Page |1
AFLAC ACADEMY INSURANCE
EXAM ACL006-010 2025
QUESTIONS AND ANSWERS.
*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*
, Page |2
*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*
*Which example satisfies the requirement that a producer MUST be
licensed to sell insurance in EACH state in which the account resides
PRIOR to soliciting insurance coverage to customers?*
, Page |3
A. Obtaining confirmation of your valid state insurance license to sell
insurance in each state in which the account resides prior to meeting with
any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage from
you while you are studying for the agent licensing test
C. Selling less than five insurance policies before receiving your insurance
agent license
D. Selling three insurance policies in a neighboring state to the state where
you have a valid agent's license - Correct answer-*A. Obtaining
confirmation of your valid state insurance license to sell insurance in each
state in which the account resides prior to meeting with any customers
about buying insurance coverage*
*Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own
application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures during
the application/enrollment process.
D. NONE of the ABOVE - Correct answer-*B. Altering a customer's date of
birth on an application*
*We create environments that are free from discrimination and harassment.
This means ________________ toward other people, whether they are our
Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above - Correct answer-*C. Refraining from inappropriate
conduct*
, Page |4
*If you provide false or misleading statements to Aflac regarding your
insurance sales activity or knowingly allowing false or misleading
statements on a customers application for coverage or claim form:*
A. your contract may be suspended
B. your contract may be terminated
C. ALL of the ABOVE - Correct answer-*C. ALL of the ABOVE*
*Prohibited Practices are
__________________________________________.*
A) providing any cash returns in an effort to reduce premiums
B) watching the applicant sign the application
C) both A and B
D) neither A and B - Correct answer-*A) providing any cash returns in an
effort to reduce premiums*
*It is a Prohibited Practice to
__________________________________________.*
A. refuse to accept premiums (other than the initial premium on direct) from
policyholders.
B. submit unaltered forms and policy requests
C. collect any premiums (other than the initial premium on direct) without
specific written authorization from Aflac WWHQ
D. ALL of the ABOVE - Correct answer-*C. collect any premiums (other
than the initial premium on direct) without specific written authorization from
Aflac WWHQ*
*Purposely holding applications for contest qualification for yourself or
others is ___________________________________.*
A. allowable, if you are trying to qualify for Honor Clubs
B. frowned upon but acceptable
AFLAC ACADEMY INSURANCE
EXAM ACL006-010 2025
QUESTIONS AND ANSWERS.
*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*
, Page |2
*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*
*Which example satisfies the requirement that a producer MUST be
licensed to sell insurance in EACH state in which the account resides
PRIOR to soliciting insurance coverage to customers?*
, Page |3
A. Obtaining confirmation of your valid state insurance license to sell
insurance in each state in which the account resides prior to meeting with
any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage from
you while you are studying for the agent licensing test
C. Selling less than five insurance policies before receiving your insurance
agent license
D. Selling three insurance policies in a neighboring state to the state where
you have a valid agent's license - Correct answer-*A. Obtaining
confirmation of your valid state insurance license to sell insurance in each
state in which the account resides prior to meeting with any customers
about buying insurance coverage*
*Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own
application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures during
the application/enrollment process.
D. NONE of the ABOVE - Correct answer-*B. Altering a customer's date of
birth on an application*
*We create environments that are free from discrimination and harassment.
This means ________________ toward other people, whether they are our
Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above - Correct answer-*C. Refraining from inappropriate
conduct*
, Page |4
*If you provide false or misleading statements to Aflac regarding your
insurance sales activity or knowingly allowing false or misleading
statements on a customers application for coverage or claim form:*
A. your contract may be suspended
B. your contract may be terminated
C. ALL of the ABOVE - Correct answer-*C. ALL of the ABOVE*
*Prohibited Practices are
__________________________________________.*
A) providing any cash returns in an effort to reduce premiums
B) watching the applicant sign the application
C) both A and B
D) neither A and B - Correct answer-*A) providing any cash returns in an
effort to reduce premiums*
*It is a Prohibited Practice to
__________________________________________.*
A. refuse to accept premiums (other than the initial premium on direct) from
policyholders.
B. submit unaltered forms and policy requests
C. collect any premiums (other than the initial premium on direct) without
specific written authorization from Aflac WWHQ
D. ALL of the ABOVE - Correct answer-*C. collect any premiums (other
than the initial premium on direct) without specific written authorization from
Aflac WWHQ*
*Purposely holding applications for contest qualification for yourself or
others is ___________________________________.*
A. allowable, if you are trying to qualify for Honor Clubs
B. frowned upon but acceptable
