Life And Health Certification Exam Questions
And Answers Latest Update
Which of the following types of insurance riders is not based on term life
insurance? - correct answers Waiver of premium
At what point after the effective date of an accident and health insurance policy
does it become incontestable? - correct answers 2 years
All of the following groups may contract with PPOs exctpt - correct answers
Government programs
under a long-term care insurance policy, the level of care that is mainly necessary
for the purpose of meeting daily living requirements is called: - correct answers
Custodial care
social security defines disability as the inability to engage - correct answers the
duties of any occupation
a life insurance buyer's guide can be used for all of the following uses except
- correct answers comparison of the cost of similar policies
all of the following are considered service providers except - correct answers a
commercial insurance company
, an agent attends a continuing education course offering 12 hours of credit
before the course is approved by the commissioner. in this case, the agent will
receive - correct answers no credit for the course, because courses must be
approved before study begins
PPO - correct answers preferred provider organization (
HMO - correct answers health maintenance organization (cheaper - less options)
All of the following are duties of the commissioner EXCEPT - correct answers
writing the Washington insurance laws
Who investigates claims on behalf of the insurer or the insured? - correct answers
An Adjuster
Which of the following sales of insurance is subject to replacement regulations? -
correct answers Sale of new individual life insurance policy that causes an
existing life insurance policy to be surrendered.
a lapsed life insurance policy may be reinstated - correct answers Within 30 days
after the grace period expires
policies classified as non-occupational normally provide coverage for - correct
answers losses due to sickness or accidents that are not work-related.
a guaranteed insurability rider normally provides that between ages 25 and 40,
additional life insurance may be purchased without proof of insurability - correct
answers whenever the policyowner wishes
And Answers Latest Update
Which of the following types of insurance riders is not based on term life
insurance? - correct answers Waiver of premium
At what point after the effective date of an accident and health insurance policy
does it become incontestable? - correct answers 2 years
All of the following groups may contract with PPOs exctpt - correct answers
Government programs
under a long-term care insurance policy, the level of care that is mainly necessary
for the purpose of meeting daily living requirements is called: - correct answers
Custodial care
social security defines disability as the inability to engage - correct answers the
duties of any occupation
a life insurance buyer's guide can be used for all of the following uses except
- correct answers comparison of the cost of similar policies
all of the following are considered service providers except - correct answers a
commercial insurance company
, an agent attends a continuing education course offering 12 hours of credit
before the course is approved by the commissioner. in this case, the agent will
receive - correct answers no credit for the course, because courses must be
approved before study begins
PPO - correct answers preferred provider organization (
HMO - correct answers health maintenance organization (cheaper - less options)
All of the following are duties of the commissioner EXCEPT - correct answers
writing the Washington insurance laws
Who investigates claims on behalf of the insurer or the insured? - correct answers
An Adjuster
Which of the following sales of insurance is subject to replacement regulations? -
correct answers Sale of new individual life insurance policy that causes an
existing life insurance policy to be surrendered.
a lapsed life insurance policy may be reinstated - correct answers Within 30 days
after the grace period expires
policies classified as non-occupational normally provide coverage for - correct
answers losses due to sickness or accidents that are not work-related.
a guaranteed insurability rider normally provides that between ages 25 and 40,
additional life insurance may be purchased without proof of insurability - correct
answers whenever the policyowner wishes
