Name: Score:
99 Multiple choice questions
Term 1 of 99
Rick is a disabled worker receiving Social Security benefits. What is his wife and dependent
children eligible for?
No benefits
Spouse is eligible for an income benefit but the children are not
An income benefit which is a percentage of his primary insurance amount (PIA)
An income benefit which equals his entire primary insurance amount (PIA)
Term 2 of 99
The standard provisions of an accident and health insurance policy require that the
policy, attached papers, and endorsements make up the "entire contract"
policy summary, conditional receipt, and initial premium make up the "entire contract"
change of occupation provision is mandatory
grace period be no shorter than 60
Term 3 of 99
The courts will normally interpret a policy in favor of the insured when the meaning of the policy
is not clear. This is because an insurance policy is a(n)
warranty contract
aleatory contract
contract of adhesion
unilateral contract
,Term 4 of 99
An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus
(HIV) infection is used to help determine
The type of policy that will be issued
Effective date and term of coverage
Whether an insurable interest exists
The insurability of the proposed insured
Term 5 of 99
Pete is covered by an employer-provided group health insurance plan, which covers employees
in multiple states. This plan is governed by the laws of which state?
Where the certificate of coverage was mailed to
Where most of the employees reside
Where the master contract was issued
Where the insurer's home office is located
Term 6 of 99
An accident and health insurance policy defines an injury as "bodily injury by accidental means".
For an injury to be covered on this policy, what is required?
The accident must be external and violent
The cause of the accident must be intentional
Only the injury resulting from an accident must be unintentional
Both the cause and the result of an accident must be unintentional
,Term 7 of 99
An insurance policy may be issued with a preferred insurance premium in all of these situations
EXCEPT
good credit history
living in a rural area
good health history
being a nonsmoker
Term 8 of 99
Which of the following describes the treatment service of a crown?
Endodontics
Periodontics
Prosthodontics
Orthodontics
Term 9 of 99
The Affordable Care Act (ACA) established "exchanges" in order to
assist individuals and small businesses when making their health insurance purchases
enforce every U.S citizen to purchase health insurance
issue fines to those U.S. citizens who do not purchase health insurance
assist in the conversion of individual policies to government mandated plans
, Term 10 of 99
Long-term care policies normally cover expenses associated with
Drug and alcohol dependency treatment
Halfway homes
Nursing homes
Intensive care units
Term 11 of 99
Under what circumstances must an agent provide his or her business records to the Director of
Insurance?
Upon request of an insured
Upon request of the Director
Under no circumstances due to privacy consideration
By authorization from the National Association of Insurance Commissioners (NAIC)
Term 12 of 99
An example of illegal inducement would be
Announcing the opening of a new agency
Publishing guaranteed dividend rates on a new type of policy
Delaying payment on a claim because of an incomplete accident report
Advertising that your agency can provide policies with competitive rates
99 Multiple choice questions
Term 1 of 99
Rick is a disabled worker receiving Social Security benefits. What is his wife and dependent
children eligible for?
No benefits
Spouse is eligible for an income benefit but the children are not
An income benefit which is a percentage of his primary insurance amount (PIA)
An income benefit which equals his entire primary insurance amount (PIA)
Term 2 of 99
The standard provisions of an accident and health insurance policy require that the
policy, attached papers, and endorsements make up the "entire contract"
policy summary, conditional receipt, and initial premium make up the "entire contract"
change of occupation provision is mandatory
grace period be no shorter than 60
Term 3 of 99
The courts will normally interpret a policy in favor of the insured when the meaning of the policy
is not clear. This is because an insurance policy is a(n)
warranty contract
aleatory contract
contract of adhesion
unilateral contract
,Term 4 of 99
An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus
(HIV) infection is used to help determine
The type of policy that will be issued
Effective date and term of coverage
Whether an insurable interest exists
The insurability of the proposed insured
Term 5 of 99
Pete is covered by an employer-provided group health insurance plan, which covers employees
in multiple states. This plan is governed by the laws of which state?
Where the certificate of coverage was mailed to
Where most of the employees reside
Where the master contract was issued
Where the insurer's home office is located
Term 6 of 99
An accident and health insurance policy defines an injury as "bodily injury by accidental means".
For an injury to be covered on this policy, what is required?
The accident must be external and violent
The cause of the accident must be intentional
Only the injury resulting from an accident must be unintentional
Both the cause and the result of an accident must be unintentional
,Term 7 of 99
An insurance policy may be issued with a preferred insurance premium in all of these situations
EXCEPT
good credit history
living in a rural area
good health history
being a nonsmoker
Term 8 of 99
Which of the following describes the treatment service of a crown?
Endodontics
Periodontics
Prosthodontics
Orthodontics
Term 9 of 99
The Affordable Care Act (ACA) established "exchanges" in order to
assist individuals and small businesses when making their health insurance purchases
enforce every U.S citizen to purchase health insurance
issue fines to those U.S. citizens who do not purchase health insurance
assist in the conversion of individual policies to government mandated plans
, Term 10 of 99
Long-term care policies normally cover expenses associated with
Drug and alcohol dependency treatment
Halfway homes
Nursing homes
Intensive care units
Term 11 of 99
Under what circumstances must an agent provide his or her business records to the Director of
Insurance?
Upon request of an insured
Upon request of the Director
Under no circumstances due to privacy consideration
By authorization from the National Association of Insurance Commissioners (NAIC)
Term 12 of 99
An example of illegal inducement would be
Announcing the opening of a new agency
Publishing guaranteed dividend rates on a new type of policy
Delaying payment on a claim because of an incomplete accident report
Advertising that your agency can provide policies with competitive rates
