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

XCEL TESTING SOLUTIONS - CALIFORNIA PRE- LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE When an insurance company requests an attending physician's report, the request must be accompanied by a - Copy of the signed authorization Which of the following is NOT a required uniform provision in individual health policies? - Change of occupation "Life insurance creates an immediate estate". This phrase means - When the insured dies, a death benefit is paid A person who asserts a right of recovery under an insurance policy is called - Claimant Before an insurer is allowed to test an individual for HIV, what must be completed? - 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 - is most hazardous Under a long-term care insurance policy, adult day care coverage will provide for - 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? - 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? - 12 months Which of the following describes the number of deaths in a year compared to the number of people in a select group? - Mortality rate Which of the following is NOT required in the content of a policy? - Probability of loss Jim is applying to become an insurance agent and has a past misdemeanor conviction that was later expunged due to California Penal Code 1203.4. Which of the following statements is correct? - Jim must still disclose the conviction on his insurance license application Which of the following is a life insurance policy that does NOT require a physical exam? - Non-medical The insurer has the option of terminating a health insurance policy on a date stated in the contract. What type of policy is this? - Optionally renewable An individual that has 40 quarters of coverage, for Social Security purposes, is considered to be - Fully insured In a life insurance policy, the entire contract consists of the - policy and attached application Which of the following is NOT considered to be an act of insurance solicitation? - Publishing a magazine where one of the advertisers is an insurer All of the following circumstances must be met for loss retention to be an effective risk management technique EXCEPT - Probability of loss is unknown The importance of a representation is demonstrated in what rule? - Materiality of concealment Which word implies permissiveness according to the California Insurance Code? - May Medical expense policies will typically cover which of the following? - Injuries caused by accidents Which of the following is NOT protected under the California Life and Health Guarantee Association? - Insurers Individuals become eligible for Medicare Part A benefits at what age? - 65 An agent's attempt to stop the replacement of an existing life insurance policy is known as - conservation Which of the following is NOT an accurate description of Access for Infants and Mothers Program (AIM)? - Only women who have private