CONNECTICUT LIFE AND HEALTH
STATE EXAM SIMULATOR UPDATED
QUESTIONS AND CORRECT ANSWERS.
Employees usually receive workers compensation benefits for - ANS Lost wages and medical
expenses due to on-the-job accidents
What type of employee welfare plans are not subject to ERISA regulations? - ANS Church
plans
Larry wants to purchase an individual disability income policy to ensure that he will not
experience a lapse in income should he become disabled. He has a two-month wage
continuation benefit from his employer. What should the policy elimination period be for his
individual policy? - ANS 60 days
John has a criminal record in which he was convicted of a felony that involved dishonesty.
Under Federal law, how would John be able to engage in insurance transactions? -
ANS Given written consent by the state insurance regulatory agency
A prospective client was intimidated by a producer to purchase an insurance contract. The
producer could be found guilty of - ANS Coercion
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
,A life insurance policy that is paid annually must contain a grace period of at least _____ days. -
ANS 30
An order issued by the commissioner that prohibits a specific practice listed in the order is
called a - ANS Cease and desist order
Licensed producers in Connecticut are authorized to - ANS Solicit, receive, and forward
applications to the insurer
All of the following are covered under most dental plans EXCEPT for - ANS Mouth cancer
When compared to a fixed annuity, a variable annuity has what distinguishing feature? -
ANS Investment risk is assumed by the purchaser
When disability buy-sell insurance benefits exceed a partnership cost basis, which of the
following is correct? - ANS The full amount is non-taxable to the partner
According to the Affordable care act, coverage may be rescinded - ANS if intentionally false
statements were offered
At what point are death proceeds paid in a joint life insurance policy? - ANS When the first
insured dies
Straight whole life insurance can be accurately described in all of these statements EXCEPT -
ANS Policy protection normally expires at age 65
Which of the following can be defined as "the potential for loss"? - ANS Risk
A survivorship life insurance policy usually covers how many lives? - ANS 2
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, A disabled business owner who has payroll and business expenses paid for has what kind of
insurance policy? - ANS Business Overhead Expense
Which of the following is NOT information needed to determine the suitability of an annuity
recommendation? - ANS Level of education
When dealing with long-term care coverage, which of the following are classified as ALDs? -
ANS Eating,bathing,dressing, mobility
Which of these is not used as selection criteria in the underwriting process of a life insurance
application? - ANS national origin
Which type of life insurance policy is best suited for paying off the outstanding balance of a 30-
year mortgage in the event of the insureds death? - ANS 30-year decreasing term
When an individual is planning to protect his family with life insurance, one method of doing so
is called needs analysis. What exactly does needs analysis involve? - ANS Identifies the needs
of an individual and the individual's dependents
Which of the following is bot a valid reason for an insurer to contest a life insurance policy
during the policy's first two years of existence? - ANS Misstatement of age
The major medical deductible carryover period normally applies to expenses incurred during
the last _____ months of the plan year. - ANS three
The disability income policy most likely to have been issued on a substandard basis is -
ANS Non-cancelable with a health condition exclusion rider
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
STATE EXAM SIMULATOR UPDATED
QUESTIONS AND CORRECT ANSWERS.
Employees usually receive workers compensation benefits for - ANS Lost wages and medical
expenses due to on-the-job accidents
What type of employee welfare plans are not subject to ERISA regulations? - ANS Church
plans
Larry wants to purchase an individual disability income policy to ensure that he will not
experience a lapse in income should he become disabled. He has a two-month wage
continuation benefit from his employer. What should the policy elimination period be for his
individual policy? - ANS 60 days
John has a criminal record in which he was convicted of a felony that involved dishonesty.
Under Federal law, how would John be able to engage in insurance transactions? -
ANS Given written consent by the state insurance regulatory agency
A prospective client was intimidated by a producer to purchase an insurance contract. The
producer could be found guilty of - ANS Coercion
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
,A life insurance policy that is paid annually must contain a grace period of at least _____ days. -
ANS 30
An order issued by the commissioner that prohibits a specific practice listed in the order is
called a - ANS Cease and desist order
Licensed producers in Connecticut are authorized to - ANS Solicit, receive, and forward
applications to the insurer
All of the following are covered under most dental plans EXCEPT for - ANS Mouth cancer
When compared to a fixed annuity, a variable annuity has what distinguishing feature? -
ANS Investment risk is assumed by the purchaser
When disability buy-sell insurance benefits exceed a partnership cost basis, which of the
following is correct? - ANS The full amount is non-taxable to the partner
According to the Affordable care act, coverage may be rescinded - ANS if intentionally false
statements were offered
At what point are death proceeds paid in a joint life insurance policy? - ANS When the first
insured dies
Straight whole life insurance can be accurately described in all of these statements EXCEPT -
ANS Policy protection normally expires at age 65
Which of the following can be defined as "the potential for loss"? - ANS Risk
A survivorship life insurance policy usually covers how many lives? - ANS 2
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, A disabled business owner who has payroll and business expenses paid for has what kind of
insurance policy? - ANS Business Overhead Expense
Which of the following is NOT information needed to determine the suitability of an annuity
recommendation? - ANS Level of education
When dealing with long-term care coverage, which of the following are classified as ALDs? -
ANS Eating,bathing,dressing, mobility
Which of these is not used as selection criteria in the underwriting process of a life insurance
application? - ANS national origin
Which type of life insurance policy is best suited for paying off the outstanding balance of a 30-
year mortgage in the event of the insureds death? - ANS 30-year decreasing term
When an individual is planning to protect his family with life insurance, one method of doing so
is called needs analysis. What exactly does needs analysis involve? - ANS Identifies the needs
of an individual and the individual's dependents
Which of the following is bot a valid reason for an insurer to contest a life insurance policy
during the policy's first two years of existence? - ANS Misstatement of age
The major medical deductible carryover period normally applies to expenses incurred during
the last _____ months of the plan year. - ANS three
The disability income policy most likely to have been issued on a substandard basis is -
ANS Non-cancelable with a health condition exclusion rider
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
