GEORGIA LIFE AND HEALTH INSURANCE EXAM LATEST 2025
WITH ACTUAL QUESTIONS AND CORRECT VERIFIED
ANSWERS ALREADY GRADED A+ 100% GUARANTEED PASS!
Accident - CORRECT ANSWER-An unplanned unforseen event which occurs
suddenly at an unspecified place
Accident insurance - CORRECT ANSWER-A type of insurance that protects the
insured against loss due to an accidental bodily injury
Accidental bodily injury - CORRECT ANSWER-Unplanned unforseen traumatic
injury to the body
Accidental Death and Dismemberment - CORRECT ANSWER-An insurance
policy which pays a specified number or specified multiple of the insurer's
benefit if the insured dies, loses his/her sight, or loses two limbs due to an
accident.
Acquired Immunodeficiency Symdrome - CORRECT ANSWER-An infectious
and incurable disease caused by the human immunodeficiency virus (hiv)
Activities of daily living - CORRECT ANSWER-Activities individuals must do
every day such as moving about, getting dressed, eating, bathing, etc.
,Actual charge - CORRECT ANSWER-The amount a physician or supplier
actually bills for a particular service or supply.
Adhesion - CORRECT ANSWER-A contract offered on a "take it or leave it"
basis by an insured, in which the insured's only option is to accept or reject the
contract. Any ambiguities in the contract will be settled in favor of the imsured.
Admitted (Authorized) Insurer - CORRECT ANSWER-An insurance company
authorized and licensed to transact business in a particular state.
Adult Day Care - CORRECT ANSWER-A program for impaired adults that
attempts to meet their health, social, and functional needs in a setting away
from their homes.
Adverse Selection - CORRECT ANSWER-The tendency of risks witha higher
probability of loss to purchase and maintain insurance more often than the
risks who present lower probability
Agent - CORRECT ANSWER-An individual who is licensed to sell, negotiate, or
effect insurance contracts on behalf of an insurer.
Aleatory - CORRECT ANSWER-A contract in which participating parties
exchange unequal amounts. Insurance contracts are aleatory in that the
amount the insured will pay in premiums is unequal to the amount the insurer
will pay in the event of a loss.
Alien Insurer - CORRECT ANSWER-An insurance company that is incorporated
outside the United States.
, Alzheimer's Disease - CORRECT ANSWER-A disease that causes the victim to
become dysfunctional due to degeneration of brain cells and severe memory
loss.
Ancillary - CORRECT ANSWER-Additional, miscellaneous services provided by
a hospital, such as x-rays, anesthesia, and lab work, but not hospital room and
board expenses.
Apparent Authority - CORRECT ANSWER-The appearance or the assumption
of authority based on the actions, words, or deeds of the principal or because
of circumstances the principal created.
Approved Amount - CORRECT ANSWER-The amount Medicare determines to
be reasonable for a service that is covered under part B of Medicare.
Assignment - CORRECT ANSWER-A claim to a provider or medical supplier to
receive payments directly from Medicare.
Attained Age - CORRECT ANSWER-The age of the insured at a determined
date.
Attending Physician Statement (APS) - CORRECT ANSWER-A statement
usually obtained from the applicant's doctor.
Avoidance - CORRECT ANSWER-A method of dealing with risk (e.g. if a person
wanted to avoid the risk of being killed in an airplane crash, he/she might
choose never to fly in a plane).
WITH ACTUAL QUESTIONS AND CORRECT VERIFIED
ANSWERS ALREADY GRADED A+ 100% GUARANTEED PASS!
Accident - CORRECT ANSWER-An unplanned unforseen event which occurs
suddenly at an unspecified place
Accident insurance - CORRECT ANSWER-A type of insurance that protects the
insured against loss due to an accidental bodily injury
Accidental bodily injury - CORRECT ANSWER-Unplanned unforseen traumatic
injury to the body
Accidental Death and Dismemberment - CORRECT ANSWER-An insurance
policy which pays a specified number or specified multiple of the insurer's
benefit if the insured dies, loses his/her sight, or loses two limbs due to an
accident.
Acquired Immunodeficiency Symdrome - CORRECT ANSWER-An infectious
and incurable disease caused by the human immunodeficiency virus (hiv)
Activities of daily living - CORRECT ANSWER-Activities individuals must do
every day such as moving about, getting dressed, eating, bathing, etc.
,Actual charge - CORRECT ANSWER-The amount a physician or supplier
actually bills for a particular service or supply.
Adhesion - CORRECT ANSWER-A contract offered on a "take it or leave it"
basis by an insured, in which the insured's only option is to accept or reject the
contract. Any ambiguities in the contract will be settled in favor of the imsured.
Admitted (Authorized) Insurer - CORRECT ANSWER-An insurance company
authorized and licensed to transact business in a particular state.
Adult Day Care - CORRECT ANSWER-A program for impaired adults that
attempts to meet their health, social, and functional needs in a setting away
from their homes.
Adverse Selection - CORRECT ANSWER-The tendency of risks witha higher
probability of loss to purchase and maintain insurance more often than the
risks who present lower probability
Agent - CORRECT ANSWER-An individual who is licensed to sell, negotiate, or
effect insurance contracts on behalf of an insurer.
Aleatory - CORRECT ANSWER-A contract in which participating parties
exchange unequal amounts. Insurance contracts are aleatory in that the
amount the insured will pay in premiums is unequal to the amount the insurer
will pay in the event of a loss.
Alien Insurer - CORRECT ANSWER-An insurance company that is incorporated
outside the United States.
, Alzheimer's Disease - CORRECT ANSWER-A disease that causes the victim to
become dysfunctional due to degeneration of brain cells and severe memory
loss.
Ancillary - CORRECT ANSWER-Additional, miscellaneous services provided by
a hospital, such as x-rays, anesthesia, and lab work, but not hospital room and
board expenses.
Apparent Authority - CORRECT ANSWER-The appearance or the assumption
of authority based on the actions, words, or deeds of the principal or because
of circumstances the principal created.
Approved Amount - CORRECT ANSWER-The amount Medicare determines to
be reasonable for a service that is covered under part B of Medicare.
Assignment - CORRECT ANSWER-A claim to a provider or medical supplier to
receive payments directly from Medicare.
Attained Age - CORRECT ANSWER-The age of the insured at a determined
date.
Attending Physician Statement (APS) - CORRECT ANSWER-A statement
usually obtained from the applicant's doctor.
Avoidance - CORRECT ANSWER-A method of dealing with risk (e.g. if a person
wanted to avoid the risk of being killed in an airplane crash, he/she might
choose never to fly in a plane).
