IDAHO LIFE AND HEALTH
FINAL EXAM QUESTIONS AND
K
C
CORRECT VERIFIED
LO
ANSWERS 100% GUARANTEED
PASS A+ GRADED
YC
D
U
ST
, What are the benefits that must be provided by an individual health insurance policy for
prenatal, maternity, and delivery expenses? - ANS Prenatal, maternity, and delivery expenses
are required to be covered under all health plans subject to the same deductible and
coinsurance as other medical and surgical expenses.
Which situation would qualify an individual for receiving benefits from a qualified long-term care
policy? - ANS Becoming cognitively impaired (mentally ill)
How many days is the grace period for payment of premiums in individual life insurance
policies? - ANS 30
K
According to the Idaho Insurance Code, which of the following MUSt a producer do when
replacing a Life Insurance policy? - ANS Submit to the replacing insurer a list of all Life
C
Insurance policies or annuity contracts proposed to be replaced.
A hospital or medical expenses policy will typically cover dental treatment expenses under
LO
which circumstance? - ANS Dental treatment is needed to repair an injury.
An insured and the policy's beneficiary die from the same accident. The common disaster
provision states the insurer will continue as if - ANS The insured outlived the beneficiary.
YC
A closed network plan offers a primary physical copay of $25. If a subscriber chooses a primary
care physician outside of the network, the subscriber will likely pay - ANS 100% of the
allowed amount.
In what part of an insurance policy are policy benefits found? - ANS Declarations. The
Declaration page is like a quick guide to in insurance policy, providing all of the basic information
D
the policy holder needs to know.
Which of the following is NOT included in an entire contract provision? - ANS Changes made
U
by the producer.
A producer's fiduciary responsibility includes which of the following activities? - ANS Being
ST
responsible for all funds collected from clients.
Which part of the following does Medicare Part D cover? - ANS Prescription drugs.
Which of the following would be considered an underwriting duty of an agent? - ANS
Completing all applications and collecting initial premiums.
Which of the following is not considered advertising? - ANS A rating from a rating service
such as A.M Best.
FINAL EXAM QUESTIONS AND
K
C
CORRECT VERIFIED
LO
ANSWERS 100% GUARANTEED
PASS A+ GRADED
YC
D
U
ST
, What are the benefits that must be provided by an individual health insurance policy for
prenatal, maternity, and delivery expenses? - ANS Prenatal, maternity, and delivery expenses
are required to be covered under all health plans subject to the same deductible and
coinsurance as other medical and surgical expenses.
Which situation would qualify an individual for receiving benefits from a qualified long-term care
policy? - ANS Becoming cognitively impaired (mentally ill)
How many days is the grace period for payment of premiums in individual life insurance
policies? - ANS 30
K
According to the Idaho Insurance Code, which of the following MUSt a producer do when
replacing a Life Insurance policy? - ANS Submit to the replacing insurer a list of all Life
C
Insurance policies or annuity contracts proposed to be replaced.
A hospital or medical expenses policy will typically cover dental treatment expenses under
LO
which circumstance? - ANS Dental treatment is needed to repair an injury.
An insured and the policy's beneficiary die from the same accident. The common disaster
provision states the insurer will continue as if - ANS The insured outlived the beneficiary.
YC
A closed network plan offers a primary physical copay of $25. If a subscriber chooses a primary
care physician outside of the network, the subscriber will likely pay - ANS 100% of the
allowed amount.
In what part of an insurance policy are policy benefits found? - ANS Declarations. The
Declaration page is like a quick guide to in insurance policy, providing all of the basic information
D
the policy holder needs to know.
Which of the following is NOT included in an entire contract provision? - ANS Changes made
U
by the producer.
A producer's fiduciary responsibility includes which of the following activities? - ANS Being
ST
responsible for all funds collected from clients.
Which part of the following does Medicare Part D cover? - ANS Prescription drugs.
Which of the following would be considered an underwriting duty of an agent? - ANS
Completing all applications and collecting initial premiums.
Which of the following is not considered advertising? - ANS A rating from a rating service
such as A.M Best.
