Kentucky Health Insurance Exam |Actual Questions with Verified Answers| 100% Correct |Latest 2025/2026 Update.

Kentucky Health Insurance Exam |Actual i,- i,- i,- i,- i,-




Questions with Verified Answers| 100% i,- i,- i,- i,- i,-




Correct |Latest 2025/2026 Update. i,- i,- i,-




The full premium was submitted with the application for life
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insurance, and the policy was issued two weeks later as
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requested. When does the policy become effective? A. as of the
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application date i,-




B. As of the policy delivery date
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C. As of the first of the month after the policy issue date
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D. As of the policy issue date
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All of the following are true about group disability income
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insurance EXCEPT: A. The waiting period starts at the onset of the
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injury or sickness. i,- i,-




B. The longer the waiting period, the lower the premium.
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C. Coverage applies both on and off the job.
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D. Benefits are usually short term.
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on and off the job.
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Under the age discrimination in employment act, if the obligation
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of the employer to provide retiree health benefits, what will an
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,individual younger than 65 receive in benefits each year? A. one-
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fourth of the benefits required under the social security act. B. at
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least 10,000. C. At least the value of the Social Security Benefits.
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D. The minimum established by the employer
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value of the Social Security benefits
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Disability income policies can provide coverage for a loss of
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income when returning to work only part-time after recovering
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from total disability. What is the benefit that is based on the
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insured's loss of earnings after recovery from a disability? A.
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recurrent disability B. partial disability C. income replacement D.
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Residual disability D. Residual disability
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A producer is acting in what capacity when he or she is trying to
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obtain credible information about an applicant for health
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insurance? A. office underwriter B. General agent C. Consumer i,- i,- i,- i,- i,- i,- i,- i,- i,-



report investigator D. Field underwriter
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Which of the following riders would NOT increase the premium
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for a policyowner? A. impairment rider B. payor benefit rider C.
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Waiver of premium rider D. Multiple indemnity rider
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impairment rider i,-




An insured wants to name her husband as the beneficiary of her
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health policy. She also wishes to retain all of the rights of
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, ownership. The insured should have her husband named as what i,- i,- i,- i,- i,- i,- i,- i,- i,- i,-



type of beneficiary? A. Contingent B. Irrevocable C. Revocable D.
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Primary C. Revocable i,-i,- i,- i,-




Guarantee of insurability option in long-term care policies allows
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the insured to: A. Secure the policy's nonforfeiture values
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regardless of the insured's age or health status. A. Secure the
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policy's value regardless of the insured's age or health status. B.
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Increase benefit levels without providing proof of insurability. C.
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Add dependents to the plan without providing proof of their
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insurability. D. Replace the existing LTC policy based on the i,- i,- i,- i,- i,- i,- i,- i,- i,- i,-



original underwriting. B. Increase benefit levels without
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providing proof of insurability. i,- i,- i,-




What is the maximum age for qualifying for a catastrophic plan?
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A. 26 B. 30 C. 45 D. 62
i,- B. 30
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Which type of dental care would cover operative treatment of the
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mouth? A. Endodontics B. Orthodontics C. Oral surgery D.
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Restoratvie C. Oral surgery i,-i,- i,- i,- i,-




Under a key person disability income policy, premium payments...
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A. Are made by the business and are tax-deductible B. Are made
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by the business and are not tax deductible. C. Are made by the
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employee and are not tax deductible D. Are made by the
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