Key Quizzes with 100% Correct
Answers | Newest Update 2026 | 2027
Quiz_________________?
A. A member of an HMO can receive care in or out of the HMO service area, but care is
preferred in the service area.
Emergency care must be provided for the member in or out of the HMO's service area. If
emergency care is being provided for a member outside the service area, the HMO will be
eager to get the member back into the service area so that care can be provided by salaried
member physicians. -
ANSWER✅
How is emergency care covered for a member of an HMO?
A) A member of an HMO can receive care in or out of the HMO service area, but care is
preferred in the service area.
B) 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.
C) HMOs have salaried member physicians, but they do not cover emergency care.
D) An HMO emergency specialist will cover the patient.
Quiz_________________?
1
, a). Business Overhead Insurance
Business overhead insurance is designed to pay the ongoing business expenses of a small
business owner while they are disabled and unable to work. It will provide the funds needed
to pay the salary of employees other than the owners and their ongoing business expenses,
such as rent. -
ANSWER✅
A dentist is off work for 4 months due to a disability. His dental assistant's salary would be
covered by?
a). Business Overhead Insurance
b). Disability Income
c). Key Employee Disability
d). Partnership Disability
Quiz_________________?
a). Defamation -
ANSWER✅
During policy solicitation, an insurer exaggerates the financial condition of one of it's
competitors, and makes it sound worse than it is. This is an example of an unfair trade
practice of?
a). Defamation
b). Twisting
c). False advertising
d). Misrepresentation
Quiz_________________?
2
, a). One that is severe enough that the insured automatically qualities for full disability
benefits
A presumptive disability is a continuing total disability that is presumed in cases involving
loss of sight, hearing, speech or the loss of any two limbs. Under these circumstances, the
insurance company does not require the insured to submit to periodic examinations to
prove continuing disability. -
ANSWER✅
Which of the following best describes a presumptive disability?
a). One that is severe enough that the insured automatically qualities for full disability
benefits
b). One that requires the insured to submit to physical exams periodically
c). One that a doctor predicts may reoccur in the future
d). One that the insured will fully recover from in the future
Quiz_________________?
a). Supplement Social Security coverage
Supplement Social Security coverage is a rider to a disability policy. -
ANSWER✅
All of the following would be classified as "limited insurance coverage" EXCEPT
a). Supplement Social Security coverage
b). Travel insurance policy
c). Dread disease policy
d). Accidental death and dismemberment policy
3
, Quiz_________________?
a)90 days of a loss.
Under the Uniform Required Provisions, proof of loss under a health insurance policy
normally should be filed within 90 days of a loss. -
ANSWER✅
Under the uniform required provisions, proof of loss under a health insurance policy
normally should be filed within
a)90 days of a loss.
b)20 days of a loss.
c)30 days of a loss.
d)60 days of a loss.
Quiz_________________?
a)Adjust the claim benefit to reflect the insured's true age
The Misstatement of Age provision says that if a client has misstated her age, whether
intentional or unintentional, they will adjust the benefit being paid. It doesn't matter when
the mistake was found. -
ANSWER✅
An insured misstated her age on an application for an individual health insurance policy. The
insurance company found the mistake after the contestable period had expired. The
insurance company will take which of the following actions regarding any claim that has been
issued?
a)Adjust the claim benefit to reflect the insured's true age
b)Deny any claims and cancel the policy
c)Deny paying a claim based on misrepresentation
d)Pay the full amount of a claim because the contestable period has ended
4
Answers | Newest Update 2026 | 2027
Quiz_________________?
A. A member of an HMO can receive care in or out of the HMO service area, but care is
preferred in the service area.
Emergency care must be provided for the member in or out of the HMO's service area. If
emergency care is being provided for a member outside the service area, the HMO will be
eager to get the member back into the service area so that care can be provided by salaried
member physicians. -
ANSWER✅
How is emergency care covered for a member of an HMO?
A) A member of an HMO can receive care in or out of the HMO service area, but care is
preferred in the service area.
B) 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.
C) HMOs have salaried member physicians, but they do not cover emergency care.
D) An HMO emergency specialist will cover the patient.
Quiz_________________?
1
, a). Business Overhead Insurance
Business overhead insurance is designed to pay the ongoing business expenses of a small
business owner while they are disabled and unable to work. It will provide the funds needed
to pay the salary of employees other than the owners and their ongoing business expenses,
such as rent. -
ANSWER✅
A dentist is off work for 4 months due to a disability. His dental assistant's salary would be
covered by?
a). Business Overhead Insurance
b). Disability Income
c). Key Employee Disability
d). Partnership Disability
Quiz_________________?
a). Defamation -
ANSWER✅
During policy solicitation, an insurer exaggerates the financial condition of one of it's
competitors, and makes it sound worse than it is. This is an example of an unfair trade
practice of?
a). Defamation
b). Twisting
c). False advertising
d). Misrepresentation
Quiz_________________?
2
, a). One that is severe enough that the insured automatically qualities for full disability
benefits
A presumptive disability is a continuing total disability that is presumed in cases involving
loss of sight, hearing, speech or the loss of any two limbs. Under these circumstances, the
insurance company does not require the insured to submit to periodic examinations to
prove continuing disability. -
ANSWER✅
Which of the following best describes a presumptive disability?
a). One that is severe enough that the insured automatically qualities for full disability
benefits
b). One that requires the insured to submit to physical exams periodically
c). One that a doctor predicts may reoccur in the future
d). One that the insured will fully recover from in the future
Quiz_________________?
a). Supplement Social Security coverage
Supplement Social Security coverage is a rider to a disability policy. -
ANSWER✅
All of the following would be classified as "limited insurance coverage" EXCEPT
a). Supplement Social Security coverage
b). Travel insurance policy
c). Dread disease policy
d). Accidental death and dismemberment policy
3
, Quiz_________________?
a)90 days of a loss.
Under the Uniform Required Provisions, proof of loss under a health insurance policy
normally should be filed within 90 days of a loss. -
ANSWER✅
Under the uniform required provisions, proof of loss under a health insurance policy
normally should be filed within
a)90 days of a loss.
b)20 days of a loss.
c)30 days of a loss.
d)60 days of a loss.
Quiz_________________?
a)Adjust the claim benefit to reflect the insured's true age
The Misstatement of Age provision says that if a client has misstated her age, whether
intentional or unintentional, they will adjust the benefit being paid. It doesn't matter when
the mistake was found. -
ANSWER✅
An insured misstated her age on an application for an individual health insurance policy. The
insurance company found the mistake after the contestable period had expired. The
insurance company will take which of the following actions regarding any claim that has been
issued?
a)Adjust the claim benefit to reflect the insured's true age
b)Deny any claims and cancel the policy
c)Deny paying a claim based on misrepresentation
d)Pay the full amount of a claim because the contestable period has ended
4
