XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE QUESTIONS WITH SOLVED SOLUTIONS

When an insurance company requests an attending physician's report, the request must be accompanied by a - ANSWER-Copy of the signed authorization Which of the following is NOT a required uniform provision in individual health policies? - ANSWER-Change of occupation "Life insurance creates an immediate estate". This phrase means - ANSWER-When the insured dies, a death benefit is paid A person who asserts a right of recovery under an insurance policy is called - ANSWER-Claimant Before an insurer is allowed to test an individual for HIV, what must be completed? - ANSWER-Consent Form Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used to classify the risk, the insurer will most likely classify Jim according to the occupation that - ANSWER-is most hazardous Under a long-term care insurance policy, adult day care coverage will provide for - ANSWER-part time care at a facility for elderly individuals who live at home Which of the following is NOT true regarding a family policy that covers children? - ANSWER-Conversion of child's coverage to permanent insurance requires evidence of insurability How long is a person expected to be disabled in order to receive Social Security disability benefits? - ANSWER-12 months