Final Exam 1 Iowa Accident and
Health Questions and Answers
Updated 2026
Dental,BVision,B&BotherBPrescriptionBdrugsB-
BAnswerBCommonBexclusionsBtoBtheBcontinuationBofBgroupBcoverageBinclude
InternalBLimitB-
BAnswerBJayBwasBreviewingBherBhealthBinsuranceBpolicyBandBnoticedBtheBphraseB"Bt
hisBpolicyBwillBonlyBpayBforBaBsemiBprivateBroom"BthisBphraseBisBconsideredBtoBbeBa
n
SubstandardBapplicantsBareBneverBdeclineBbyBunderwritersB-
BAnswerBwhichBofBtheBfollowingBstatementsBaboutBtheBclassificationBofBapplicantsBisB
incorrect?
MonthlyB-BAnswerBPeriodicBhealthBclaimBpaymentBmustBbeBmadeBatBleast
notifyBanBinsurerBofBaBclaimBwithinBaBspecifiedBtimeB-
BAnswerBTheBnoticeBofBclaimsBprovisionBrequiresBaBpolicyBownerBto
DisabilityBincomeB-
BAnswerBABCEO'sBpersonalBassistantBsufferedBinjuriesBatBhome,BandBasBaBresult,Bwas
BunableBtoBworkBforBfourBmonths.BWhichBtypeBofBpolicyBwillBpayBaBmonthlyBbenefit
BtoBtheBpersonalBassistant
GrossBincomeBatBtheBtimeBofBpurchaseB-
BAnswerBWithBdisabilityBincomeBinsurance,BandBinsuranceBcompanyBmayBlimitBtheBm
onthlyBbenefitBamountBofBprospectiveBpolicyholderBmayBobtainBbecauseBofBtheBinsure
d
, MisrepresentationB-
BAnswerBWhichBunfairBtradeBpracticeBinvolvesBaBproducerBsuggestingBthatBanBinsuran
ceBpolicyBisBlikeBaBshareBofBstock?
26B-
BAnswerBUnderBtheBaffordableBcareBact,BhealthBcoverageBisBprovidedBforBdependents
BupBtoBtheBageBof
68-year-oldBmaleBcoveredBbyBMedicareB-
BAnswerBSetBindividualBmostBlikelyBtoBbuyBaBMedicareBsupplementBpolicyBwouldBbeB
in
TestingBpositiveBforBmarijuanaBuseBfromBaBpreviousBscreeningB-
BAnswerBWhichBofBtheseBwasBtheBmedicalBinformationBbureauBidentify
BusinessBoverheadBexpenseB-
BAnswerBWhichBtypeBofBpolicyBwouldBpayBanBemployeeBsalaryBifBtheBemployerBwasB
injuredBinBaBbicycleBaccidentBandBoutBofBworkBforBsixBweeks?
IncomeB-
BAnswerBWhenBdeterminingBtheBmonthlyBbenefitBamountBforBaBdisabilityBincomeBpol
icy,BtheBfactorBthatBlimitsBtheBamountBofBprospectiveBinsuredBmayBpurchaseBis
DisabilityBincomeB-
BAnswerBBBisBaBteacherBwhoBwasBinjuredBinBaBcarBaccidentBandBcannotBwork.BSheBi
sBnowBreceivingBmonthlyBbenefitsBasBaBresultBofBthisBaccident.BWhichBtypeBofBpolicy
BdoesBBBhave?
20B-
BAnswerBanBinsuredBmustBnotifyBandBinsurerBofBmedicalBclaimBwithinBdaysBafterBanB
accident
Health Questions and Answers
Updated 2026
Dental,BVision,B&BotherBPrescriptionBdrugsB-
BAnswerBCommonBexclusionsBtoBtheBcontinuationBofBgroupBcoverageBinclude
InternalBLimitB-
BAnswerBJayBwasBreviewingBherBhealthBinsuranceBpolicyBandBnoticedBtheBphraseB"Bt
hisBpolicyBwillBonlyBpayBforBaBsemiBprivateBroom"BthisBphraseBisBconsideredBtoBbeBa
n
SubstandardBapplicantsBareBneverBdeclineBbyBunderwritersB-
BAnswerBwhichBofBtheBfollowingBstatementsBaboutBtheBclassificationBofBapplicantsBisB
incorrect?
MonthlyB-BAnswerBPeriodicBhealthBclaimBpaymentBmustBbeBmadeBatBleast
notifyBanBinsurerBofBaBclaimBwithinBaBspecifiedBtimeB-
BAnswerBTheBnoticeBofBclaimsBprovisionBrequiresBaBpolicyBownerBto
DisabilityBincomeB-
BAnswerBABCEO'sBpersonalBassistantBsufferedBinjuriesBatBhome,BandBasBaBresult,Bwas
BunableBtoBworkBforBfourBmonths.BWhichBtypeBofBpolicyBwillBpayBaBmonthlyBbenefit
BtoBtheBpersonalBassistant
GrossBincomeBatBtheBtimeBofBpurchaseB-
BAnswerBWithBdisabilityBincomeBinsurance,BandBinsuranceBcompanyBmayBlimitBtheBm
onthlyBbenefitBamountBofBprospectiveBpolicyholderBmayBobtainBbecauseBofBtheBinsure
d
, MisrepresentationB-
BAnswerBWhichBunfairBtradeBpracticeBinvolvesBaBproducerBsuggestingBthatBanBinsuran
ceBpolicyBisBlikeBaBshareBofBstock?
26B-
BAnswerBUnderBtheBaffordableBcareBact,BhealthBcoverageBisBprovidedBforBdependents
BupBtoBtheBageBof
68-year-oldBmaleBcoveredBbyBMedicareB-
BAnswerBSetBindividualBmostBlikelyBtoBbuyBaBMedicareBsupplementBpolicyBwouldBbeB
in
TestingBpositiveBforBmarijuanaBuseBfromBaBpreviousBscreeningB-
BAnswerBWhichBofBtheseBwasBtheBmedicalBinformationBbureauBidentify
BusinessBoverheadBexpenseB-
BAnswerBWhichBtypeBofBpolicyBwouldBpayBanBemployeeBsalaryBifBtheBemployerBwasB
injuredBinBaBbicycleBaccidentBandBoutBofBworkBforBsixBweeks?
IncomeB-
BAnswerBWhenBdeterminingBtheBmonthlyBbenefitBamountBforBaBdisabilityBincomeBpol
icy,BtheBfactorBthatBlimitsBtheBamountBofBprospectiveBinsuredBmayBpurchaseBis
DisabilityBincomeB-
BAnswerBBBisBaBteacherBwhoBwasBinjuredBinBaBcarBaccidentBandBcannotBwork.BSheBi
sBnowBreceivingBmonthlyBbenefitsBasBaBresultBofBthisBaccident.BWhichBtypeBofBpolicy
BdoesBBBhave?
20B-
BAnswerBanBinsuredBmustBnotifyBandBinsurerBofBmedicalBclaimBwithinBdaysBafterBanB
accident