CALIFORNIA LIFE ACCIDENT AND HEALTH EXAM PRATICE QUESTIONS AND ANSWERS (LATEST 2024 – 2025) RATED A+-18

WHICH OF THE FOLLOWING HAS PRIMARY RESPONSIBILITY FOR ENSURING THAT THE APPLICATION IS FILLED OUT COMPLETELY? PRODUCER HOME OFFICE UNDERWRITER c INSURER ACTUARY - CORRECT ANSWER: A PRODUCER IN THE EVENT A POLICY rs DELIVERED BY AN AGENT TO THE INSURED, AND THE PREMIUM PAYMENT IS TO BE COLLECTED AT THE TIME OF THIS DELIVERY, NORMALLY WHAT ELSE MUST THE AGENT OBTAIN TO MAKE THE DELIVERY COMPLETE? POSTAGE AND HANDLING FEES AN AFFIDAVIT FROM THE APPLICANT c A STATEMENT OF GOOD HEALTH ADDITIONAL PAYMENT REFLECTING LOST INTEREST - CORRECT ANSWER: C A ST ATEMENT OF GOOD HEALTH THIS IS THE ONLY ACCIDENT AND HEALTH INSURANCE POLICY THAT PAYS OUT A LUMP-SUM BENEFIT UPON THE DEATH OF THE INSURED IN CERTAIN SITUATIONS. MEDICAL EXPENSE LONG-TERM CARE c ACCIDENTAL DEATH DISABILITY INCOME - CORRECT ANSWER: C ACCIDENTAL DEATH THE INSURER'S UNDERWRITER MAY FIND INFORMATION ABOUT AN APPLICANT'S MORAL CHARACTER, HOBBIES, WORK AND GENERAL REPUTATION FROM A: MEDICAL EXAMINATION ATTENDING PHYSICIAN STATEMENT c AGENT'S REPORT D CONSUMER INVESTIGATIVE REPORT - CORRECT ANSWER: D CONSUMER INVESTIGATIVE REPORT INFORMATION ABOUT AN APPLICANT'S WORK BEHAVIOR OR CHARACTER GATHERED FROM NEIGHBORS OR CO-WORKERS WOULD BE INCLUDED ON AN? APS C AGENT'S REPORT INSPECTION REPORT - CORRECT ANSWER: D INSPECTION REPORT WHICH OF THE FOLLOWING TYPES OF LIMITED POLICIES WOULD A COMMON CARRIER PURCHASE TO PROVIDE MEDICAL AND SURGICAL BENEFITS IN EXCESS OF ANY PRIMARY COVERAGE? ACCIDENTAL DEATH AND DISMEMBERMENT