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PEARSON VUE TEXAS LIFE AND HEALTH INSURANCE
FINAL EXAM 2 VERSIONS 2025/2026 NEWEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND VERIFIED
ANSWERS |ALREADY GRADED A+|
The insurance policy clause that identifies the contracting parties
and defines the scope and limits of coverage is called the:
A. Insuring clause
B. Benefit clause
C. Consideration clause
D. Renewal clause - ANSWERS-A
In an Accidental Death and Dismemberment (AD&D) policy, the
term "capital sum" refers to:
A. the benefit paid for death caused by a dread disease
B. the monthly disability income paid if an insured loses a limb or
the sight in one or both eyes
C. a lump sum payment made when disease causes the
amputation of an arm or a leg
D. a lump sum payment made for an accidental dismemberment -
ANSWERS-D
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A group long-term disability plan is integrated with Social Security
when which of the following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum
limit.
B. Full group benefits are paid in addition to Social Security
benefits.
C. Full Social Security benefits are paid after group benefits are
exhausted.
D. Half of the allowable Social Security benefits are paid after
group benefits are exhausted. - ANSWERS-A
Medicare Part A covers which of the following expenses?
A. Hospital room and board
B. Surgical expenses
C. Medications
D. Physicians' services - ANSWERS-A
J has a physical impairment, attends school, and is incapable of
self-sustaining employment and/ or self care. Which of the
following statements is CORRECT about J's medical coverage
under J's father's group plan?
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A. J's coverage ceases, but J may apply for group student
coverage.
B. J's coverage automatically discontinues at age twenty-six.
C. J's coverage continues only as long as J is a full-time student.
D. J's coverage continues as long as J is continually incapacitated
and is financially dependent on J's father. - ANSWERS-D
Medicare Supplement policies are primarily designed to:
A. offset the high cost of Medicare
B. provide additional retirement income to supplement Social
Security retirement benefits
C. provide additional benefits beyond those provided by Medicare
D. provide a reinsurance network that spreads the Medicare risk
among private insurance companies - ANSWERS-C
A producer and an applicant complete an application for a health
policy and submit it to the insurer for underwriting without any
premium. The underwriter issues a policy and mails it to the
producer for delivery to the applicant. The producer should take
all of the following actions during the delivery of the policy to the
applicant EXCEPT:
A. collect the initial premium payment
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B. issue a conditional receipt
C. have the applicant complete a statement of continued good
health
D. explain the Free Look provision which begins on the policy
delivery date - ANSWERS-B
M and N own a small interior design studio that employs six
people. The owners are concerned about the financial
continuation of the business if either of them should become
permanently disabled. In this situation, a producer would MOST
likely recommend which of the following types of contracts?
A. Basic Hospital
B. Disability Buy-Out
C. Comprehensive Major Medical
D. Short-Term Disability Income - ANSWERS-B
Which of the following definitions of disability would cover a
permanent partial disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability - ANSWERS-C
PEARSON VUE TEXAS LIFE AND HEALTH INSURANCE
FINAL EXAM 2 VERSIONS 2025/2026 NEWEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND VERIFIED
ANSWERS |ALREADY GRADED A+|
The insurance policy clause that identifies the contracting parties
and defines the scope and limits of coverage is called the:
A. Insuring clause
B. Benefit clause
C. Consideration clause
D. Renewal clause - ANSWERS-A
In an Accidental Death and Dismemberment (AD&D) policy, the
term "capital sum" refers to:
A. the benefit paid for death caused by a dread disease
B. the monthly disability income paid if an insured loses a limb or
the sight in one or both eyes
C. a lump sum payment made when disease causes the
amputation of an arm or a leg
D. a lump sum payment made for an accidental dismemberment -
ANSWERS-D
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A group long-term disability plan is integrated with Social Security
when which of the following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum
limit.
B. Full group benefits are paid in addition to Social Security
benefits.
C. Full Social Security benefits are paid after group benefits are
exhausted.
D. Half of the allowable Social Security benefits are paid after
group benefits are exhausted. - ANSWERS-A
Medicare Part A covers which of the following expenses?
A. Hospital room and board
B. Surgical expenses
C. Medications
D. Physicians' services - ANSWERS-A
J has a physical impairment, attends school, and is incapable of
self-sustaining employment and/ or self care. Which of the
following statements is CORRECT about J's medical coverage
under J's father's group plan?
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A. J's coverage ceases, but J may apply for group student
coverage.
B. J's coverage automatically discontinues at age twenty-six.
C. J's coverage continues only as long as J is a full-time student.
D. J's coverage continues as long as J is continually incapacitated
and is financially dependent on J's father. - ANSWERS-D
Medicare Supplement policies are primarily designed to:
A. offset the high cost of Medicare
B. provide additional retirement income to supplement Social
Security retirement benefits
C. provide additional benefits beyond those provided by Medicare
D. provide a reinsurance network that spreads the Medicare risk
among private insurance companies - ANSWERS-C
A producer and an applicant complete an application for a health
policy and submit it to the insurer for underwriting without any
premium. The underwriter issues a policy and mails it to the
producer for delivery to the applicant. The producer should take
all of the following actions during the delivery of the policy to the
applicant EXCEPT:
A. collect the initial premium payment
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B. issue a conditional receipt
C. have the applicant complete a statement of continued good
health
D. explain the Free Look provision which begins on the policy
delivery date - ANSWERS-B
M and N own a small interior design studio that employs six
people. The owners are concerned about the financial
continuation of the business if either of them should become
permanently disabled. In this situation, a producer would MOST
likely recommend which of the following types of contracts?
A. Basic Hospital
B. Disability Buy-Out
C. Comprehensive Major Medical
D. Short-Term Disability Income - ANSWERS-B
Which of the following definitions of disability would cover a
permanent partial disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability - ANSWERS-C
