Pearson Vue National Health Insurance
Exam
Pearson Vue National Health Insurance Exam
Newest 2025/2026 Complete Questions And
Correct Detailed Answers (Verified Rationales)
|Brand New Version
Which of the following coverages may be added by endorsement to a Boiler and Machinery policy?
A. Expediting Expenses
B. Extra Expense
C. Property Damage Liability
D. Damage to Property of the Insured - Correct Answer :B
A Commercial Package policy must include at least how many coverage parts?
A. One
B. Two
C. Three
D. Four - Correct Answer :B
Which of the following terms can be defined as a policy provision that omits certain risks from
coverage?
A+ TEST BANK 1
, Pearson Vue National Health Insurance
Exam
A. Declarations
B. Insuring Agreement
C. Conditions
D. Exclusions - Correct Answer :D
Which of the following Homeowners coverages does NOT generally contain a deductible?
A. Personal property
B. Other structures
C. Liability
D. Dwelling - Correct Answer :C
In a Commercial Property form, if a building is left vacant, coverage for vandalism will continue for up
to how many days?
A. Thirty
B. Forty-five
C. Sixty
A+ TEST BANK 2
, Pearson Vue National Health Insurance
Exam
D. Ninety - Correct Answer :C
When delivering a policy to a client, a producer should take all of the following actions EXCEPT:
A. collect any premiums due
B. fully explain all exclusions and/or riders
C. keep the policy in the producer's office for safe-keeping on behalf of the client
D. review all benefits provided by the policy - Correct Answer :C
A married insured has an Accidental Death and Dismemberment (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?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - Correct Answer :C
Which of the following definitions MOST accurately describes the Probationary Period?
A. The period of time from the date of the loss until the benefits begin
B. The period of time from the date of the loss until benefits are actually received by the policyowner
C. The waiting period a new hire must satisfy prior to becoming eligible for group health coverage
D. The period of time once a claim is received by the insurance company before it pays benefits to
the policyowner - Correct Answer :C
The Elimination Period in most Disability Income policies applies:
A. to each separate disability
B. to claims for accidents only
C. during the first 30 days of the contract
A+ TEST BANK 3
, Pearson Vue National Health Insurance
Exam
D. during short-term disabilities that are easily managed - Correct Answer :A
The PRIMARY purpose of Medicaid is to:
A. pay for expenses not covered by Medicare
B. provide Disability Income benefits to people on Medicare
C. provide Medical Expense coverage to persons meeting certain minimum income requirements
D. provide funds for people injured in natural disasters - Correct Answer :C
In which of the following health policies are both the renewability and the premiums guaranteed?
A. Noncancellable
B. Optionally Renewable
C. Guaranteed Renewable
D. Conditionally Renewable - Correct Answer :A
An insured whose Disability Income policy contains a Change of Occupation clause takes a new job in
a more hazardous occupation and fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the following actions?
A. Cancel the policy and refund one year's premiums
B. Settle the claim according to what the premiums would have purchased under the more
hazardous occupation
C. Pay the claim in full and then cancel the policy
D. Pay the claim after deducting an extra one-year premium payment - Correct Answer :B
Which of the following reports may include information obtained by a telephone call to the proposed
insured?
A. Medical Information Bureau (MIB) report
B. Attending physician's report
C. Inspection report
A+ TEST BANK 4
Exam
Pearson Vue National Health Insurance Exam
Newest 2025/2026 Complete Questions And
Correct Detailed Answers (Verified Rationales)
|Brand New Version
Which of the following coverages may be added by endorsement to a Boiler and Machinery policy?
A. Expediting Expenses
B. Extra Expense
C. Property Damage Liability
D. Damage to Property of the Insured - Correct Answer :B
A Commercial Package policy must include at least how many coverage parts?
A. One
B. Two
C. Three
D. Four - Correct Answer :B
Which of the following terms can be defined as a policy provision that omits certain risks from
coverage?
A+ TEST BANK 1
, Pearson Vue National Health Insurance
Exam
A. Declarations
B. Insuring Agreement
C. Conditions
D. Exclusions - Correct Answer :D
Which of the following Homeowners coverages does NOT generally contain a deductible?
A. Personal property
B. Other structures
C. Liability
D. Dwelling - Correct Answer :C
In a Commercial Property form, if a building is left vacant, coverage for vandalism will continue for up
to how many days?
A. Thirty
B. Forty-five
C. Sixty
A+ TEST BANK 2
, Pearson Vue National Health Insurance
Exam
D. Ninety - Correct Answer :C
When delivering a policy to a client, a producer should take all of the following actions EXCEPT:
A. collect any premiums due
B. fully explain all exclusions and/or riders
C. keep the policy in the producer's office for safe-keeping on behalf of the client
D. review all benefits provided by the policy - Correct Answer :C
A married insured has an Accidental Death and Dismemberment (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?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - Correct Answer :C
Which of the following definitions MOST accurately describes the Probationary Period?
A. The period of time from the date of the loss until the benefits begin
B. The period of time from the date of the loss until benefits are actually received by the policyowner
C. The waiting period a new hire must satisfy prior to becoming eligible for group health coverage
D. The period of time once a claim is received by the insurance company before it pays benefits to
the policyowner - Correct Answer :C
The Elimination Period in most Disability Income policies applies:
A. to each separate disability
B. to claims for accidents only
C. during the first 30 days of the contract
A+ TEST BANK 3
, Pearson Vue National Health Insurance
Exam
D. during short-term disabilities that are easily managed - Correct Answer :A
The PRIMARY purpose of Medicaid is to:
A. pay for expenses not covered by Medicare
B. provide Disability Income benefits to people on Medicare
C. provide Medical Expense coverage to persons meeting certain minimum income requirements
D. provide funds for people injured in natural disasters - Correct Answer :C
In which of the following health policies are both the renewability and the premiums guaranteed?
A. Noncancellable
B. Optionally Renewable
C. Guaranteed Renewable
D. Conditionally Renewable - Correct Answer :A
An insured whose Disability Income policy contains a Change of Occupation clause takes a new job in
a more hazardous occupation and fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the following actions?
A. Cancel the policy and refund one year's premiums
B. Settle the claim according to what the premiums would have purchased under the more
hazardous occupation
C. Pay the claim in full and then cancel the policy
D. Pay the claim after deducting an extra one-year premium payment - Correct Answer :B
Which of the following reports may include information obtained by a telephone call to the proposed
insured?
A. Medical Information Bureau (MIB) report
B. Attending physician's report
C. Inspection report
A+ TEST BANK 4
