Insurance Adjuster Test Questions with
correct Answers 2025/2026 A+ Graded.
Which type of coverage relates to damage to or destruction of detached structures in a typical
homeowners policy?
Coverage B
Coverage A
Coverage D
Coverage C - ANS-Cov B
The unfair trade practice of offering inducements for the purchase of insurance is called?
controlled business
rebating
misrepresentation
false advertising - ANS-rebating
In which type of group life insurance policy may the holder allocate the net premiums to one or
more of several investment accounts?
Group variable universal life insurance
Group universal life insurance
Comprehensive long-term care insurance
Yearly renewable term insurance - ANS-Group variable universal life insurance
Which of the following distinguishes the conditions of the standard business owners' policy from
those of the standard commercial package policy?
The standard commercial package policy extends automatic business income and peak season
coverage
, The standard business owners' property coverage form is different than the building property
coverage form
Many of the coverages that are automatic for the standard business owners' policy are optional
for the standard commercial package policy
Many of the coverage's that are automatic for the standard commercial package policy are
optional for the standard business owners' policy - ANS-Many of the coverage's that are
automatic for the standard business owners' policy are optional for the standard commercial
package policy
How much of a property must be unoccupied for it to be defined as vacant by the standard
commercial property policy?
40 percent
25 percent
30 percent
50 percent - ANS-30 percent
With regard to homeowners insurance, business is defined as any activity that has?
Both revenue and continuity.
continuity
revenue
Neither revenue nor continuity - ANS-Both revenue and continuity.
An expense plan that indicates an employer will reduce benefits for persons over the age of 65
to the extent that they are payable under Medicare for the same expense is known as a?
Medicare secondary rule
Medicare supplement
Medicare carve-out
maturity value benefit - ANS-Medicare carve-out
correct Answers 2025/2026 A+ Graded.
Which type of coverage relates to damage to or destruction of detached structures in a typical
homeowners policy?
Coverage B
Coverage A
Coverage D
Coverage C - ANS-Cov B
The unfair trade practice of offering inducements for the purchase of insurance is called?
controlled business
rebating
misrepresentation
false advertising - ANS-rebating
In which type of group life insurance policy may the holder allocate the net premiums to one or
more of several investment accounts?
Group variable universal life insurance
Group universal life insurance
Comprehensive long-term care insurance
Yearly renewable term insurance - ANS-Group variable universal life insurance
Which of the following distinguishes the conditions of the standard business owners' policy from
those of the standard commercial package policy?
The standard commercial package policy extends automatic business income and peak season
coverage
, The standard business owners' property coverage form is different than the building property
coverage form
Many of the coverages that are automatic for the standard business owners' policy are optional
for the standard commercial package policy
Many of the coverage's that are automatic for the standard commercial package policy are
optional for the standard business owners' policy - ANS-Many of the coverage's that are
automatic for the standard business owners' policy are optional for the standard commercial
package policy
How much of a property must be unoccupied for it to be defined as vacant by the standard
commercial property policy?
40 percent
25 percent
30 percent
50 percent - ANS-30 percent
With regard to homeowners insurance, business is defined as any activity that has?
Both revenue and continuity.
continuity
revenue
Neither revenue nor continuity - ANS-Both revenue and continuity.
An expense plan that indicates an employer will reduce benefits for persons over the age of 65
to the extent that they are payable under Medicare for the same expense is known as a?
Medicare secondary rule
Medicare supplement
Medicare carve-out
maturity value benefit - ANS-Medicare carve-out
