2025 PENNSYLVANIA STATE HEALTH AND LIFE INSURANCE
PRACTICE TEST EXAM QUESTIONS WITH ANSWERS GRADED A+
2025/2026
Payor benefits - Which of the following allows the insurer to relieve a minor insured from
premium payments if the minors parents have died or become disabled
income - A typical accidental death & dismemberment policy covers all of the following
losses except
All providers will have the same coverage - In reference to the standard medicare
supplement benefits plans, what does the term standard mean?
Insuring Clause - The section of the health policy that states the causes of eligible loss
under which an insured is assumed to be disabled is the
Express Authority - The authority granted to an agent through the agents contract is
referred to as
Producer - Which of the following licensees is classified as a representative of the
insurance company and not allowed to represent and insured or claimant?
Within 30 days - How soon after the due date should the insurer pay the agent
appointment fees?
They are tax deductible - How are employer contributions to health reimbursement
accounts treated in regards to taxation?
The owner must be the party to receive benefits - All of the following are true of an
annuity owner except
Dread Disease Policy - A policy which covers medical costs related to a specific
condition is called a
Target Premium - Which of the following would help prevent a universal life policy from
lapsing?
Implied - Which authority is not stated in an agents contract but is required for the agent
to conduct business?
Death Benefit - Which component increases in the increasing term insurance?
Cancellation - The act of voluntarily giving up insurance by the insured is called
Must appear as a separate paragraph and be clearly labeled - In a long-term care
policy, pre-existing condition limitations
, Coercion - Forcing a client to buy insurance from a particular lender as a condition of
granting a loan is defined as
Commissioner - Which of the following authorities is authorized to issue a temporary
insurance producers license?
it can be owned by individual employees - Which of the following is not true about a
group annuity?
Jumping Juvenile Policy - If a life insurance policy increases significantly in face amount
when the insured reaches a specified age, what type of policy is this?
Premiums are not tax deductible as business expenses - Which of the following is
correct concerning the taxation of premiums in a key-person life insurance policy?
Automatic Premium Loan - Which of the following protects the insured from an
unintentional policy lapse due to a nonpayment of premium?
A Contributory Plan - Jason is insured under his employers group health insurance. He
splits the cost of the premiums with his employer. This is an example of
the policy owner is entitled to policy loans - Which of the following statements is correct
regarding a whole life policy?
Any children born to them after the inception of the contract - Bob purchased a policy to
provide coverage on himself, his wife Linda, and their two children, John and Kristen. All
of the would need to prove insurability except.
Variable - An insured receives a monthly summary for his life insurance policy. He
notices that the cash value of the policy is significantly lower this month than it was last
month. What type of policy does the insured have?
30 Days - If an insurer terminates a producer, the insurer must notify the commissioner
within how many days?
Assets - In a replacement situation, all of the following must be consider except
Suggesting negotiations in settling the claim - All of the following are unfair claims
settlement practices except
When the benefits received are equal or less than the employees percentage of the
contribution - Under what condition are group disability income benefits received by an
employee NOT taxable as income
PRACTICE TEST EXAM QUESTIONS WITH ANSWERS GRADED A+
2025/2026
Payor benefits - Which of the following allows the insurer to relieve a minor insured from
premium payments if the minors parents have died or become disabled
income - A typical accidental death & dismemberment policy covers all of the following
losses except
All providers will have the same coverage - In reference to the standard medicare
supplement benefits plans, what does the term standard mean?
Insuring Clause - The section of the health policy that states the causes of eligible loss
under which an insured is assumed to be disabled is the
Express Authority - The authority granted to an agent through the agents contract is
referred to as
Producer - Which of the following licensees is classified as a representative of the
insurance company and not allowed to represent and insured or claimant?
Within 30 days - How soon after the due date should the insurer pay the agent
appointment fees?
They are tax deductible - How are employer contributions to health reimbursement
accounts treated in regards to taxation?
The owner must be the party to receive benefits - All of the following are true of an
annuity owner except
Dread Disease Policy - A policy which covers medical costs related to a specific
condition is called a
Target Premium - Which of the following would help prevent a universal life policy from
lapsing?
Implied - Which authority is not stated in an agents contract but is required for the agent
to conduct business?
Death Benefit - Which component increases in the increasing term insurance?
Cancellation - The act of voluntarily giving up insurance by the insured is called
Must appear as a separate paragraph and be clearly labeled - In a long-term care
policy, pre-existing condition limitations
, Coercion - Forcing a client to buy insurance from a particular lender as a condition of
granting a loan is defined as
Commissioner - Which of the following authorities is authorized to issue a temporary
insurance producers license?
it can be owned by individual employees - Which of the following is not true about a
group annuity?
Jumping Juvenile Policy - If a life insurance policy increases significantly in face amount
when the insured reaches a specified age, what type of policy is this?
Premiums are not tax deductible as business expenses - Which of the following is
correct concerning the taxation of premiums in a key-person life insurance policy?
Automatic Premium Loan - Which of the following protects the insured from an
unintentional policy lapse due to a nonpayment of premium?
A Contributory Plan - Jason is insured under his employers group health insurance. He
splits the cost of the premiums with his employer. This is an example of
the policy owner is entitled to policy loans - Which of the following statements is correct
regarding a whole life policy?
Any children born to them after the inception of the contract - Bob purchased a policy to
provide coverage on himself, his wife Linda, and their two children, John and Kristen. All
of the would need to prove insurability except.
Variable - An insured receives a monthly summary for his life insurance policy. He
notices that the cash value of the policy is significantly lower this month than it was last
month. What type of policy does the insured have?
30 Days - If an insurer terminates a producer, the insurer must notify the commissioner
within how many days?
Assets - In a replacement situation, all of the following must be consider except
Suggesting negotiations in settling the claim - All of the following are unfair claims
settlement practices except
When the benefits received are equal or less than the employees percentage of the
contribution - Under what condition are group disability income benefits received by an
employee NOT taxable as income
