2025 PENNSYLVANIA STATE HEALTH AND LIFE INSURANCE FINAL
EXAM QUESTIONS WITH ANSWERS GRADED A+ 2025/2026
20% - Which of the following must the patient pay under Medicare Part B
20 days - Following hospitalization because of an accident, Bill was confined in a skilled
nursing facility. Medicare will pay full benefits in this facility for how many days?
Producers report - The insurance company underwriter could find information
concerning the personal activities and character of an applicant from which of the
following reports?
24 Credit Hours - Prior to license renewal, all insurance producers must successfully
complete a minimum of
The insurer can increase the policy premium on an individual basis - Which of the
following is not a feature of a guaranteed renewable provision?
The commissioner - Which of the following entities must approve all continuing
education courses in the state?
The insurer - An insurance advertisement exaggerates the benefits of an insurance
policy, due to human error at the insurers advertising agency. Who will the department
of Insurance hold accountable for the exaggeration?
Cease and Desist - When the commissioner suspects a person is violating an insurance
law or other regulation...
Automatic Enrollment - Which of the following is not an enrollment period for medicare
part a applicants?
Policy Owner - Which of the following individuals must have insurable interest in the
insured?
24 hours this reporting period. 24 the period following. 4 hours lost - A producer has
successfully completed 52 hours of CE. How many CE will go towards this upcoming
reporting period?
Whether and insurable interest exists between the individuals. - If an applicant for a life
insurance policy and person to be insured by the policy are two different people, the
underwriter would be concerned about
It provides income the beneficiary can't outlive - Which of the following is true regarding
a single life settlement option?
The licensee - If another governmental agency takes legal action against a licensee,
whose responsibility is it to report the action?
, It will pay double or triple the face amount. - Which of the following statements is TRUE
concerning the accidental death rider?
Unfair claims methods and practices regulation - Should an insurance company deny a
claim submitted by and insured without providing to that insured a prompt reason...
Hazards - Events or conditions that increase the chances of an insured loss occurring
are referred to as
5 years - In order to qualify for conversation from a group life policy that has been
terminated to an individual policy of the same coverage, a person must have been
insured under the group plan for how many years?
Forwarding premiums to the insurer - Which of the following is an example of an agent's
fiduciary responsibilities?
Perils - The clause of loss insured against in an insurance policy are known as
8am until 9pm - According to the telemarketing sales rules, what are the permissible
calling hours for telemarketing calls?
an individual who was previously covered by group health insurance for 6 months is
eligible - Under HIPAA, which of the following is incorrect regarding eligibility
requirements for conversion to an individual policy?
They are exempt as long as they are on active duty, and for 6 months afterwards - A
licensee serving in the military is unable to fulfill her continuing education requirement.
What would the licensee have to do to renew the license?
The employer is the policy holder - Which of the following statements concerning group
health insurance is correct?
it can protect the policy proceeds from creditors of the beneficiary - Which of the
following is true regarding the spendthrift clause in life insurance policies?
Comprehensive - Combination plans are composed of two types of plan features: Basic
and...
Immediately - A health Insurance policy lapses but is reinstated within an acceptable
time frame. How soon from the reinstatement date will coverage for accidents become
effective?
Fair Credit reporting act - An applicant is denied insurance because of information found
on a consumer reports...
EXAM QUESTIONS WITH ANSWERS GRADED A+ 2025/2026
20% - Which of the following must the patient pay under Medicare Part B
20 days - Following hospitalization because of an accident, Bill was confined in a skilled
nursing facility. Medicare will pay full benefits in this facility for how many days?
Producers report - The insurance company underwriter could find information
concerning the personal activities and character of an applicant from which of the
following reports?
24 Credit Hours - Prior to license renewal, all insurance producers must successfully
complete a minimum of
The insurer can increase the policy premium on an individual basis - Which of the
following is not a feature of a guaranteed renewable provision?
The commissioner - Which of the following entities must approve all continuing
education courses in the state?
The insurer - An insurance advertisement exaggerates the benefits of an insurance
policy, due to human error at the insurers advertising agency. Who will the department
of Insurance hold accountable for the exaggeration?
Cease and Desist - When the commissioner suspects a person is violating an insurance
law or other regulation...
Automatic Enrollment - Which of the following is not an enrollment period for medicare
part a applicants?
Policy Owner - Which of the following individuals must have insurable interest in the
insured?
24 hours this reporting period. 24 the period following. 4 hours lost - A producer has
successfully completed 52 hours of CE. How many CE will go towards this upcoming
reporting period?
Whether and insurable interest exists between the individuals. - If an applicant for a life
insurance policy and person to be insured by the policy are two different people, the
underwriter would be concerned about
It provides income the beneficiary can't outlive - Which of the following is true regarding
a single life settlement option?
The licensee - If another governmental agency takes legal action against a licensee,
whose responsibility is it to report the action?
, It will pay double or triple the face amount. - Which of the following statements is TRUE
concerning the accidental death rider?
Unfair claims methods and practices regulation - Should an insurance company deny a
claim submitted by and insured without providing to that insured a prompt reason...
Hazards - Events or conditions that increase the chances of an insured loss occurring
are referred to as
5 years - In order to qualify for conversation from a group life policy that has been
terminated to an individual policy of the same coverage, a person must have been
insured under the group plan for how many years?
Forwarding premiums to the insurer - Which of the following is an example of an agent's
fiduciary responsibilities?
Perils - The clause of loss insured against in an insurance policy are known as
8am until 9pm - According to the telemarketing sales rules, what are the permissible
calling hours for telemarketing calls?
an individual who was previously covered by group health insurance for 6 months is
eligible - Under HIPAA, which of the following is incorrect regarding eligibility
requirements for conversion to an individual policy?
They are exempt as long as they are on active duty, and for 6 months afterwards - A
licensee serving in the military is unable to fulfill her continuing education requirement.
What would the licensee have to do to renew the license?
The employer is the policy holder - Which of the following statements concerning group
health insurance is correct?
it can protect the policy proceeds from creditors of the beneficiary - Which of the
following is true regarding the spendthrift clause in life insurance policies?
Comprehensive - Combination plans are composed of two types of plan features: Basic
and...
Immediately - A health Insurance policy lapses but is reinstated within an acceptable
time frame. How soon from the reinstatement date will coverage for accidents become
effective?
Fair Credit reporting act - An applicant is denied insurance because of information found
on a consumer reports...
