GEORGIA LIFE AND HEALTH INSURANCE EXAM 2025 LATEST TEST
BANK WITH 250 EXAM PREP QUESTIONS AND CORRECT ANSWERS/
GA LIFE & HEALTH INSURANCE TEST 2025 (NEWEST!)
An unplanned, unforseen event which occurs suddenly at an unspecified time and place is a(n): -
ANSWER-Accident
A type of insurance that protects the insured against loss due to an accidental bodily injury is: -
ANSWER-Accident Insurance
An unplanned, unforseen traumatic injury to the body is a(n): - ANSWER-Accidental Bodily Injury
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: - ANSWER-Accidental
Death and Dismemberment
Additional, miscellaneous services provided by a hospital, such as x-rays, anesthesia, and lab work,
but not hospital room and board expenses. - ANSWER-Ancillary
The appearance or the assumption of authority based on the actions, words, or deeds of the
principal or because of circumstances the principal created. - ANSWER-Apparent Authority
The amount Medicare determines to be reasonable for a service that is covered under part B of
Medicare. - ANSWER-Approved Amount
A claim to a provider or medical supplier to receive payments directly from Medicare. - ANSWER-
Assignment
The age of the insured at a determined date. - ANSWER-Attained Age
A statement usually obtained from the applicant's doctor. - ANSWER-Attending Physician
Statement (APS)
,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). - ANSWER-Avoidance
Coverage that provides benefits for room, board and miscellaneous hospital expenses for a certain
number of days during a hospital stay. - ANSWER-Basic Hospital Expense Insurance
Coverage for doctor visits, x-rays, lab tests, and emergency room visits; benefits, however, are limited
to specified dollar amounts. - ANSWER-Basic Medical Expense Insurance
The person who receives the proceeds from the policy when the insured dies. - ANSWER-
Beneficiary
The length of time over which the insurance benefits will be paid for each illness, disability, or
hospital stay - ANSWER-Benefit Period
The method of determining primary coverage for a dependent child, under which the plan of the
parent whose birthday occurs first in the calendar year is designated as primary. - ANSWER-
Birthday Rule
An unfair trade practice in which one person refuses to do business with another until he or she
agrees to certain comditioms. - ANSWER-Boycott
A policy that provides benefits for all medical costs, including doctor visits, hospitalization, and drugs.
- ANSWER-Blanket Medical Insurance
A booklet that describes insurance policies and concepts, and provides general information to help
an applicant make an informed decision. - ANSWER-Buyers Guide
A selection of health care benefits from which an employee may choose the ones that he/she needs.
- ANSWER-Cafeteria Plan
, A percentage of the principal amount of a policy paid to the insured if he/she suffered the loss of an
appendage. - ANSWER-Capital Amount
Organizations that process claims and pay benefits in an insurance policy - ANSWER-Carriers
A demand of a person to stop committing an action that is in violation of a provision. - ANSWER-
Cease and Desist Order
A document that authorizes a company to start conducting business and specifies the kind(s) of
insurance a company can transact. It is illegal for an insurance company to transact insurance
without this certificate. - ANSWER-Certificate Authority
A written document that indicates that an insurance policy has been issued, and that states both the
amounts and types of insurance provided. - ANSWER-Certificate of Insurance
A request for payment of the benefits provided by an insurance contract. - ANSWER-Claim
An unfair trade practice in which an insurer uses physical or mental force to persuade an applicant to
buy insurance. - ANSWER-Coercion
An agreement between an insurer and insured in which both parties are expected to pay a certain
portion of the potential loss and other expenses. - ANSWER-Coinsurance
A provision that states that the insurer and the insured will share the losses covered by the policy in
a proportion agreed upon in advance. - ANSWER-Coinsurance clause
The chief executive and administrative officer of the insurance department - ANSWER-
Commissioner
A plan that provides a package of health care services, including preventive care, routine physicals,
immunization, outpatient services and hospitalization. - ANSWER-Comprehensive policy
BANK WITH 250 EXAM PREP QUESTIONS AND CORRECT ANSWERS/
GA LIFE & HEALTH INSURANCE TEST 2025 (NEWEST!)
An unplanned, unforseen event which occurs suddenly at an unspecified time and place is a(n): -
ANSWER-Accident
A type of insurance that protects the insured against loss due to an accidental bodily injury is: -
ANSWER-Accident Insurance
An unplanned, unforseen traumatic injury to the body is a(n): - ANSWER-Accidental Bodily Injury
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: - ANSWER-Accidental
Death and Dismemberment
Additional, miscellaneous services provided by a hospital, such as x-rays, anesthesia, and lab work,
but not hospital room and board expenses. - ANSWER-Ancillary
The appearance or the assumption of authority based on the actions, words, or deeds of the
principal or because of circumstances the principal created. - ANSWER-Apparent Authority
The amount Medicare determines to be reasonable for a service that is covered under part B of
Medicare. - ANSWER-Approved Amount
A claim to a provider or medical supplier to receive payments directly from Medicare. - ANSWER-
Assignment
The age of the insured at a determined date. - ANSWER-Attained Age
A statement usually obtained from the applicant's doctor. - ANSWER-Attending Physician
Statement (APS)
,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). - ANSWER-Avoidance
Coverage that provides benefits for room, board and miscellaneous hospital expenses for a certain
number of days during a hospital stay. - ANSWER-Basic Hospital Expense Insurance
Coverage for doctor visits, x-rays, lab tests, and emergency room visits; benefits, however, are limited
to specified dollar amounts. - ANSWER-Basic Medical Expense Insurance
The person who receives the proceeds from the policy when the insured dies. - ANSWER-
Beneficiary
The length of time over which the insurance benefits will be paid for each illness, disability, or
hospital stay - ANSWER-Benefit Period
The method of determining primary coverage for a dependent child, under which the plan of the
parent whose birthday occurs first in the calendar year is designated as primary. - ANSWER-
Birthday Rule
An unfair trade practice in which one person refuses to do business with another until he or she
agrees to certain comditioms. - ANSWER-Boycott
A policy that provides benefits for all medical costs, including doctor visits, hospitalization, and drugs.
- ANSWER-Blanket Medical Insurance
A booklet that describes insurance policies and concepts, and provides general information to help
an applicant make an informed decision. - ANSWER-Buyers Guide
A selection of health care benefits from which an employee may choose the ones that he/she needs.
- ANSWER-Cafeteria Plan
, A percentage of the principal amount of a policy paid to the insured if he/she suffered the loss of an
appendage. - ANSWER-Capital Amount
Organizations that process claims and pay benefits in an insurance policy - ANSWER-Carriers
A demand of a person to stop committing an action that is in violation of a provision. - ANSWER-
Cease and Desist Order
A document that authorizes a company to start conducting business and specifies the kind(s) of
insurance a company can transact. It is illegal for an insurance company to transact insurance
without this certificate. - ANSWER-Certificate Authority
A written document that indicates that an insurance policy has been issued, and that states both the
amounts and types of insurance provided. - ANSWER-Certificate of Insurance
A request for payment of the benefits provided by an insurance contract. - ANSWER-Claim
An unfair trade practice in which an insurer uses physical or mental force to persuade an applicant to
buy insurance. - ANSWER-Coercion
An agreement between an insurer and insured in which both parties are expected to pay a certain
portion of the potential loss and other expenses. - ANSWER-Coinsurance
A provision that states that the insurer and the insured will share the losses covered by the policy in
a proportion agreed upon in advance. - ANSWER-Coinsurance clause
The chief executive and administrative officer of the insurance department - ANSWER-
Commissioner
A plan that provides a package of health care services, including preventive care, routine physicals,
immunization, outpatient services and hospitalization. - ANSWER-Comprehensive policy
