1|Page
CT LIFE AND HEALTH INSURANCE EXAM WITH
CORRECT ACTUAL QUESTIONS AND CORRECTLY
WELL DEFINED ANSWERS LATEST 2025 ALREADY
GRADED A+
Laura added a children's rider to her life insurance policy. What type of coverage
was added? - (answers)Level term
With life insurance, the needs approach is used primarily in determining -
(answers)How much life insurance a client should apply for
A(n) __________ is a licensee who charges a fee for contracted insurance advisory
services. - (answers)Consultant
Jonas is covered with disability insurance through his employer. The employer
pays 75% of the premium, while Jonas pays the other 25%. What is Jonas' tax
liability for any benefits paid from the disability plan? - (answers)Taxes must be
paid on 75% of the benefits received
The Commissioner is empowered to perform each of the following acts EXCEPT -
(answers)Makes rules that are consistent with those of neighboring states
(Monitor insurer solvency, make rules and regulations that are consistent with the
laws of CT, monitor insurer premium rates)
,2|Page
How are the premiums for an individually-owned disability income policy treated
for tax purposes? - (answers)Not tax-deductible at all
Scott has a life insurance policy in which the dividends are left with the insurance
company. This particular policy may be paid up when the cash value plus
accumulated dividends - (answers)Equal the net single premium for the same face
amount at the insured's attained age
Which of these is NOT a standard provision in qualified long-term care policies
sold in Connecticut? - (answers)Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for
12 consecutive months)
Accident and health insurance claim handling is made more convenient to the
insured by utilizing - (answers)Assignment of benefits
Specialty care is provided by which of the following health maintenance
organization (HMO) providers? - (answers)Neurologist
Which of the following facilitates nonresident licensing in the state of
Connecticut? - (answers)Reciprocity agreement
,3|Page
To secure authority for soliciting insurance products in the State of Connecticut,
an insurance company must secure a certificate of authority from - (answers)The
Connecticut Insurance Commissioner
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
(answers)Summary of policy features and benefits
Any employee insured under a group life insurance plan is normally -
(answers)Covered with term life insurance
Which statement regarding whole life insurance is accurate? - (answers)Insurance
coverage can continue for life
All of these are considered to be a violation of the Federal Fraud and False
Statements Act EXCEPT - (answers)Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
A comprehensive major medical health insurance policy contains an Eligible
Expenses provision which identifies the types of health care services that are
covered. All of the following health care services are typically covered EXCEPT for
- (answers)Experimental and investigative services
(Hospital charges, physician fees, nursing services)
, 4|Page
An employee welfare plan exempt from ERISA regulations would be -
(answers)Church plans
Medicare Part B excess charges are covered by - (answers)Medicare Supplemental
insurance
A major medical expense policy typically does NOT - (answers)Pay surgeon fees
on a first-dollar basis
(Contain a deductible, have a high limit of coverage, contain a coinsurance
provision)
Mary has a Health Savings Account (HSA). Distributions that she has made for
anything other than qualified medical expenses are considered taxable and
subject to a penalty of - (answers)20%
Under an adjustable life insurance policy, which of the following may NOT be
changed without further underwriting? - (answers)The person insured
(The period of coverage, the payment period, the plan of coverage)
When a producer acts within the scope of his/her contractual authority, which of
the following is legally responsible for these actions? - (answers)The insurer
CT LIFE AND HEALTH INSURANCE EXAM WITH
CORRECT ACTUAL QUESTIONS AND CORRECTLY
WELL DEFINED ANSWERS LATEST 2025 ALREADY
GRADED A+
Laura added a children's rider to her life insurance policy. What type of coverage
was added? - (answers)Level term
With life insurance, the needs approach is used primarily in determining -
(answers)How much life insurance a client should apply for
A(n) __________ is a licensee who charges a fee for contracted insurance advisory
services. - (answers)Consultant
Jonas is covered with disability insurance through his employer. The employer
pays 75% of the premium, while Jonas pays the other 25%. What is Jonas' tax
liability for any benefits paid from the disability plan? - (answers)Taxes must be
paid on 75% of the benefits received
The Commissioner is empowered to perform each of the following acts EXCEPT -
(answers)Makes rules that are consistent with those of neighboring states
(Monitor insurer solvency, make rules and regulations that are consistent with the
laws of CT, monitor insurer premium rates)
,2|Page
How are the premiums for an individually-owned disability income policy treated
for tax purposes? - (answers)Not tax-deductible at all
Scott has a life insurance policy in which the dividends are left with the insurance
company. This particular policy may be paid up when the cash value plus
accumulated dividends - (answers)Equal the net single premium for the same face
amount at the insured's attained age
Which of these is NOT a standard provision in qualified long-term care policies
sold in Connecticut? - (answers)Prior hospitalization
(30-day free look period, guaranteed renewability, provide minimum coverage for
12 consecutive months)
Accident and health insurance claim handling is made more convenient to the
insured by utilizing - (answers)Assignment of benefits
Specialty care is provided by which of the following health maintenance
organization (HMO) providers? - (answers)Neurologist
Which of the following facilitates nonresident licensing in the state of
Connecticut? - (answers)Reciprocity agreement
,3|Page
To secure authority for soliciting insurance products in the State of Connecticut,
an insurance company must secure a certificate of authority from - (answers)The
Connecticut Insurance Commissioner
A group health certificate for coverage issued in Connecticut MUST contain a(n) -
(answers)Summary of policy features and benefits
Any employee insured under a group life insurance plan is normally -
(answers)Covered with term life insurance
Which statement regarding whole life insurance is accurate? - (answers)Insurance
coverage can continue for life
All of these are considered to be a violation of the Federal Fraud and False
Statements Act EXCEPT - (answers)Claims reimbursement
(Overvaluing land, abstracting funds, false entries on reports)
A comprehensive major medical health insurance policy contains an Eligible
Expenses provision which identifies the types of health care services that are
covered. All of the following health care services are typically covered EXCEPT for
- (answers)Experimental and investigative services
(Hospital charges, physician fees, nursing services)
, 4|Page
An employee welfare plan exempt from ERISA regulations would be -
(answers)Church plans
Medicare Part B excess charges are covered by - (answers)Medicare Supplemental
insurance
A major medical expense policy typically does NOT - (answers)Pay surgeon fees
on a first-dollar basis
(Contain a deductible, have a high limit of coverage, contain a coinsurance
provision)
Mary has a Health Savings Account (HSA). Distributions that she has made for
anything other than qualified medical expenses are considered taxable and
subject to a penalty of - (answers)20%
Under an adjustable life insurance policy, which of the following may NOT be
changed without further underwriting? - (answers)The person insured
(The period of coverage, the payment period, the plan of coverage)
When a producer acts within the scope of his/her contractual authority, which of
the following is legally responsible for these actions? - (answers)The insurer
