1
KANSAS INSURANCE PRACTICE EXAM
ACTUAL 2025/2026 QUESTIONS AND
100% CORRECT ANSWERS
The consideration clause in an accident and health policy states the -
(ANSWER)applicant pays the initial premium
Which of the following reports may include information obtained by a telephone
call to the proposed insured? - (ANSWER)Inspection report
Health insurance policies are offered on a "take it or leave it" basis and referred
to as - (ANSWER)Contracts of Adhesion
The insurance policy clause that identifies the contracting parties and defines the
scope and limits of coverage is called - (ANSWER)Insuring clause
Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income Policy? - (ANSWER)It allows the insured to
maintain a policy in force while disabled and unable to pay premiums.
The coordination of benefits clause found in group health master contracts is
used to - (ANSWER)avoid double payment of benefits to an insured who has
duplicate group coverages
Which of the following provisions designates to whom claim payments are made?
- (ANSWER)Payment of Claims
,2
Medicare supplement policies are primarily designed to - (ANSWER)provide
additional benefits beyond those provided by Medicare
A married insured has an AD&D policy that names his brother as the primary
beneficiary and his son as the contingent beneficiary. If the insured and his
brother are both killed instantly in a train accident, the policy proceeds would be
paid to which of the following? - (ANSWER)The insured's son
Group health insurance specifies that what percentage of eligible individuals
MUST be offered coverage under a noncontributory plan? - (ANSWER)100
Under a Guaranteed Renewable Accident and Health policy, an insurer retains the
right to - (ANSWER)increase the premium rate for an entire class of insureds
A group long-term disability plan is integrated with SS when which of the
following statements is CORRECT? - (ANSWER)Social Security and group benefits
pay a combined maximum limit.
On June 1, S purchased a major medical policy and paid the initial premium to
producer T. Only July 1, Producer T received the policy from the insurance
company. The policy contained a Ten-Day Free Look provision. On July 3, Producer
T attempted to deliver the policy but found that S was not at home. On July 5, T
was able to deliver the policy to S. On July 7, S decided he did not want the policy.
S had 10 days from which day? - (ANSWER)July 5
, 3
The purpose of the MIB is to - (ANSWER)share medical data among member
companies
What law requires an insurer to notify an applicant in writing that an investigative
consumer report may be made on the applicant? - (ANSWER)Fair Credit
Reporting Act
What definition MOST accurately describes the Probationary Period? -
(ANSWER)The waiting period a new hire must satisfy prior to becoming eligible
for group health coverage
An insurer must provide claim forms to an insured within a MAXIMUM of how
many days after receiving notice of an Accident & Health Claim? -
(ANSWER)Fifteen
Under a group health plan, an employer may offer additional benefits to classes
of employees on the basis of all of the following factors except -
(ANSWER)Gender
What definition of disability would cover a permanent partial disability? -
(ANSWER)Residual disability
Which of the following statements is CORRECT about a disability income policy
with a Guaranteed Insurability rider? - (ANSWER)The insured may periodically
increase the amount of benefits payable under the policy
KANSAS INSURANCE PRACTICE EXAM
ACTUAL 2025/2026 QUESTIONS AND
100% CORRECT ANSWERS
The consideration clause in an accident and health policy states the -
(ANSWER)applicant pays the initial premium
Which of the following reports may include information obtained by a telephone
call to the proposed insured? - (ANSWER)Inspection report
Health insurance policies are offered on a "take it or leave it" basis and referred
to as - (ANSWER)Contracts of Adhesion
The insurance policy clause that identifies the contracting parties and defines the
scope and limits of coverage is called - (ANSWER)Insuring clause
Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income Policy? - (ANSWER)It allows the insured to
maintain a policy in force while disabled and unable to pay premiums.
The coordination of benefits clause found in group health master contracts is
used to - (ANSWER)avoid double payment of benefits to an insured who has
duplicate group coverages
Which of the following provisions designates to whom claim payments are made?
- (ANSWER)Payment of Claims
,2
Medicare supplement policies are primarily designed to - (ANSWER)provide
additional benefits beyond those provided by Medicare
A married insured has an AD&D policy that names his brother as the primary
beneficiary and his son as the contingent beneficiary. If the insured and his
brother are both killed instantly in a train accident, the policy proceeds would be
paid to which of the following? - (ANSWER)The insured's son
Group health insurance specifies that what percentage of eligible individuals
MUST be offered coverage under a noncontributory plan? - (ANSWER)100
Under a Guaranteed Renewable Accident and Health policy, an insurer retains the
right to - (ANSWER)increase the premium rate for an entire class of insureds
A group long-term disability plan is integrated with SS when which of the
following statements is CORRECT? - (ANSWER)Social Security and group benefits
pay a combined maximum limit.
On June 1, S purchased a major medical policy and paid the initial premium to
producer T. Only July 1, Producer T received the policy from the insurance
company. The policy contained a Ten-Day Free Look provision. On July 3, Producer
T attempted to deliver the policy but found that S was not at home. On July 5, T
was able to deliver the policy to S. On July 7, S decided he did not want the policy.
S had 10 days from which day? - (ANSWER)July 5
, 3
The purpose of the MIB is to - (ANSWER)share medical data among member
companies
What law requires an insurer to notify an applicant in writing that an investigative
consumer report may be made on the applicant? - (ANSWER)Fair Credit
Reporting Act
What definition MOST accurately describes the Probationary Period? -
(ANSWER)The waiting period a new hire must satisfy prior to becoming eligible
for group health coverage
An insurer must provide claim forms to an insured within a MAXIMUM of how
many days after receiving notice of an Accident & Health Claim? -
(ANSWER)Fifteen
Under a group health plan, an employer may offer additional benefits to classes
of employees on the basis of all of the following factors except -
(ANSWER)Gender
What definition of disability would cover a permanent partial disability? -
(ANSWER)Residual disability
Which of the following statements is CORRECT about a disability income policy
with a Guaranteed Insurability rider? - (ANSWER)The insured may periodically
increase the amount of benefits payable under the policy
