Connecticut life and health state exam
simulator Questions Fully Solved
2025\2026.
Healthcare cost Can be better controlled by utilizing preadmission testing. Preadmission testing
can reduce - Answer Links of hospitalization
Which of these is not a standard provision in a qualified long-term care policy sought in
Connecticut? - Answer Tire hospitalization
A policy owner is permitted to take out a policy load on a whole life policy at what point? -
Answer What the policy has cash value
The time limit in individual has to roll over funds from an IRA or qualified plan is - Answer 60
days
Which life insurance policy would be eligible to include an automatic premium loan provision? -
Answer Whole life
Which of the following is considered to be an example of unfair a straight of competition? -
Answer Coercion
All of these are common listing factors with dental insurance except for - Answer Limit placed
a number of teeth that may be treated annually
Tori has an annuity that pays her a $500 per month income benefit for life or for ten years,
whichever is longer. What kind of annuity is this? - Answer Fixed life annuity with period
certain
Which of the following describes the act of ensuring a risk against possible loss? - Answer Risk
transfer
Tim is covered by an accident and health insurance policy that may not be changed in any way
by the insurer up to a stated age, as long as the premiums are paid. What type of policy is this? -
Answer Noncancelable
, Which of the following does not fall under "hospital care"
In a typical health maintenance organization plan? - Answer Private duty nursing
Bert's spouse passed away recently. Bert was covered under his spouse's group family health
insurance plan but now is covered under COBRA. How much of the active-employee cost may
be passed on to Bert for continued coverage? - Answer Maximum of 102%
Which of the following could be a future use of the cash value that builds in a recently
purchased whole life insurance policy? - Answer Provide supplemental income in 35 years
When does the owner's contractual rights begin under an individual annuity contract? - Answer
at the time of purchase
Field underwriting by a producer - Answer may result in the disclosure of hazardous activities
of the applicant
Why does Connecticut require insurers to maintain a minimum level of assets? - Answer To
demonstrate insurer solvency
That authority to change the beneficiary in an individual annuity lies with the - Answer Owner
At what point are death proceeds paid in a joint life insurance policy? - Answer When the first
insured dies
Which of these is not considered to be a cost connected with an individual's death? - Answer
Business expenses
Which of the following is true about a qualified retirement plan that is "top heavy"? - Answer
More than 60% of a plan acids are in key employee accounts
Darrell has a group long-term disability income policy paid by his employer. Which of these
statements is true? - Answer The specified benefit amount is a percentage of his wages
Which of the following is not information needed to determine the suitability of an annuity
recommendation? - Answer Level of education
simulator Questions Fully Solved
2025\2026.
Healthcare cost Can be better controlled by utilizing preadmission testing. Preadmission testing
can reduce - Answer Links of hospitalization
Which of these is not a standard provision in a qualified long-term care policy sought in
Connecticut? - Answer Tire hospitalization
A policy owner is permitted to take out a policy load on a whole life policy at what point? -
Answer What the policy has cash value
The time limit in individual has to roll over funds from an IRA or qualified plan is - Answer 60
days
Which life insurance policy would be eligible to include an automatic premium loan provision? -
Answer Whole life
Which of the following is considered to be an example of unfair a straight of competition? -
Answer Coercion
All of these are common listing factors with dental insurance except for - Answer Limit placed
a number of teeth that may be treated annually
Tori has an annuity that pays her a $500 per month income benefit for life or for ten years,
whichever is longer. What kind of annuity is this? - Answer Fixed life annuity with period
certain
Which of the following describes the act of ensuring a risk against possible loss? - Answer Risk
transfer
Tim is covered by an accident and health insurance policy that may not be changed in any way
by the insurer up to a stated age, as long as the premiums are paid. What type of policy is this? -
Answer Noncancelable
, Which of the following does not fall under "hospital care"
In a typical health maintenance organization plan? - Answer Private duty nursing
Bert's spouse passed away recently. Bert was covered under his spouse's group family health
insurance plan but now is covered under COBRA. How much of the active-employee cost may
be passed on to Bert for continued coverage? - Answer Maximum of 102%
Which of the following could be a future use of the cash value that builds in a recently
purchased whole life insurance policy? - Answer Provide supplemental income in 35 years
When does the owner's contractual rights begin under an individual annuity contract? - Answer
at the time of purchase
Field underwriting by a producer - Answer may result in the disclosure of hazardous activities
of the applicant
Why does Connecticut require insurers to maintain a minimum level of assets? - Answer To
demonstrate insurer solvency
That authority to change the beneficiary in an individual annuity lies with the - Answer Owner
At what point are death proceeds paid in a joint life insurance policy? - Answer When the first
insured dies
Which of these is not considered to be a cost connected with an individual's death? - Answer
Business expenses
Which of the following is true about a qualified retirement plan that is "top heavy"? - Answer
More than 60% of a plan acids are in key employee accounts
Darrell has a group long-term disability income policy paid by his employer. Which of these
statements is true? - Answer The specified benefit amount is a percentage of his wages
Which of the following is not information needed to determine the suitability of an annuity
recommendation? - Answer Level of education
