MISSISSIPPI LIFE AND HEALTH INSURANCE
CERTIFICATION EVALUATION EXAMS 2026
COMPLETE QUESTIONS AND ANSWERS
GUARANTEED TO PASS
◉ Commissioner.
Answer: The chief executive and administrative officer of a state
insurance department.
◉ Comprehensive Policy.
Answer: A plan that provides a package of health care services,
including preventive care, routine physicals, immunization,
outpatient services and hospitalization.
◉ Comprehensive Major Medical.
Answer: A combination of basic coverage and major medical
coverage that features low deductibles, high maximum benefits, and
coinsurance.
◉ Concealment.
Answer: The withholding of known facts which, if material, can void
a contract.
,◉ Conditional Contract.
Answer: A type of an agreement in which both parties must perform
certain duties and follow rules of conduct to make the contract
enforceable.
◉ Consideration.
Answer: The binding force in a contract that requires something of
value to be exchanged for the transfer of risk. The consideration on
the part of the insured is the representations made in the
application and the payment of premium; the consideration on the
part of the insurer is the promise to pay in the event of loss.
◉ Consideration Clause.
Answer: A part of the insurance contract that states that both parties
must give something of value for the transfer of risk, and specifies
the conditions of the exchange.
◉ Consolidated Omnibus Budget Reconciliation Act (COBRA).
Answer: Continues group health car for up to 18 months
◉ Consumer Report.
Answer: A written and/or oral statement regarding a consumer's
credit, character, reputation, or habits collected by a reporting
agency from employment records, credit reports, and other public
sources.
,◉ contract.
Answer: An agreement between two or more parties that is
enforceable in court
◉ Contributory.
Answer: A group insurance plan that requires the employees to pay
part of the premium.
◉ coordination of benefits.
Answer: A provision that helps determine the primary provider in
situations where an insured is covered by more than one policy, thus
avoiding claims overpayments.
◉ Copayment.
Answer: An arrangement in which an insured must pay a specified
amount for services "up front" and the provider pays the remainder
of the cost.
◉ Custodial Care.
Answer: Care that is rendered to help an insured complete his/her
activities of daily living.
◉ Deductible.
, Answer: a portion of a covered loss that is not paid by the insurer
◉ Defamation.
Answer: An unfair trade practice in which one agent or insurer
makes an injurious statement about another with the intent of
harming the person's or company's reputation.
◉ Director.
Answer: The chief executive and administrative officer of the
Insurance Department.
◉ disability income insurance.
Answer: Health insurance that provides periodic payments to
replace an insured's income when he/she is injured or ill.
◉ disclosure.
Answer: An act of identifying the name of the producer,
representative or firm, limited insurance representative, or
temporary insurance producer on any policy solicitation.
◉ Domestic Insurer.
Answer: An insurance company that is incorporated in the state.
CERTIFICATION EVALUATION EXAMS 2026
COMPLETE QUESTIONS AND ANSWERS
GUARANTEED TO PASS
◉ Commissioner.
Answer: The chief executive and administrative officer of a state
insurance department.
◉ Comprehensive Policy.
Answer: A plan that provides a package of health care services,
including preventive care, routine physicals, immunization,
outpatient services and hospitalization.
◉ Comprehensive Major Medical.
Answer: A combination of basic coverage and major medical
coverage that features low deductibles, high maximum benefits, and
coinsurance.
◉ Concealment.
Answer: The withholding of known facts which, if material, can void
a contract.
,◉ Conditional Contract.
Answer: A type of an agreement in which both parties must perform
certain duties and follow rules of conduct to make the contract
enforceable.
◉ Consideration.
Answer: The binding force in a contract that requires something of
value to be exchanged for the transfer of risk. The consideration on
the part of the insured is the representations made in the
application and the payment of premium; the consideration on the
part of the insurer is the promise to pay in the event of loss.
◉ Consideration Clause.
Answer: A part of the insurance contract that states that both parties
must give something of value for the transfer of risk, and specifies
the conditions of the exchange.
◉ Consolidated Omnibus Budget Reconciliation Act (COBRA).
Answer: Continues group health car for up to 18 months
◉ Consumer Report.
Answer: A written and/or oral statement regarding a consumer's
credit, character, reputation, or habits collected by a reporting
agency from employment records, credit reports, and other public
sources.
,◉ contract.
Answer: An agreement between two or more parties that is
enforceable in court
◉ Contributory.
Answer: A group insurance plan that requires the employees to pay
part of the premium.
◉ coordination of benefits.
Answer: A provision that helps determine the primary provider in
situations where an insured is covered by more than one policy, thus
avoiding claims overpayments.
◉ Copayment.
Answer: An arrangement in which an insured must pay a specified
amount for services "up front" and the provider pays the remainder
of the cost.
◉ Custodial Care.
Answer: Care that is rendered to help an insured complete his/her
activities of daily living.
◉ Deductible.
, Answer: a portion of a covered loss that is not paid by the insurer
◉ Defamation.
Answer: An unfair trade practice in which one agent or insurer
makes an injurious statement about another with the intent of
harming the person's or company's reputation.
◉ Director.
Answer: The chief executive and administrative officer of the
Insurance Department.
◉ disability income insurance.
Answer: Health insurance that provides periodic payments to
replace an insured's income when he/she is injured or ill.
◉ disclosure.
Answer: An act of identifying the name of the producer,
representative or firm, limited insurance representative, or
temporary insurance producer on any policy solicitation.
◉ Domestic Insurer.
Answer: An insurance company that is incorporated in the state.
