-*A. True*
*The following are all characteristics of Individual Accident Only coverage from Aflac, EXCEPT:*
A. Coverage is individually owned and portable
B. Benefits are coordinated with major medical coverage
C. Designed to provide policyholders with benefits throughout the stages of care
D. There are no network provider requirements - CORRECT ANSWER-*B. Benefits are coordinated
with major medical coverage*
*Aflac's Accident Only coverage is available to ____________ occupational classes.*
A. Two
B. Three
C. Four
D. Five - CORRECT ANSWER-*D. Five*
*Aflac's Accident Only coverage provides coverage for a covered accident that occurs TWO days
BEFORE the Effective Date of coverage.*
A. True
B. False - CORRECT ANSWER-*B. False*
QUESTIONS AND CORRECT ANSWERS A2025-
2026 LATEST ALREADY GRADED +
*A situation that arises during the sale of insurance coverage to a customer in which the producer's
self interest interferes with their obligation to act in the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - CORRECT ANSWER-*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a customer's insurance
coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - CORRECT ANSWER-*B. declining health status*
*What MUST insurance producers have in the event of being sued for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - CORRECT ANSWER-*C. errors and omissions insurance coverage*
*National Sales Guidelines combine _____ and _____ for Aflac specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above - CORRECT ANSWER-*B. Procedures, direction*
*If your local radio station requests an interview with you to discuss Aflac Insurance products in your
capacity as an Aflac sales producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of Aflac
,B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to
discuss Aflac or its products with the media. - CORRECT ANSWER-*C. NO, only individuals authorized
by Aflac WorldWide Headquarters (WWH) are permitted to discuss Aflac or its products with the
media.*
*Purposely holding applications for contest qualification for yourself or others is
________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - CORRECT ANSWER-*C. a prohibited practice*
*With Specified Health Event (SHE), benefits for dependent children are:*
A. The same as the insured/spouse
B. Triple the amount of the insured/spouse
C. 50% of the amount of the insured/spouse
D. 25% of the amount of the insured/spouse - CORRECT ANSWER-*C. 50% of the amount of the
insured/spouse*
*Lump Sum Critical Illness (LSCI)/Specified Health Event (SHE) coverage from Aflac may be
appropriate for a customer because:*
(A) Benefits are intended to help pay for expenses not covered by major medical
(B) Benefits can complement coverage provided by primary major medical insurance
(C) Benefits will cover all of a customer's expenses for a critical illness or specified event
(D) A and B - CORRECT ANSWER-*(D) A and B*
*The flexibility of Aflac's Lump Sum Critical Illness (LSCI) plan allows policyholders to choose their
own medical treatment provider.*
A. True
B. False - CORRECT ANSWER-*A. True*
*Specified Health Event (SHE) coverage from Aflac is designed to provide coverage for critical
illnesses such as:*
A. Loss of limb due to a car accident
, B. Heart attack, stroke, and end stage renal failure
C. Pneumonia - CORRECT ANSWER-*B. Heart attack, stroke, and end stage renal failure*
*If the amount requested for Lump Sum Critical Illness (LSCI) is more than $10,000, what happens?*
A. Amounts in excess of $10,000 are automatically approved.
B. Amounts in excess of $10,000 must be approved by the DOI.
C. Amounts in excess of $10,000 must be approved by WWHQ. - CORRECT ANSWER-*C. Amounts in
excess of $10,000 must be approved by WWHQ.*
*The Lump Sum Critical Illness (LSCI) plan has a Subsequent Critical Illness Benefit.*
A. True
B. False - CORRECT ANSWER-*A. True*
*The following are all characteristics of Individual Accident Only coverage from Aflac, EXCEPT:*
A. Coverage is individually owned and portable
B. Benefits are coordinated with major medical coverage
C. Designed to provide policyholders with benefits throughout the stages of care
D. There are no network provider requirements - CORRECT ANSWER-*B. Benefits are coordinated
with major medical coverage*
*Aflac's Accident Only coverage is available to ____________ occupational classes.*
A. Two
B. Three
C. Four
D. Five - CORRECT ANSWER-*D. Five*
*Aflac's Accident Only coverage provides coverage for a covered accident that occurs TWO days
BEFORE the Effective Date of coverage.*
A. True
B. False - CORRECT ANSWER-*B. False*
