1|Page
MASSACHUSETTS ACCIDENT AND HEALTH
INSURANCE EXAM ACTUAL PREP QUESTIONS
AND WELL REVISED ANSWERS - LATEST AND
COMPLETE UPDATE WITH VERIFIED
SOLUTIONS – ASSURES PASS
Tonya has been diagnosed with kidney failure and is covered by group accident
and health insurance through her large employer. Which of these accident and
health plans will be primary during the months immediately following her
diagnosis
Her employer's group accident and health plan
When a producer submits an application that discloses personal information
regarding the applicant, who supplies the privacy notice?
Producer
Which of the following is a potential punishment given to a producer found guilty
of an unfair method of competition?
License suspension or revocation
An accident and health insurance policy defines an injury as "bodily injury by
accidental means." For an injury to be covered on this policy, what is required?
Both the cause and resultant injury must be accidental
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Kyle is an insured who disregarded an accident and health insurance policy
provision that requires him to seek a second surgical opinion. What will the end
result be?
He may be reimbursed for the surgical procedure at a reduced benefit level
Major Medical policies are typically characterized by which of the following?
Flat Deductible
Before an individual is permitted to act as an insurance agent, he
she must hold a valid insurance license and be _________ by an authorized
insurer.
Appointed
Under what circumstance does an accident and health insurer have the right to
request an autopsy?
When not prohibited by state law
When the disclosure of an insured's nonpublic information is involved, what is the
insurer obligated to do?
Give notice, explain, and allow opting out
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Typically, states will permit the grouping of two or more small employers in order
to obtain group health insurance at a favorable rate. This grouping of employers is
known as a multiple employer
Trust
Insurable interest involves what assumption?
Insurable interest must exist during the entire life of the insured
A signed good health statement may be collected by a producer at the time of
Policy delivery
The major medical deductible carryover period normally applies to expenses
incurred during the last ___ months of the plan year
Three
A foreign insurer wishing to conduct business in Massachusetts MUST obtain a
Certificate of Authority
After the first 3 years of licensure, a producer must complete ___ credit hours of
continuing education for each licensing period
45
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What is cover under a limited accident and health insurance policy?
Limited perils and amounts
Which of the following would provide a reimbursement of some premiums when a
long-term care policy is cancelled?
Return of the premium rider
Tony has been diagnosed with Kidney Failure and is covered by group accident
and health insurance through her large employer. Which of these accident and
health plans will be primary during the months immediately following her
diagnosis?
Her employer's group accident and health plan
When a producer submits an application that discloses personal information
regarding the applicant, who supplies the privacy notice?
Producer
Which of the following is a potential punishment given to a producer found guilty
of an unfair method of competition?
License suspension or revocation
MASSACHUSETTS ACCIDENT AND HEALTH
INSURANCE EXAM ACTUAL PREP QUESTIONS
AND WELL REVISED ANSWERS - LATEST AND
COMPLETE UPDATE WITH VERIFIED
SOLUTIONS – ASSURES PASS
Tonya has been diagnosed with kidney failure and is covered by group accident
and health insurance through her large employer. Which of these accident and
health plans will be primary during the months immediately following her
diagnosis
Her employer's group accident and health plan
When a producer submits an application that discloses personal information
regarding the applicant, who supplies the privacy notice?
Producer
Which of the following is a potential punishment given to a producer found guilty
of an unfair method of competition?
License suspension or revocation
An accident and health insurance policy defines an injury as "bodily injury by
accidental means." For an injury to be covered on this policy, what is required?
Both the cause and resultant injury must be accidental
,2|Page
Kyle is an insured who disregarded an accident and health insurance policy
provision that requires him to seek a second surgical opinion. What will the end
result be?
He may be reimbursed for the surgical procedure at a reduced benefit level
Major Medical policies are typically characterized by which of the following?
Flat Deductible
Before an individual is permitted to act as an insurance agent, he
she must hold a valid insurance license and be _________ by an authorized
insurer.
Appointed
Under what circumstance does an accident and health insurer have the right to
request an autopsy?
When not prohibited by state law
When the disclosure of an insured's nonpublic information is involved, what is the
insurer obligated to do?
Give notice, explain, and allow opting out
,3|Page
Typically, states will permit the grouping of two or more small employers in order
to obtain group health insurance at a favorable rate. This grouping of employers is
known as a multiple employer
Trust
Insurable interest involves what assumption?
Insurable interest must exist during the entire life of the insured
A signed good health statement may be collected by a producer at the time of
Policy delivery
The major medical deductible carryover period normally applies to expenses
incurred during the last ___ months of the plan year
Three
A foreign insurer wishing to conduct business in Massachusetts MUST obtain a
Certificate of Authority
After the first 3 years of licensure, a producer must complete ___ credit hours of
continuing education for each licensing period
45
, 4|Page
What is cover under a limited accident and health insurance policy?
Limited perils and amounts
Which of the following would provide a reimbursement of some premiums when a
long-term care policy is cancelled?
Return of the premium rider
Tony has been diagnosed with Kidney Failure and is covered by group accident
and health insurance through her large employer. Which of these accident and
health plans will be primary during the months immediately following her
diagnosis?
Her employer's group accident and health plan
When a producer submits an application that discloses personal information
regarding the applicant, who supplies the privacy notice?
Producer
Which of the following is a potential punishment given to a producer found guilty
of an unfair method of competition?
License suspension or revocation
