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Kentucky Health Insurance exam study
Questions and Correct Answers/ Latest
Update / Already Graded
The full premium was submitted with the application for life insurance,
and the policy was issued two weeks later as requested. When does the
policy become effective? A. as of the application date
B. As of the policy delivery date
C. As of the first of the month after the policy issue date
D. As of the policy issue date
Ans: A. As of the application date
All of the following are true about group disability income insurance
EXCEPT: A. The waiting period starts at the onset of the injury or
sickness.
B. The longer the waiting period, the lower the premium.
C. Coverage applies both on and off the job.
D. Benefits are usually short term.
Ans: C. Coverage applies both on and off the job.
Under the age discrimination in employment act, if the obligation of
the employer to provide retiree health benefits, what will an individual
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younger than 65 receive in benefits each year? A. one-fourth of the
benefits required under the social security act. B. at least 10,000. C. At
least the value of the Social Security Benefits. D. The minimum
established by the employer
Ans: C. At least the value of the Social Security benefits
Disability income policies can provide coverage for a loss of income
when returning to work only part-time after recovering from total
disability. What is the benefit that is based on the insured's loss of
earnings after recovery from a disability? A. recurrent disability B.
partial disability C. income replacement D. Residual disability
Ans: D. Residual disability
A producer is acting in what capacity when he or she is trying to obtain
credible information about an applicant for health insurance? A. office
underwriter B. General agent C. Consumer report investigator D. Field
underwriter
Ans: D. Field underwriter
Which of the following riders would NOT increase the premium for a
policyowner? A. impairment rider B. payor benefit rider C. Waiver of
premium rider D. Multiple indemnity rider
Ans: A. impairment rider
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An insured wants to name her husband as the beneficiary of her health
policy. She also wishes to retain all of the rights of ownership. The
insured should have her husband named as what type of beneficiary?
A. Contingent B. Irrevocable C. Revocable D. Primary
Ans: C. Revocable
Guarantee of insurability option in long-term care policies allows the
insured to: A. Secure the policy's nonforfeiture values regardless of the
insured's age or health status. A. Secure the policy's value regardless of
the insured's age or health status. B. Increase benefit levels without
providing proof of insurability. C. Add dependents to the plan without
providing proof of their insurability. D. Replace the existing LTC policy
based on the original underwriting.
Ans: B. Increase benefit levels without providing proof of
insurability.
What is the maximum age for qualifying for a catastrophic plan? A. 26
B. 30 C. 45 D. 62
Ans: B. 30
Which type of dental care would cover operative treatment of the
mouth? A. Endodontics B. Orthodontics C. Oral surgery D. Restoratvie
All rights reserved © 2025/ 2026 |
Kentucky Health Insurance exam study
Questions and Correct Answers/ Latest
Update / Already Graded
The full premium was submitted with the application for life insurance,
and the policy was issued two weeks later as requested. When does the
policy become effective? A. as of the application date
B. As of the policy delivery date
C. As of the first of the month after the policy issue date
D. As of the policy issue date
Ans: A. As of the application date
All of the following are true about group disability income insurance
EXCEPT: A. The waiting period starts at the onset of the injury or
sickness.
B. The longer the waiting period, the lower the premium.
C. Coverage applies both on and off the job.
D. Benefits are usually short term.
Ans: C. Coverage applies both on and off the job.
Under the age discrimination in employment act, if the obligation of
the employer to provide retiree health benefits, what will an individual
All rights reserved © 2025/ 2026 |
, Page |2
younger than 65 receive in benefits each year? A. one-fourth of the
benefits required under the social security act. B. at least 10,000. C. At
least the value of the Social Security Benefits. D. The minimum
established by the employer
Ans: C. At least the value of the Social Security benefits
Disability income policies can provide coverage for a loss of income
when returning to work only part-time after recovering from total
disability. What is the benefit that is based on the insured's loss of
earnings after recovery from a disability? A. recurrent disability B.
partial disability C. income replacement D. Residual disability
Ans: D. Residual disability
A producer is acting in what capacity when he or she is trying to obtain
credible information about an applicant for health insurance? A. office
underwriter B. General agent C. Consumer report investigator D. Field
underwriter
Ans: D. Field underwriter
Which of the following riders would NOT increase the premium for a
policyowner? A. impairment rider B. payor benefit rider C. Waiver of
premium rider D. Multiple indemnity rider
Ans: A. impairment rider
All rights reserved © 2025/ 2026 |
, Page |3
An insured wants to name her husband as the beneficiary of her health
policy. She also wishes to retain all of the rights of ownership. The
insured should have her husband named as what type of beneficiary?
A. Contingent B. Irrevocable C. Revocable D. Primary
Ans: C. Revocable
Guarantee of insurability option in long-term care policies allows the
insured to: A. Secure the policy's nonforfeiture values regardless of the
insured's age or health status. A. Secure the policy's value regardless of
the insured's age or health status. B. Increase benefit levels without
providing proof of insurability. C. Add dependents to the plan without
providing proof of their insurability. D. Replace the existing LTC policy
based on the original underwriting.
Ans: B. Increase benefit levels without providing proof of
insurability.
What is the maximum age for qualifying for a catastrophic plan? A. 26
B. 30 C. 45 D. 62
Ans: B. 30
Which type of dental care would cover operative treatment of the
mouth? A. Endodontics B. Orthodontics C. Oral surgery D. Restoratvie
All rights reserved © 2025/ 2026 |
