IOWA ACCIDENT AND HEALTH FINAL
EXAM 1 2025 QUESTIONS AND
ANSWERS
Dental, Vision, & other Prescription drugs - ANS Common exclusions to the continuation of
group coverage include
Internal Limit - ANS Jay was reviewing her health insurance policy and noticed the phrase "
this policy will only pay for a semi private room" this phrase is considered to be an
Substandard applicants are never decline by underwriters - ANS which of the following
statements about the classification of applicants is incorrect?
Monthly - ANS Periodic health claim payment must be made at least
notify an insurer of a claim within a specified time - ANS The notice of claims provision
requires a policy owner to
Disability income - ANS A CEO's personal assistant suffered injuries at home, and as a result,
was unable to work for four months. Which type of policy will pay a monthly benefit to the
personal assistant
Gross income at the time of purchase - ANS With disability income insurance, and insurance
company may limit the monthly benefit amount of prospective policyholder may obtain
because of the insured
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, Misrepresentation - ANS Which unfair trade practice involves a producer suggesting that an
insurance policy is like a share of stock?
26 - ANS Under the affordable care act, health coverage is provided for dependents up to the
age of
68-year-old male covered by Medicare - ANS Set individual most likely to buy a Medicare
supplement policy would be in
Testing positive for marijuana use from a previous screening - ANS Which of these was the
medical information bureau identify
Business overhead expense - ANS Which type of policy would pay an employee salary if the
employer was injured in a bicycle accident and out of work for six weeks?
Income - ANS When determining the monthly benefit amount for a disability income policy,
the factor that limits the amount of prospective insured may purchase is
Disability income - ANS B is a teacher who was injured in a car accident and cannot work. She
is now receiving monthly benefits as a result of this accident. Which type of policy does B have?
20 - ANS an insured must notify and insurer of medical claim within days after an accident
$10,000 - ANS If an insured receives a cash payment in excess of it must report this act as
stated by the USA patriot act
They are nonprofit organizations - ANS Which of the following statements is true about most
Blue Cross/Blue Shield organizations
2 Copyright ©BRIGHSTARS ALL RIGHTS RESERVED 2025
EXAM 1 2025 QUESTIONS AND
ANSWERS
Dental, Vision, & other Prescription drugs - ANS Common exclusions to the continuation of
group coverage include
Internal Limit - ANS Jay was reviewing her health insurance policy and noticed the phrase "
this policy will only pay for a semi private room" this phrase is considered to be an
Substandard applicants are never decline by underwriters - ANS which of the following
statements about the classification of applicants is incorrect?
Monthly - ANS Periodic health claim payment must be made at least
notify an insurer of a claim within a specified time - ANS The notice of claims provision
requires a policy owner to
Disability income - ANS A CEO's personal assistant suffered injuries at home, and as a result,
was unable to work for four months. Which type of policy will pay a monthly benefit to the
personal assistant
Gross income at the time of purchase - ANS With disability income insurance, and insurance
company may limit the monthly benefit amount of prospective policyholder may obtain
because of the insured
1 Copyright ©BRIGHSTARS ALL RIGHTS RESERVED 2025
, Misrepresentation - ANS Which unfair trade practice involves a producer suggesting that an
insurance policy is like a share of stock?
26 - ANS Under the affordable care act, health coverage is provided for dependents up to the
age of
68-year-old male covered by Medicare - ANS Set individual most likely to buy a Medicare
supplement policy would be in
Testing positive for marijuana use from a previous screening - ANS Which of these was the
medical information bureau identify
Business overhead expense - ANS Which type of policy would pay an employee salary if the
employer was injured in a bicycle accident and out of work for six weeks?
Income - ANS When determining the monthly benefit amount for a disability income policy,
the factor that limits the amount of prospective insured may purchase is
Disability income - ANS B is a teacher who was injured in a car accident and cannot work. She
is now receiving monthly benefits as a result of this accident. Which type of policy does B have?
20 - ANS an insured must notify and insurer of medical claim within days after an accident
$10,000 - ANS If an insured receives a cash payment in excess of it must report this act as
stated by the USA patriot act
They are nonprofit organizations - ANS Which of the following statements is true about most
Blue Cross/Blue Shield organizations
2 Copyright ©BRIGHSTARS ALL RIGHTS RESERVED 2025
