PEARSON VUE TEXAS LIFE AND HEALTH
INSURANCE ACTUAL SCRIPT 2026 151
QUESTIONS ANSWERS VERIFIED
◉ An underwriter is reviewing an applicant with an extensive medical
history. Which of the following would give the underwriter a better
understanding of how the applicant has been treated for various
illnesses? Answer: Attending physician's statement
◉ Which of the following would NOT be eligible for coverage under
key person? Answer: The owner of the shop
◉ With Adjustable Life, the owner can change all of the following
EXCEPT Answer: The insured
◉ Which of the following is provided by skilled medical personnel to
those who need occasional medical assistance or rehabilitative care?
Answer: Intermediate care
◉ Partial disability usually pays what percentage of the total disability
benefit? Answer: 50%
◉ Which of the following long-term care benefits would provide
coverage for care for functionally impaired adults on a less than 24-hour
basis?
,A. Residential care
B. Assisted living
C. Home health care
D. Adult day care Answer: D. Adult day care
◉ An insured's long-tern care policy is scheduled to pay fixed amount of
coverage of $120 per day. The long-term care facility only charged $100
per day. How much will the insurance company pay?
A. 20% of the total cost
B. $120 a day
C. $100 a day
D. 80% of the total cost Answer: B. $120 a day
◉ In comparison to a policy that uses the accidental means definition, a
policy that uses the accidental bodily injury definition would provide
coverage that is
A. More limited in duration
B. Broader in duration
C. Broder in general
D. More limited in general Answer: C. Broader in general
◉ An individual has been diagnosed with Alzheimer's disease. He is
insured under a life insurance policy with the accelerated benefits rider.
, Which of the following is true regarding taxation of the accelerated
benefits?
A. The entire living benefits is considered taxable income
B. A portion of the benefits up to a limit is tax-free; the rest is taxable
income
C. Principle is tax free, but interest is taxed
D. The entire benefits will be received tax free Answer: B. B. A portion
of the benefits up to a limit is tax-free; the rest is taxable income
◉ All of the following are true of an annuity owner EXCEPT
A. The owner has the right to name the beneficiary
B. The owner is the party who may surrender the annuity
C. The owner must be the party to receive benefits
D. The owner pays the premiums on the annuity Answer: C. The owner
must be the party to receive benefits
◉ How is emergency care covered for a member of an HMO?
A. An HMO emergency specialist will cover the patient
B. A member of an HMO can receive care in or out of the HMO service
area, but care is preferred in the service area
C. A member of an HMO may receive care at any emergency facility, at
the same cost as if in his or her own service area
INSURANCE ACTUAL SCRIPT 2026 151
QUESTIONS ANSWERS VERIFIED
◉ An underwriter is reviewing an applicant with an extensive medical
history. Which of the following would give the underwriter a better
understanding of how the applicant has been treated for various
illnesses? Answer: Attending physician's statement
◉ Which of the following would NOT be eligible for coverage under
key person? Answer: The owner of the shop
◉ With Adjustable Life, the owner can change all of the following
EXCEPT Answer: The insured
◉ Which of the following is provided by skilled medical personnel to
those who need occasional medical assistance or rehabilitative care?
Answer: Intermediate care
◉ Partial disability usually pays what percentage of the total disability
benefit? Answer: 50%
◉ Which of the following long-term care benefits would provide
coverage for care for functionally impaired adults on a less than 24-hour
basis?
,A. Residential care
B. Assisted living
C. Home health care
D. Adult day care Answer: D. Adult day care
◉ An insured's long-tern care policy is scheduled to pay fixed amount of
coverage of $120 per day. The long-term care facility only charged $100
per day. How much will the insurance company pay?
A. 20% of the total cost
B. $120 a day
C. $100 a day
D. 80% of the total cost Answer: B. $120 a day
◉ In comparison to a policy that uses the accidental means definition, a
policy that uses the accidental bodily injury definition would provide
coverage that is
A. More limited in duration
B. Broader in duration
C. Broder in general
D. More limited in general Answer: C. Broader in general
◉ An individual has been diagnosed with Alzheimer's disease. He is
insured under a life insurance policy with the accelerated benefits rider.
, Which of the following is true regarding taxation of the accelerated
benefits?
A. The entire living benefits is considered taxable income
B. A portion of the benefits up to a limit is tax-free; the rest is taxable
income
C. Principle is tax free, but interest is taxed
D. The entire benefits will be received tax free Answer: B. B. A portion
of the benefits up to a limit is tax-free; the rest is taxable income
◉ All of the following are true of an annuity owner EXCEPT
A. The owner has the right to name the beneficiary
B. The owner is the party who may surrender the annuity
C. The owner must be the party to receive benefits
D. The owner pays the premiums on the annuity Answer: C. The owner
must be the party to receive benefits
◉ How is emergency care covered for a member of an HMO?
A. An HMO emergency specialist will cover the patient
B. A member of an HMO can receive care in or out of the HMO service
area, but care is preferred in the service area
C. A member of an HMO may receive care at any emergency facility, at
the same cost as if in his or her own service area
