Colorado Health Exam Practice
Questions and answers | Actual
answers 2026!!!!
Consumers must be made aware of all of the following in replacement sale, except? - ANSWERS💫✔️-
The financial ratings from each rating service
Policy replacement is the process of: - ANSWERS💫✔️-Cancelling an existing policy and issuing a new
policy
Edward applies for a disability insurance policy. He pays the initial premium at the time of application
and receives a conditional receipt. Three days after the insurance company conducts a medical
examination, but before it issues a policy, Edward suffers a stroke. Upon reviewing the results of his
medical exam, the company discovers that Edward has been diagnosed with high blood pressure and
atherosclerosis. Under the terms of the conditional receipt, the insurance company: - ANSWERS💫✔️-
Denies the claim becuase the insurer would not have issued the policy as applied for as standard or
better
If the insurer issues a policy after receiving an application for health insurance in which questions
regarding preexisting conditions were left blank, what would be the consequence to the insured's
coverage if a preexisting condition caused a claim shortly after the policy was issued? - ANSWERS💫✔️-
Coverage would be as stipulated in the policy because the company issued the policy even though the
question was left blank
All of the following are examples of insurable interest between the insured and policyowner, except: -
ANSWERS💫✔️-College roommates
In the event there is a policy issued and there are questions on the insurance application that went
unanswered: - ANSWERS💫✔️-It will be assumed that the insurer waived their right to have answers to
those questions
A producer gathers information about the applicant for the insurer in order to avoid adverse selection.
This is considered to be: - ANSWERS💫✔️-Field underwriting
,Which of the following is not an underwriting factor for health insurance? - ANSWERS💫✔️-Place of birth
Accidental Injury is a: - ANSWERS💫✔️-Sudden, unexpected and unforeseen event
What is the primary source of underwriting information for an individual health insurance policy? -
ANSWERS💫✔️-The application
Which of the following would be considered a pre-existing condition? - ANSWERS💫✔️-Diabetes
The agent's primary underwriting role is: - ANSWERS💫✔️-To make sure the application provides the
proper information
During the underwriting process, an underwriter was alerted that the applicant previously failed a
medical exam by testing positive for marijuana while applying for a disability income policy 2 years ago.
Which of the following sources provides this type of information to assist member companies when
determining the eligibility of an individual risk? - ANSWERS💫✔️-Medical Information Bureau
The insurer's underwriter may find information about an applicant's moral character, hobbies, work and
general reputation from a: - ANSWERS💫✔️-Consumer Investigative Report
Which one of the following is not a factor when an insurer underwrites a policy? - ANSWERS💫✔️-Marital
status
After K completed an application for health insurance, a paramedical scheduled an appointment to
check height, weight, blood pressure, and collect blood and urine samples. This is an example of which
source of underwriting? - ANSWERS💫✔️-Medical exam
An applicant for accident and health insurance works two jobs. Which of the applicant's jobs will be used
to underwrite the policy? - ANSWERS💫✔️-The most hazardous of the two
, Which of the following items does not become part of the insurance contract as defined in the entire
contract clause? - ANSWERS💫✔️-The agent's report
Which of the following is not considered an underwriting factor when determining insurability for health
insurance? - ANSWERS💫✔️-Spouse's occupation
If a premium is collected at the time of the application, the producer will issue a: - ANSWERS💫✔️-
Conditional receipt
An application for health insurance includes all of the following information, except: - ANSWERS💫✔️-
Attending physician's statement
When Harry completed his insurance application, the agent discovered that he was under treatment for
a chronic condition. In order to gather the necessary information, Harry's agent ordered a/an: -
ANSWERS💫✔️-An attending physician statement
If a change or correction must be made on the application for insurance, which of the following applies?
- ANSWERS💫✔️-The Producer can make the change and have the insured initial the change
Which of the following has primary responsibility for ensuring that the application is filled out
completely? - ANSWERS💫✔️-Producer
When a policy is mailed to an agent by an insurer after being accepted as applied for and the initial
premium paid, it is considered to be: - ANSWERS💫✔️-Legally Delivered
If an application is submitted with a question left unanswered, which of the following should occur? -
ANSWERS💫✔️-The insurer would require an answer before issuing a policy
Which of the following are included in Part II of a Health Insurance Application? - ANSWERS💫✔️-Present
health and medical background of applicant and family
Questions and answers | Actual
answers 2026!!!!
Consumers must be made aware of all of the following in replacement sale, except? - ANSWERS💫✔️-
The financial ratings from each rating service
Policy replacement is the process of: - ANSWERS💫✔️-Cancelling an existing policy and issuing a new
policy
Edward applies for a disability insurance policy. He pays the initial premium at the time of application
and receives a conditional receipt. Three days after the insurance company conducts a medical
examination, but before it issues a policy, Edward suffers a stroke. Upon reviewing the results of his
medical exam, the company discovers that Edward has been diagnosed with high blood pressure and
atherosclerosis. Under the terms of the conditional receipt, the insurance company: - ANSWERS💫✔️-
Denies the claim becuase the insurer would not have issued the policy as applied for as standard or
better
If the insurer issues a policy after receiving an application for health insurance in which questions
regarding preexisting conditions were left blank, what would be the consequence to the insured's
coverage if a preexisting condition caused a claim shortly after the policy was issued? - ANSWERS💫✔️-
Coverage would be as stipulated in the policy because the company issued the policy even though the
question was left blank
All of the following are examples of insurable interest between the insured and policyowner, except: -
ANSWERS💫✔️-College roommates
In the event there is a policy issued and there are questions on the insurance application that went
unanswered: - ANSWERS💫✔️-It will be assumed that the insurer waived their right to have answers to
those questions
A producer gathers information about the applicant for the insurer in order to avoid adverse selection.
This is considered to be: - ANSWERS💫✔️-Field underwriting
,Which of the following is not an underwriting factor for health insurance? - ANSWERS💫✔️-Place of birth
Accidental Injury is a: - ANSWERS💫✔️-Sudden, unexpected and unforeseen event
What is the primary source of underwriting information for an individual health insurance policy? -
ANSWERS💫✔️-The application
Which of the following would be considered a pre-existing condition? - ANSWERS💫✔️-Diabetes
The agent's primary underwriting role is: - ANSWERS💫✔️-To make sure the application provides the
proper information
During the underwriting process, an underwriter was alerted that the applicant previously failed a
medical exam by testing positive for marijuana while applying for a disability income policy 2 years ago.
Which of the following sources provides this type of information to assist member companies when
determining the eligibility of an individual risk? - ANSWERS💫✔️-Medical Information Bureau
The insurer's underwriter may find information about an applicant's moral character, hobbies, work and
general reputation from a: - ANSWERS💫✔️-Consumer Investigative Report
Which one of the following is not a factor when an insurer underwrites a policy? - ANSWERS💫✔️-Marital
status
After K completed an application for health insurance, a paramedical scheduled an appointment to
check height, weight, blood pressure, and collect blood and urine samples. This is an example of which
source of underwriting? - ANSWERS💫✔️-Medical exam
An applicant for accident and health insurance works two jobs. Which of the applicant's jobs will be used
to underwrite the policy? - ANSWERS💫✔️-The most hazardous of the two
, Which of the following items does not become part of the insurance contract as defined in the entire
contract clause? - ANSWERS💫✔️-The agent's report
Which of the following is not considered an underwriting factor when determining insurability for health
insurance? - ANSWERS💫✔️-Spouse's occupation
If a premium is collected at the time of the application, the producer will issue a: - ANSWERS💫✔️-
Conditional receipt
An application for health insurance includes all of the following information, except: - ANSWERS💫✔️-
Attending physician's statement
When Harry completed his insurance application, the agent discovered that he was under treatment for
a chronic condition. In order to gather the necessary information, Harry's agent ordered a/an: -
ANSWERS💫✔️-An attending physician statement
If a change or correction must be made on the application for insurance, which of the following applies?
- ANSWERS💫✔️-The Producer can make the change and have the insured initial the change
Which of the following has primary responsibility for ensuring that the application is filled out
completely? - ANSWERS💫✔️-Producer
When a policy is mailed to an agent by an insurer after being accepted as applied for and the initial
premium paid, it is considered to be: - ANSWERS💫✔️-Legally Delivered
If an application is submitted with a question left unanswered, which of the following should occur? -
ANSWERS💫✔️-The insurer would require an answer before issuing a policy
Which of the following are included in Part II of a Health Insurance Application? - ANSWERS💫✔️-Present
health and medical background of applicant and family
