AFLAC ACADEMY INSURANCE EXAM QUESTIONS
AND CORRECT ANSWERS 2025- 2026
*A situation that arises during the sale of insurance coverage to a customer
in which the producer's self interest interferes with their obligation to act in
the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - CORRECT ANSWER-*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a
customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - CORRECT ANSWER-*B. declining health
status*
*What MUST insurance producers have in the event of being sued for
malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - CORRECT ANSWER-*C. errors and omissions
insurance coverage*
*National Sales Guidelines combine and for Aflac specific
business protocol.*
A. Rules, exceptions
,B. Procedures, direction
C. NONE of the above - CORRECT ANSWER-*B. Procedures, direction*
*If your local radio station requests an interview with you to discuss Aflac
Insurance products in your capacity as an Aflac sales producer, are you
authorized to speak with the station?*
A. NO,only sales management are authorized to speak on behalf of Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO,only individuals authorized by Aflac WorldWide Headquarters
(WWH) are permitted to discuss Aflac or its products with the media. -
CORRECT ANSWER-*C. NO, only individuals authorized by Aflac
WorldWide Headquarters (WWH) are permitted to discuss Aflac or its
products with the media.*
*Purposely holding applications for contest qualification for yourself or
others is
.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - CORRECT ANSWER-*C. a prohibited practice*
*With Specified Health Event (SHE), benefits for dependent children are:*
A. The same as the insured/spouse
B. Triple the amount of the insured/spouse
C. 50% of the amount of the insured/spouse
D. 25% of theamount of the insured/spouse - CORRECT ANSWER-
*C. 50% of the amount of the insured/spouse*
*Lump Sum Critical Illness (LSCI)/Specified Health Event (SHE)
coverage from Aflac may be appropriate for a customer because:*
(A) Benefits are intended to help pay for expenses not covered by major
medical
,(B) Benefits can complement coverage provided by primary major medical
insurance
(C) Benefits
will cover all of a customer's expenses for a critical illness or
specified event
(D) A and B - CORRECT ANSWER-*(D) A and B*
*The flexibility of Aflac's Lump Sum Critical Illness (LSCI) plan allows
policyholders to choose their own medical treatment provider.*
A. True
B. False - CORRECT ANSWER-*A. True*
*Specified Health Event (SHE) coverage from Aflac is designed to
provide coverage for critical illnesses such as:*
A. Loss of limb due to a car accident
B. Heart attack, stroke, and end stage renal failure
C. Pneumonia - CORRECT ANSWER-*B. Heart attack, stroke, and end
stage renal failure*
*If the amount requested for Lump Sum Critical Illness (LSCI) is more than
$10,000, what happens?*
A. Amounts in excess of $10,000 are automatically approved.
B. Amounts in excess of $10,000 must be approved by the DOI.
C. Amounts in excess of $10,000 must be approved by WWHQ. -
CORRECT ANSWER-*C. Amounts in excess of $10,000 must be
approved by WWHQ.*
*The Lump Sum Critical Illness (LSCI) plan has a Subsequent Critical
Illness Benefit.*
A. True
B. False - CORRECT ANSWER-*A. True*
, *The following are all characteristics of Individual Accident Only coverage
from Aflac, EXCEPT:*
A. Coverage is individually owned and portable
B. Benefits are coordinated with major medical coverage
C. Designed to provide policyholders with benefits throughout the stages of
care
D. There are no network provider requirements- CORRECT ANSWER-
*B. Benefits are coordinated with major medical coverage*
*Aflac's Accident Only coverage is available to occupational classes.*
A. Two
B. Three
C. Four
D. Five - CORRECT ANSWER-*D. Five*
*Aflac's Accident Only coverage provides coverage for a covered
accident that occurs TWO days BEFORE the Effective Date of
coverage.*
A. True
B. False - CORRECT ANSWER-*B. False*
*Aflac's Accident Only coverage may provide the following benefits for
covered accidents.*
A. Ambulance Benefit
B. Hospital Confinement Benefit
C. Accident Treatment Benefit
D. ALL of the ABOVE - CORRECT ANSWER-*D. ALL of the ABOVE*
AND CORRECT ANSWERS 2025- 2026
*A situation that arises during the sale of insurance coverage to a customer
in which the producer's self interest interferes with their obligation to act in
the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - CORRECT ANSWER-*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a
customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - CORRECT ANSWER-*B. declining health
status*
*What MUST insurance producers have in the event of being sued for
malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - CORRECT ANSWER-*C. errors and omissions
insurance coverage*
*National Sales Guidelines combine and for Aflac specific
business protocol.*
A. Rules, exceptions
,B. Procedures, direction
C. NONE of the above - CORRECT ANSWER-*B. Procedures, direction*
*If your local radio station requests an interview with you to discuss Aflac
Insurance products in your capacity as an Aflac sales producer, are you
authorized to speak with the station?*
A. NO,only sales management are authorized to speak on behalf of Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO,only individuals authorized by Aflac WorldWide Headquarters
(WWH) are permitted to discuss Aflac or its products with the media. -
CORRECT ANSWER-*C. NO, only individuals authorized by Aflac
WorldWide Headquarters (WWH) are permitted to discuss Aflac or its
products with the media.*
*Purposely holding applications for contest qualification for yourself or
others is
.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - CORRECT ANSWER-*C. a prohibited practice*
*With Specified Health Event (SHE), benefits for dependent children are:*
A. The same as the insured/spouse
B. Triple the amount of the insured/spouse
C. 50% of the amount of the insured/spouse
D. 25% of theamount of the insured/spouse - CORRECT ANSWER-
*C. 50% of the amount of the insured/spouse*
*Lump Sum Critical Illness (LSCI)/Specified Health Event (SHE)
coverage from Aflac may be appropriate for a customer because:*
(A) Benefits are intended to help pay for expenses not covered by major
medical
,(B) Benefits can complement coverage provided by primary major medical
insurance
(C) Benefits
will cover all of a customer's expenses for a critical illness or
specified event
(D) A and B - CORRECT ANSWER-*(D) A and B*
*The flexibility of Aflac's Lump Sum Critical Illness (LSCI) plan allows
policyholders to choose their own medical treatment provider.*
A. True
B. False - CORRECT ANSWER-*A. True*
*Specified Health Event (SHE) coverage from Aflac is designed to
provide coverage for critical illnesses such as:*
A. Loss of limb due to a car accident
B. Heart attack, stroke, and end stage renal failure
C. Pneumonia - CORRECT ANSWER-*B. Heart attack, stroke, and end
stage renal failure*
*If the amount requested for Lump Sum Critical Illness (LSCI) is more than
$10,000, what happens?*
A. Amounts in excess of $10,000 are automatically approved.
B. Amounts in excess of $10,000 must be approved by the DOI.
C. Amounts in excess of $10,000 must be approved by WWHQ. -
CORRECT ANSWER-*C. Amounts in excess of $10,000 must be
approved by WWHQ.*
*The Lump Sum Critical Illness (LSCI) plan has a Subsequent Critical
Illness Benefit.*
A. True
B. False - CORRECT ANSWER-*A. True*
, *The following are all characteristics of Individual Accident Only coverage
from Aflac, EXCEPT:*
A. Coverage is individually owned and portable
B. Benefits are coordinated with major medical coverage
C. Designed to provide policyholders with benefits throughout the stages of
care
D. There are no network provider requirements- CORRECT ANSWER-
*B. Benefits are coordinated with major medical coverage*
*Aflac's Accident Only coverage is available to occupational classes.*
A. Two
B. Three
C. Four
D. Five - CORRECT ANSWER-*D. Five*
*Aflac's Accident Only coverage provides coverage for a covered
accident that occurs TWO days BEFORE the Effective Date of
coverage.*
A. True
B. False - CORRECT ANSWER-*B. False*
*Aflac's Accident Only coverage may provide the following benefits for
covered accidents.*
A. Ambulance Benefit
B. Hospital Confinement Benefit
C. Accident Treatment Benefit
D. ALL of the ABOVE - CORRECT ANSWER-*D. ALL of the ABOVE*
