Page |1
Ohio Life Health and Accident test study
guide Questions and Correct Answers/
Latest Update / Already Graded
Which of the following decisions would a health savings account
owner not be able to make?
Ans: The amount contributed by the employer
An agent is legally permitted to share his/her commissions
Ans: with another licensed agent
An agent's appointment may only be terminated by the
Ans: insurer
An agent's license has been suspended for non-renewal. The agent
may apply for reinstatement
Ans: within 12 months of the license renewal date
Paul is an employee who caught a disease unique to the trade in which
he was exposed to. Paul has a(n)
Ans: occupational disease
All rights reserved © 2025/ 2026 |
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The open enrollment for Medicare part B is
Ans: January 1 through March 31
If an agent is believed to be causing considerable harm, the
superintendent
Ans: May issue a cease and desist order against the agent. But
only if the superintendent believes an agent is causing
substantial and material harm.
Inducement is BEST defined as
Ans: offering to buy, sell, give, or allow a prospective insur ed
employment, stock or special favors in exchange for an
insurance transaction
Ohio requires that a licensee complete ___ hours of continuing
education on the subject of ethics every reporting period.
Ans: 3 hours
What type of injury would not be covered under a health insurance
policy
All rights reserved © 2025/ 2026 |
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Ans: Work-related
What is the minimum benefit period that must be offered by a long
term care policy
Ans: 12 months
Replacement can be BEST described as
Ans: exchanging a new policy for one already in force
The superintendent determines an examination of an insurers books
and records is necessary. After receiving the notification, the insurer
Ans: Must not impede the examination and is required to assist
in the examination procedures.
When a preferred provider organization (PPO) insured goes out-of-
network, which of the following actions occur?
Ans: The insurer will pay a reduced amount
Which of the following is Medicare part B also known as
Ans: medical insurance
All rights reserved © 2025/ 2026 |
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Ohio requires a licensee to complete _____ hours of continuing
education hours each licensing period.
Ans: 24
Which of the following is not taken into consideration when
determining eligibility for Medicare benefits
Ans: income
Which of the following is considered to be an act of misrepresentation
Ans: Falsifying the terms, benefits, advantages, or conditions
of an insurance policy
Which of the following is not a specific power given to the
superintendent
Ans: Enact insurance legislation
Which of these will typically authorize treatment from a specialist?
Ans: gatekeeper
All rights reserved © 2025/ 2026 |
Ohio Life Health and Accident test study
guide Questions and Correct Answers/
Latest Update / Already Graded
Which of the following decisions would a health savings account
owner not be able to make?
Ans: The amount contributed by the employer
An agent is legally permitted to share his/her commissions
Ans: with another licensed agent
An agent's appointment may only be terminated by the
Ans: insurer
An agent's license has been suspended for non-renewal. The agent
may apply for reinstatement
Ans: within 12 months of the license renewal date
Paul is an employee who caught a disease unique to the trade in which
he was exposed to. Paul has a(n)
Ans: occupational disease
All rights reserved © 2025/ 2026 |
, Page |2
The open enrollment for Medicare part B is
Ans: January 1 through March 31
If an agent is believed to be causing considerable harm, the
superintendent
Ans: May issue a cease and desist order against the agent. But
only if the superintendent believes an agent is causing
substantial and material harm.
Inducement is BEST defined as
Ans: offering to buy, sell, give, or allow a prospective insur ed
employment, stock or special favors in exchange for an
insurance transaction
Ohio requires that a licensee complete ___ hours of continuing
education on the subject of ethics every reporting period.
Ans: 3 hours
What type of injury would not be covered under a health insurance
policy
All rights reserved © 2025/ 2026 |
, Page |3
Ans: Work-related
What is the minimum benefit period that must be offered by a long
term care policy
Ans: 12 months
Replacement can be BEST described as
Ans: exchanging a new policy for one already in force
The superintendent determines an examination of an insurers books
and records is necessary. After receiving the notification, the insurer
Ans: Must not impede the examination and is required to assist
in the examination procedures.
When a preferred provider organization (PPO) insured goes out-of-
network, which of the following actions occur?
Ans: The insurer will pay a reduced amount
Which of the following is Medicare part B also known as
Ans: medical insurance
All rights reserved © 2025/ 2026 |
, Page |4
Ohio requires a licensee to complete _____ hours of continuing
education hours each licensing period.
Ans: 24
Which of the following is not taken into consideration when
determining eligibility for Medicare benefits
Ans: income
Which of the following is considered to be an act of misrepresentation
Ans: Falsifying the terms, benefits, advantages, or conditions
of an insurance policy
Which of the following is not a specific power given to the
superintendent
Ans: Enact insurance legislation
Which of these will typically authorize treatment from a specialist?
Ans: gatekeeper
All rights reserved © 2025/ 2026 |
