Ohio Health and life insurance EXAM Questions with 100% Correct Answ
| Verified | Updated (Actual Exam) 2025\2026
1. The type of policy where the insurer can send a notice cancelable
to the insured that the policy has been cancelled in the
middle of the term is called
2. Krissa purchases a 10-year level term life insurance The face amount and pre-
policy that has a death benefit of $200,000. Which of mium will remain constant
these statements is true? over the 10 year period
The policy automatically converts to whole life after
the 10-year period
3. Which of the following provides Medicare supplement Private insurance compa-
policies? nies
4. Under the Health Insurance Portability and Account- employee's waiting period
ability Act (HIPAA), the employee's new Group Health for coverage of a preexist-
Plan will verify Creditable Coverage so that the ing condition can be re-
duced under the new em-
ployer's health plan
5. Which of the following is typically NOT eligible for the Temporary employee
coverage in a group health policy?
6. Which of the following is a reinstatement condition? Proof of insurability
7. Ohio requires that a licensee complete ______ hours 3
of continuing education on the subject of ethics every
reporting period.
8. Carole is a licensed agent who lives in Michigan and nonresident agent
transacts insurance in Ohio. In Ohio, Carole is consid-
ered to be a
9. guaranteed issue
, Ohio Health and life insurance EXAM Questions with 100% Correct Answ
| Verified | Updated (Actual Exam) 2025\2026
Long- term care insurance applications must contain
plain and unambiguous health questions. The excep-
tion to this rule would be applications for
10. Continuous 24- hour care provided by licensed med- skilled nursing care
ical professionals under the direct supervision of a
physician is called
11. The entire contract includes the actual policy and the application
12. The branch of dentistry which deals with the replace- Prosthodontics
ment of missing parts is called
13. An agent's license has been suspended for non-re- within 12 months of the li-
newal. The agent my apply for reinstatement cense renewal date
14. Which of the following is an annuity that is linked to a Equity- indexed annuity
market-related index?
15. A closed network plan offers a a primary physician 100% of the billed amount
copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will
likely pay
16. An accident and health insurer has just received writ- bringing legal action
ten proof of loss from one of its insureds. The insured against the insurer
must now wait 60 days before
17. An individual most likely will have an insurable interest An economic interest ex-
in insuring a person's life if ists for the continuance of
the insured's life
18.
, Ohio Health and life insurance EXAM Questions with 100% Correct Answ
| Verified | Updated (Actual Exam) 2025\2026
According to the Health Insurance Portability and Ac- Participation or contribu-
countability Act (HIPPA), when can a group health pol- tion rules have been vio-
icy renewal be denied? lated
19. Medicaid is a government-funded program designed poor people
to provide health care to
20. Medicare Part A does not pay for medical benefits 100 days
provided for the treatment in a skilled nursing facility
beyond
21. A partial surrender in which of the following life poli- universal life
cies?
22. An agent's appointment may only be terminated by insurer
the
23. An applicant's character and personal habits can investigate consumer re-
be obtained for underwriting purposes from which port
source?
24. Which type of business insurance is meant to cover Business overhead ex-
the costs of continuing to do a business while the pense policy
owner is disabled?
25. Advertisements for accident and health policies that policy is limited
ONLY cover a stated illness MUST display a statement
that the
26. Loss of income insurance provides an individual the means to
replace wages
27. Family Term
| Verified | Updated (Actual Exam) 2025\2026
1. The type of policy where the insurer can send a notice cancelable
to the insured that the policy has been cancelled in the
middle of the term is called
2. Krissa purchases a 10-year level term life insurance The face amount and pre-
policy that has a death benefit of $200,000. Which of mium will remain constant
these statements is true? over the 10 year period
The policy automatically converts to whole life after
the 10-year period
3. Which of the following provides Medicare supplement Private insurance compa-
policies? nies
4. Under the Health Insurance Portability and Account- employee's waiting period
ability Act (HIPAA), the employee's new Group Health for coverage of a preexist-
Plan will verify Creditable Coverage so that the ing condition can be re-
duced under the new em-
ployer's health plan
5. Which of the following is typically NOT eligible for the Temporary employee
coverage in a group health policy?
6. Which of the following is a reinstatement condition? Proof of insurability
7. Ohio requires that a licensee complete ______ hours 3
of continuing education on the subject of ethics every
reporting period.
8. Carole is a licensed agent who lives in Michigan and nonresident agent
transacts insurance in Ohio. In Ohio, Carole is consid-
ered to be a
9. guaranteed issue
, Ohio Health and life insurance EXAM Questions with 100% Correct Answ
| Verified | Updated (Actual Exam) 2025\2026
Long- term care insurance applications must contain
plain and unambiguous health questions. The excep-
tion to this rule would be applications for
10. Continuous 24- hour care provided by licensed med- skilled nursing care
ical professionals under the direct supervision of a
physician is called
11. The entire contract includes the actual policy and the application
12. The branch of dentistry which deals with the replace- Prosthodontics
ment of missing parts is called
13. An agent's license has been suspended for non-re- within 12 months of the li-
newal. The agent my apply for reinstatement cense renewal date
14. Which of the following is an annuity that is linked to a Equity- indexed annuity
market-related index?
15. A closed network plan offers a a primary physician 100% of the billed amount
copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will
likely pay
16. An accident and health insurer has just received writ- bringing legal action
ten proof of loss from one of its insureds. The insured against the insurer
must now wait 60 days before
17. An individual most likely will have an insurable interest An economic interest ex-
in insuring a person's life if ists for the continuance of
the insured's life
18.
, Ohio Health and life insurance EXAM Questions with 100% Correct Answ
| Verified | Updated (Actual Exam) 2025\2026
According to the Health Insurance Portability and Ac- Participation or contribu-
countability Act (HIPPA), when can a group health pol- tion rules have been vio-
icy renewal be denied? lated
19. Medicaid is a government-funded program designed poor people
to provide health care to
20. Medicare Part A does not pay for medical benefits 100 days
provided for the treatment in a skilled nursing facility
beyond
21. A partial surrender in which of the following life poli- universal life
cies?
22. An agent's appointment may only be terminated by insurer
the
23. An applicant's character and personal habits can investigate consumer re-
be obtained for underwriting purposes from which port
source?
24. Which type of business insurance is meant to cover Business overhead ex-
the costs of continuing to do a business while the pense policy
owner is disabled?
25. Advertisements for accident and health policies that policy is limited
ONLY cover a stated illness MUST display a statement
that the
26. Loss of income insurance provides an individual the means to
replace wages
27. Family Term
