PRIMERICA COMPREHENSIVE
CERTIFICATION TEST 2026 COMPLETE
QUESTIONS AND ANSWERS
◉ If a misstatement of age is discovered during the processing of a
life insurance claim, what will the insurer do?
Answer: adjusts the death benefit based on the premiums that were
paid
◉ Which of the following allows an insurance company to deny
coverage if the insured's death occurs in a war?
Answer: policy exclusions
◉ Each of the following is a typical characteristic of group life
insurance EXCEPT
Answer: evidence of insurability is usually required
◉ A life settlement opinion that pays out the death benefit
incrementally, in a specified amount until all of the proceeds are
exhausted, is called
Answer: fixed-amount installments
, ◉ A life insurance death benefit paid in a lump sum to a beneficiary
is
Answer: not subject to any taxes
◉ Which of the follow is NOT a nonforfeiture option in whole life
policies?
Answer: accumulation at interest
◉ Which of the following indicates the person upon whose life the
annuity income amount is determined?
Answer: annuitant
◉ An annuity that is purchased with a lump-sum payment, and that
begins income payments within one year is a
Answer: single premium immediate annuity
◉ Which statement is INCORRECT concerning policy dividends?
Answer: the insurer may guarantee dividends
◉ What is the risk classification for those who are insurable, but
have a higher than average risk?
Answer: substandard
CERTIFICATION TEST 2026 COMPLETE
QUESTIONS AND ANSWERS
◉ If a misstatement of age is discovered during the processing of a
life insurance claim, what will the insurer do?
Answer: adjusts the death benefit based on the premiums that were
paid
◉ Which of the following allows an insurance company to deny
coverage if the insured's death occurs in a war?
Answer: policy exclusions
◉ Each of the following is a typical characteristic of group life
insurance EXCEPT
Answer: evidence of insurability is usually required
◉ A life settlement opinion that pays out the death benefit
incrementally, in a specified amount until all of the proceeds are
exhausted, is called
Answer: fixed-amount installments
, ◉ A life insurance death benefit paid in a lump sum to a beneficiary
is
Answer: not subject to any taxes
◉ Which of the follow is NOT a nonforfeiture option in whole life
policies?
Answer: accumulation at interest
◉ Which of the following indicates the person upon whose life the
annuity income amount is determined?
Answer: annuitant
◉ An annuity that is purchased with a lump-sum payment, and that
begins income payments within one year is a
Answer: single premium immediate annuity
◉ Which statement is INCORRECT concerning policy dividends?
Answer: the insurer may guarantee dividends
◉ What is the risk classification for those who are insurable, but
have a higher than average risk?
Answer: substandard
