OHIO HEALTH AND LIFE INSURANCE
EXAMINATION TEST 2026 QUESTIONS AND
ANSWERS GRADED A+
◉ Krissa purchases a 10-year level term life insurance policy that
has a death benefit of $200,000. Which of these statements is true?
The policy automatically converts to whole life after the 10-year
period. Answer: The face amount and premium will remain constant
over the 10 year period
◉ Which of the following provides Medicare supplement policies?.
Answer: Private insurance companies
◉ Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify
Creditable Coverage so that the. Answer: employee's waiting period
for coverage of a preexisting condition can be reduced under the
new employer's health plan
◉ Which of the following is typically NOT eligible for the coverage in
a group health policy?. Answer: Temporary employee
◉ Which of the following is a reinstatement condition?. Answer:
Proof of insurability
,◉ Ohio requires that a licensee complete ______ hours of continuing
education on the subject of ethics every reporting period.. Answer: 3
◉ Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a. Answer:
nonresident agent
◉ Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule would be
applications for. Answer: guaranteed issue
◉ Continuous 24- hour care provided by licensed medical
professionals under the direct supervision of a physician is called.
Answer: skilled nursing care
◉ The entire contract includes the actual policy and the. Answer:
application
◉ The branch of dentistry which deals with the replacement of
missing parts is called. Answer: Prosthodontics
◉ An agent's license has been suspended for non-renewal. The agent
my apply for reinstatement. Answer: within 12 months of the license
renewal date
, ◉ Which of the following is an annuity that is linked to a market-
related index?. Answer: Equity- indexed annuity
◉ A closed network plan offers a a primary physician copay of $25.
If a subscriber chooses a primary care physician outside of the
network, the subscriber will likely pay. Answer: 100% of the billed
amount
◉ An accident and health insurer has just received written proof of
loss from one of its insureds. The insured must now wait 60 days
before. Answer: bringing legal action against the insurer
◉ An individual most likely will have an insurable interest in
insuring a person's life if. Answer: An economic interest exists for
the continuance of the insured's life
◉ According to the Health Insurance Portability and Accountability
Act (HIPPA), when can a group health policy renewal be denied?.
Answer: Participation or contribution rules have been violated
◉ Medicaid is a government-funded program designed to provide
health care to. Answer: poor people
EXAMINATION TEST 2026 QUESTIONS AND
ANSWERS GRADED A+
◉ Krissa purchases a 10-year level term life insurance policy that
has a death benefit of $200,000. Which of these statements is true?
The policy automatically converts to whole life after the 10-year
period. Answer: The face amount and premium will remain constant
over the 10 year period
◉ Which of the following provides Medicare supplement policies?.
Answer: Private insurance companies
◉ Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify
Creditable Coverage so that the. Answer: employee's waiting period
for coverage of a preexisting condition can be reduced under the
new employer's health plan
◉ Which of the following is typically NOT eligible for the coverage in
a group health policy?. Answer: Temporary employee
◉ Which of the following is a reinstatement condition?. Answer:
Proof of insurability
,◉ Ohio requires that a licensee complete ______ hours of continuing
education on the subject of ethics every reporting period.. Answer: 3
◉ Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a. Answer:
nonresident agent
◉ Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule would be
applications for. Answer: guaranteed issue
◉ Continuous 24- hour care provided by licensed medical
professionals under the direct supervision of a physician is called.
Answer: skilled nursing care
◉ The entire contract includes the actual policy and the. Answer:
application
◉ The branch of dentistry which deals with the replacement of
missing parts is called. Answer: Prosthodontics
◉ An agent's license has been suspended for non-renewal. The agent
my apply for reinstatement. Answer: within 12 months of the license
renewal date
, ◉ Which of the following is an annuity that is linked to a market-
related index?. Answer: Equity- indexed annuity
◉ A closed network plan offers a a primary physician copay of $25.
If a subscriber chooses a primary care physician outside of the
network, the subscriber will likely pay. Answer: 100% of the billed
amount
◉ An accident and health insurer has just received written proof of
loss from one of its insureds. The insured must now wait 60 days
before. Answer: bringing legal action against the insurer
◉ An individual most likely will have an insurable interest in
insuring a person's life if. Answer: An economic interest exists for
the continuance of the insured's life
◉ According to the Health Insurance Portability and Accountability
Act (HIPPA), when can a group health policy renewal be denied?.
Answer: Participation or contribution rules have been violated
◉ Medicaid is a government-funded program designed to provide
health care to. Answer: poor people
