CANFITPRO PTS PERSONAL TRAINING SPECIALIST EXAM 2025 | ACCURATE REAL EXAM
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
According to Mandatory Uniform Policy Provisions, what is the maximum amount of time after the
premium due date during which the policy remains in force even though the premium has not been
paid? - (answer)31 days
G purchased a Family Income policy at age 40. The policy has a 20-year rider period. If G were to die at
age 50, how long would G's family receive an income? - (answer)10 years
E and F are business partners. Each takes out a $500,000 life insurance policy on the other, naming
himself as primary beneficiary. E and F eventually terminate their business, and four months later E dies.
Although E was married with three children at the time of death, the primary beneficiary is still F.
However, an insurable interest no longer exists. Where will the proceeds from E's life insurance policy
be directed to? - (answer)F
The Health Insurance Portability and Accountability Act (HIPAA) gives privacy protection for: -
(answer)health information
What do Dread Disease policies cover? - (answer)A specific disease or illness
When an insurance application is taken by a producer, which of these statements is true? - (answer)Any
changes made on the application require the applicant's initials
A student pilot can pay regular premium costs for her life insurance policy with the addition of which of
the following? - (answer)Aviation exclusion
What is the consideration given by an insurer in the Consideration clause of a life policy? -
(answer)Promise to pay a death benefit to a named beneficiary
Which of the following reimburses its insureds for covered medical expenses? - (answer)Commercial
insurers
,CANFITPRO PTS PERSONAL TRAINING SPECIALIST EXAM 2025 | ACCURATE REAL EXAM
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
Under Florida law, which of the following provisions is NOT required in a Medicare Supplement policy? -
(answer)Limitation on pre-existing conditions for up to 12 months
Which organization was established to provide funds to protect an insured in the event of an insurer's
insolvency? - (answer)Florida Life and Health Insurance Guaranty Association
Major Medical policies typically: - (answer)contain a deductible and coinsurance
The Life and Health Insurance Guaranty Association is - (answer)funded by admitted insurance
companies through assessments
P and Q are married and have three children. P is the primary beneficiary on Q's Accidental Death and
Dismemberment (AD&D) policy and Q's sister R is the contingent beneficiary. P, Q, and R are involved in
a car accident and Q and R are killed instantly. The Accidental Death benefits will be paid to: - (answer)P
only
Which of the following is considered an accurate statement of an unfair trade practice? -
(answer)Twisting involves an agent using misrepresentation to convince a policyowner to cancel their
current policy so that they can purchase a new life insurance policy with another company
Which of the following is an example of an Unfair Trade Practice? - (answer)Coercison
The Legal Actions provision of an insurance contract is designed to do all of the following, EXCEPT: -
(answer)protect the producer
Which of these actions should a producer take when submitting an insurance application to an insurer? -
(answer)Inform insurer of relevant information not included on the application
A Health Reimbursement Arrangement MUST be established: - (answer)by the employer
, CANFITPRO PTS PERSONAL TRAINING SPECIALIST EXAM 2025 | ACCURATE REAL EXAM
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
If an individual has an Accidental Death and Dismemberment policy and dies, and autopsy can be
performed in all these situations, EXCEPT: - (answer)When the state prohibits this by law
P is a producer who notices 5 questions on a life application were not answered. What actions should P
take? - (answer)Set up a meeting with the applicant to answer the remaining questions
A disability elimination period is best described as a: - (answer)time deductible
Which type of insurance company allows their policyowners to elect a governing body? -
(answer)Mutual
Two partners own equal shares in a business worth a total of $1,000,000. If they both commit to the
purchase of a life insurance policy that will fund a Buy-Sell Agreement, which of the following is TRUE? -
(answer)Each partner owns a $500,000 policy on their partner's life
N is a student pilot with a large life insurance policy. Which of these features would limit the insurer's
obligation in the event N was killed while flying as a student pilot? - (answer)Exclusion
A policyowner's rights are limited under which beneficiary designation? - (answer)Irrecovable
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her
consent when a change of beneficiary is made? - (answer)Irrevocable beneficiary
Which type of contract liquidates an estate through recurrent payments? - (answer)Annuity
Under Florida law, a variable annuity policyowner must be notified of the accumulated value of the
contract - (answer)once each year
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
According to Mandatory Uniform Policy Provisions, what is the maximum amount of time after the
premium due date during which the policy remains in force even though the premium has not been
paid? - (answer)31 days
G purchased a Family Income policy at age 40. The policy has a 20-year rider period. If G were to die at
age 50, how long would G's family receive an income? - (answer)10 years
E and F are business partners. Each takes out a $500,000 life insurance policy on the other, naming
himself as primary beneficiary. E and F eventually terminate their business, and four months later E dies.
Although E was married with three children at the time of death, the primary beneficiary is still F.
However, an insurable interest no longer exists. Where will the proceeds from E's life insurance policy
be directed to? - (answer)F
The Health Insurance Portability and Accountability Act (HIPAA) gives privacy protection for: -
(answer)health information
What do Dread Disease policies cover? - (answer)A specific disease or illness
When an insurance application is taken by a producer, which of these statements is true? - (answer)Any
changes made on the application require the applicant's initials
A student pilot can pay regular premium costs for her life insurance policy with the addition of which of
the following? - (answer)Aviation exclusion
What is the consideration given by an insurer in the Consideration clause of a life policy? -
(answer)Promise to pay a death benefit to a named beneficiary
Which of the following reimburses its insureds for covered medical expenses? - (answer)Commercial
insurers
,CANFITPRO PTS PERSONAL TRAINING SPECIALIST EXAM 2025 | ACCURATE REAL EXAM
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
Under Florida law, which of the following provisions is NOT required in a Medicare Supplement policy? -
(answer)Limitation on pre-existing conditions for up to 12 months
Which organization was established to provide funds to protect an insured in the event of an insurer's
insolvency? - (answer)Florida Life and Health Insurance Guaranty Association
Major Medical policies typically: - (answer)contain a deductible and coinsurance
The Life and Health Insurance Guaranty Association is - (answer)funded by admitted insurance
companies through assessments
P and Q are married and have three children. P is the primary beneficiary on Q's Accidental Death and
Dismemberment (AD&D) policy and Q's sister R is the contingent beneficiary. P, Q, and R are involved in
a car accident and Q and R are killed instantly. The Accidental Death benefits will be paid to: - (answer)P
only
Which of the following is considered an accurate statement of an unfair trade practice? -
(answer)Twisting involves an agent using misrepresentation to convince a policyowner to cancel their
current policy so that they can purchase a new life insurance policy with another company
Which of the following is an example of an Unfair Trade Practice? - (answer)Coercison
The Legal Actions provision of an insurance contract is designed to do all of the following, EXCEPT: -
(answer)protect the producer
Which of these actions should a producer take when submitting an insurance application to an insurer? -
(answer)Inform insurer of relevant information not included on the application
A Health Reimbursement Arrangement MUST be established: - (answer)by the employer
, CANFITPRO PTS PERSONAL TRAINING SPECIALIST EXAM 2025 | ACCURATE REAL EXAM
WITH VERIFIED QUESTIONS AND ANSWERS WITH RATIONALES | EXPERT VERIFIED FOR
GUARANTEED PASS | LATEST UPDATE | STUDY GUIDE INCLUSIVE
If an individual has an Accidental Death and Dismemberment policy and dies, and autopsy can be
performed in all these situations, EXCEPT: - (answer)When the state prohibits this by law
P is a producer who notices 5 questions on a life application were not answered. What actions should P
take? - (answer)Set up a meeting with the applicant to answer the remaining questions
A disability elimination period is best described as a: - (answer)time deductible
Which type of insurance company allows their policyowners to elect a governing body? -
(answer)Mutual
Two partners own equal shares in a business worth a total of $1,000,000. If they both commit to the
purchase of a life insurance policy that will fund a Buy-Sell Agreement, which of the following is TRUE? -
(answer)Each partner owns a $500,000 policy on their partner's life
N is a student pilot with a large life insurance policy. Which of these features would limit the insurer's
obligation in the event N was killed while flying as a student pilot? - (answer)Exclusion
A policyowner's rights are limited under which beneficiary designation? - (answer)Irrecovable
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her
consent when a change of beneficiary is made? - (answer)Irrevocable beneficiary
Which type of contract liquidates an estate through recurrent payments? - (answer)Annuity
Under Florida law, a variable annuity policyowner must be notified of the accumulated value of the
contract - (answer)once each year
