Webce Insurance Exam Latest 2025-
2026. Questions and Correct Verified
Answers. Graded A
1. Felicia was hurt in a car accident. As a result, she was no longer able to
work as a forklift operator, but she got a job in the same warehouse as a
clerk. She was unable to collect disability benefits because she was
covered under a policy that came with which definition of disability? -
ANSa. any occupation
1. Marla is covered by group health insurance maintained by her husband's
employer. If her husband were to die, what is the maximum period of
coverage Marla would receive under COBRA? - ANSb. 18 months
1. The Affordable Care Act mandates that all employers, regardless of size,
offer comprehensive health care coverage to their employees. - ANSb.
False
1. Which of the following benefits is likely to be provided by workers'
compensation? - ANSd. a burial allowance
1. Which of the following exempted insurance companies from federal
antitrust legislation? - ANSthe McCarran-Ferguson Act
1
, 1. Which of the following is applied to all expenses in a health insurance
policy during a specified period? - ANSb. all-cause deductible
1. Which of the following must be considered in making a suitable fixed
annuity recommendation to a customer? - ANSa. the customer's financial
status
b. the customer's tax status
c. the customer's investment objectives
d. all of the above
1. With regard to a staff-based HMO, which of the following statements is
true? - ANSc. Doctors are employees.
2. All of the following costs are covered by a Medicare supplement policy
EXCEPT: - ANSc. the first 365 days in a long-term custodial care facility
2. All of the following have been cited as causes of rising health care costs
EXCEPT: - ANSa. a shortage of hospital beds
2. How many ADLs must a person typically be unable to perform to qualify
for LTC benefits? - ANSb. two
2. Laura receives disability benefits from her employer and also from a
personal disability income insurance policy. Which of the following is true
about the taxation of these benefits? - ANSa. Benefits from her employer
are taxable; those from her personal disability income insurance policy are
not.
2
2026. Questions and Correct Verified
Answers. Graded A
1. Felicia was hurt in a car accident. As a result, she was no longer able to
work as a forklift operator, but she got a job in the same warehouse as a
clerk. She was unable to collect disability benefits because she was
covered under a policy that came with which definition of disability? -
ANSa. any occupation
1. Marla is covered by group health insurance maintained by her husband's
employer. If her husband were to die, what is the maximum period of
coverage Marla would receive under COBRA? - ANSb. 18 months
1. The Affordable Care Act mandates that all employers, regardless of size,
offer comprehensive health care coverage to their employees. - ANSb.
False
1. Which of the following benefits is likely to be provided by workers'
compensation? - ANSd. a burial allowance
1. Which of the following exempted insurance companies from federal
antitrust legislation? - ANSthe McCarran-Ferguson Act
1
, 1. Which of the following is applied to all expenses in a health insurance
policy during a specified period? - ANSb. all-cause deductible
1. Which of the following must be considered in making a suitable fixed
annuity recommendation to a customer? - ANSa. the customer's financial
status
b. the customer's tax status
c. the customer's investment objectives
d. all of the above
1. With regard to a staff-based HMO, which of the following statements is
true? - ANSc. Doctors are employees.
2. All of the following costs are covered by a Medicare supplement policy
EXCEPT: - ANSc. the first 365 days in a long-term custodial care facility
2. All of the following have been cited as causes of rising health care costs
EXCEPT: - ANSa. a shortage of hospital beds
2. How many ADLs must a person typically be unable to perform to qualify
for LTC benefits? - ANSb. two
2. Laura receives disability benefits from her employer and also from a
personal disability income insurance policy. Which of the following is true
about the taxation of these benefits? - ANSa. Benefits from her employer
are taxable; those from her personal disability income insurance policy are
not.
2
