1|Page
NJ Accident and Health Final Exam || Most Recent
Exam 2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Guaranteed Success | Newest
Exam!!!!
Written notice for a health claim must be given to the
insurer ___ days after the occurrence of the loss. -
Answers-20
In which of the following situations would the insurer be
liable for a loss?
a) The insured skipped a payment beyond the 31 day
grace period
b) The insured was injured while participating in an illegal
occupation
c) The insured was given a notice of cancellation from the
insurer
d) The insured suffered an injury as an innocent bystander
during a bank robbery - Answers-d) The insured suffered
an injury as an innocent bystander during a bank robbery
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When a Medicare supplement policy is purchased during
the open enrollment period - Answers-The policy must be
issued regardless of health status
In what form do disability income policies typically pay
benefits? - Answers-Periodic income
What is considered to be the primary reason for buying life
insurance? - Answers-Provide death benefits
A newborn is required to be covered for ____ days from
the moment of birth - Answers-30
Once an accident and health insurance policy has been in
force for ___ year(s), the policy may NOT be contested by
the insurer - Answers-2
A doctor who accepts Medicare assignment agrees to
which of the following
- Doctor may charge up to a maximum of 15% more than
Medicare pays for the service
, 3|Page
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled
coverage
- Doctor bills the Medicare beneficiary directly for services
performed - Answers-Doctor cannot charge more than
Medicare's scheduled coverage
What is issued to each employee with an employer health
plan? - Answers-Certificate
What is the tax liability for employer contributions in Health
Savings Accounts (HSA's)? - Answers-No tax payment
needed
All of these are considered sources of information that can
assist an underwriter in determining whether or not to
accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
NJ Accident and Health Final Exam || Most Recent
Exam 2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Guaranteed Success | Newest
Exam!!!!
Written notice for a health claim must be given to the
insurer ___ days after the occurrence of the loss. -
Answers-20
In which of the following situations would the insurer be
liable for a loss?
a) The insured skipped a payment beyond the 31 day
grace period
b) The insured was injured while participating in an illegal
occupation
c) The insured was given a notice of cancellation from the
insurer
d) The insured suffered an injury as an innocent bystander
during a bank robbery - Answers-d) The insured suffered
an injury as an innocent bystander during a bank robbery
,2|Page
When a Medicare supplement policy is purchased during
the open enrollment period - Answers-The policy must be
issued regardless of health status
In what form do disability income policies typically pay
benefits? - Answers-Periodic income
What is considered to be the primary reason for buying life
insurance? - Answers-Provide death benefits
A newborn is required to be covered for ____ days from
the moment of birth - Answers-30
Once an accident and health insurance policy has been in
force for ___ year(s), the policy may NOT be contested by
the insurer - Answers-2
A doctor who accepts Medicare assignment agrees to
which of the following
- Doctor may charge up to a maximum of 15% more than
Medicare pays for the service
, 3|Page
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled
coverage
- Doctor bills the Medicare beneficiary directly for services
performed - Answers-Doctor cannot charge more than
Medicare's scheduled coverage
What is issued to each employee with an employer health
plan? - Answers-Certificate
What is the tax liability for employer contributions in Health
Savings Accounts (HSA's)? - Answers-No tax payment
needed
All of these are considered sources of information that can
assist an underwriter in determining whether or not to
accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
