©THESTAR 2024/2025 ALL RIGHTS RESERVED 9:50PM. A+
Pennsylvania State Health and Life Insurance
Exam Questions With Correct Answers 100%
Verified.
Plan A - Answer✔Which of the following must be present in all medicare supplement plans?
National Do not call registry - Answer✔What was created to keep telemarketers from calling
consumers who do not wish to be contacted?
Indemnity - Answer✔Which insurance principle states that if a policy allows for greater
compensation than the financial loss incurred, the insured may only receive benefits for the
amount lost?
Calls based from outside the United States - Answer✔Which of the following would not be
considered an expectation to the national do not call list?
A mutual insurer - Answer✔Insurance companies may be classified according to the legal form
of their ownership. The type of company organized to return any surplus money to their
policyholders is
Iron - Answer✔Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act?
Prior to the time of application - Answer✔A long-term care shoppers guide must be presented
at what point
Medicare - Answer✔Which of the following programs is made up of 4 parts, where the first part
is paid for by FICA, and the second part is financed by premiums and payroll taxes?
Be responsible for at least 25% of total commissions collected by the office that he or she
manages - Answer✔A person applying for a manager or exclusive general agent license must
meet all of the following criteria EXCEPT
Sickness - Answer✔Which of the following is an example of a peril covered in an accident and
health insurance policy?
1
, ©THESTAR 2024/2025 ALL RIGHTS RESERVED 9:50PM. A+
Extended Term - Answer✔Which nonforfeiture option has the highest amount of insurance
protection?
Sudden and Unforeseen - Answer✔A person steps off a streetcar and trips and breaks his ankle.
This type of injury can be described as
Separate Accounts - Answer✔A domestic insurer issuing variable contracts must establish one
or more
Issuing sales material that are exaggerated - Answer✔Which of the following best describes a
misrepresentations?
Making derogatory oral statements about another's financial conditions - Answer✔Which of
the following best describes the unfair trade practice of defamation?
Control Specialists costs - Answer✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - Answer✔Which of the following is not true regarding
the accumulation period of an annuity
Antibiotics - Answer✔Which of the following hospice expenses would not be covered in a cost-
containment setting?
Predicted needs of the family after the insured's death - Answer✔Based on Human Life Value
Approach, which of the following is not used to calculate an individual's value of life?
Ownership - Answer✔What is the major difference between a stock company and mutual
company
Bail-out - Answer✔Which of the following provisions in annuity contracts allow the owner to te
surrender the annuity if interests rates drop to a specified level.
Monthly - Answer✔Under an individual disability policy, the MINIMUM schedule of time in
which claim payments must me made to an insured is
Consideration Clause - Answer✔An Applicant for an individual Health policy failed to complete
the application properly. Her stay at the hospital was not covered by insurance because she has
not met the conditions specified in the...
Copy of the original application - Answer✔According to the entire contract provision, what
document must be made part of the insurance policy?
90 Days - Answer✔Most policies will pay the accident death benefits as long as the death is
caused by the accident and occurs within
2
Pennsylvania State Health and Life Insurance
Exam Questions With Correct Answers 100%
Verified.
Plan A - Answer✔Which of the following must be present in all medicare supplement plans?
National Do not call registry - Answer✔What was created to keep telemarketers from calling
consumers who do not wish to be contacted?
Indemnity - Answer✔Which insurance principle states that if a policy allows for greater
compensation than the financial loss incurred, the insured may only receive benefits for the
amount lost?
Calls based from outside the United States - Answer✔Which of the following would not be
considered an expectation to the national do not call list?
A mutual insurer - Answer✔Insurance companies may be classified according to the legal form
of their ownership. The type of company organized to return any surplus money to their
policyholders is
Iron - Answer✔Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act?
Prior to the time of application - Answer✔A long-term care shoppers guide must be presented
at what point
Medicare - Answer✔Which of the following programs is made up of 4 parts, where the first part
is paid for by FICA, and the second part is financed by premiums and payroll taxes?
Be responsible for at least 25% of total commissions collected by the office that he or she
manages - Answer✔A person applying for a manager or exclusive general agent license must
meet all of the following criteria EXCEPT
Sickness - Answer✔Which of the following is an example of a peril covered in an accident and
health insurance policy?
1
, ©THESTAR 2024/2025 ALL RIGHTS RESERVED 9:50PM. A+
Extended Term - Answer✔Which nonforfeiture option has the highest amount of insurance
protection?
Sudden and Unforeseen - Answer✔A person steps off a streetcar and trips and breaks his ankle.
This type of injury can be described as
Separate Accounts - Answer✔A domestic insurer issuing variable contracts must establish one
or more
Issuing sales material that are exaggerated - Answer✔Which of the following best describes a
misrepresentations?
Making derogatory oral statements about another's financial conditions - Answer✔Which of
the following best describes the unfair trade practice of defamation?
Control Specialists costs - Answer✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - Answer✔Which of the following is not true regarding
the accumulation period of an annuity
Antibiotics - Answer✔Which of the following hospice expenses would not be covered in a cost-
containment setting?
Predicted needs of the family after the insured's death - Answer✔Based on Human Life Value
Approach, which of the following is not used to calculate an individual's value of life?
Ownership - Answer✔What is the major difference between a stock company and mutual
company
Bail-out - Answer✔Which of the following provisions in annuity contracts allow the owner to te
surrender the annuity if interests rates drop to a specified level.
Monthly - Answer✔Under an individual disability policy, the MINIMUM schedule of time in
which claim payments must me made to an insured is
Consideration Clause - Answer✔An Applicant for an individual Health policy failed to complete
the application properly. Her stay at the hospital was not covered by insurance because she has
not met the conditions specified in the...
Copy of the original application - Answer✔According to the entire contract provision, what
document must be made part of the insurance policy?
90 Days - Answer✔Most policies will pay the accident death benefits as long as the death is
caused by the accident and occurs within
2
