1
OHIO HEALTH AND LIFE INSURANCE EXAM QUESTIONS
WITH COMPLETE SOLUTIONS GUARANTEED PASS BRAND
NEW 2025
The type of policy where the insurer can send a notice to the
insured that the policy has been cancelled in the middle of the
term is called - ANSWER - >cancelable
Krissa purchases a 10-year level term life insurance policy that
has a death benefit of $200,000. Which of these statements is
true?
The policy automatically converts to whole life after the 10-
year period - ANSWER - >The face amount and premium will
remain constant over the 10 year period
Which of the following provides Medicare supplement policies?
- ANSWER - >Private insurance companies
Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify
Creditable Coverage so that the - ANSWER - >employee's
,2
waiting period for coverage of a preexisting condition can be
reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage
in a group health policy? - ANSWER - >Temporary employee
Which of the following is a reinstatement condition? - ANSWER
- >Proof of insurability
Ohio requires that a licensee complete ______ hours of
continuing education on the subject of ethics every reporting
period. - ANSWER - >3
Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a -
ANSWER - >nonresident agent
Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule
would be applications for - ANSWER - >guaranteed issue
Continuous 24- hour care provided by licensed medical
professionals under the direct supervision of a physician is
called - ANSWER - >skilled nursing care
, 3
The entire contract includes the actual policy and the - ANSWER
- >application
The branch of dentistry which deals with the replacement of
missing parts is called - ANSWER - >Prosthodontics
An agent's license has been suspended for non-renewal. The
agent my apply for reinstatement - ANSWER - >within 12
months of the license renewal date
Which of the following is an annuity that is linked to a market-
related index? - ANSWER - >Equity- indexed annuity
A closed network plan offers a a primary physician copay of
$25. If a subscriber chooses a primary care physician outside of
the network, the subscriber will likely pay - ANSWER - >100% of
the billed amount
An accident and health insurer has just received written proof
of loss from one of its insureds. The insured must now wait 60
days before - ANSWER - >bringing legal action against the
insurer
OHIO HEALTH AND LIFE INSURANCE EXAM QUESTIONS
WITH COMPLETE SOLUTIONS GUARANTEED PASS BRAND
NEW 2025
The type of policy where the insurer can send a notice to the
insured that the policy has been cancelled in the middle of the
term is called - ANSWER - >cancelable
Krissa purchases a 10-year level term life insurance policy that
has a death benefit of $200,000. Which of these statements is
true?
The policy automatically converts to whole life after the 10-
year period - ANSWER - >The face amount and premium will
remain constant over the 10 year period
Which of the following provides Medicare supplement policies?
- ANSWER - >Private insurance companies
Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify
Creditable Coverage so that the - ANSWER - >employee's
,2
waiting period for coverage of a preexisting condition can be
reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage
in a group health policy? - ANSWER - >Temporary employee
Which of the following is a reinstatement condition? - ANSWER
- >Proof of insurability
Ohio requires that a licensee complete ______ hours of
continuing education on the subject of ethics every reporting
period. - ANSWER - >3
Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a -
ANSWER - >nonresident agent
Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule
would be applications for - ANSWER - >guaranteed issue
Continuous 24- hour care provided by licensed medical
professionals under the direct supervision of a physician is
called - ANSWER - >skilled nursing care
, 3
The entire contract includes the actual policy and the - ANSWER
- >application
The branch of dentistry which deals with the replacement of
missing parts is called - ANSWER - >Prosthodontics
An agent's license has been suspended for non-renewal. The
agent my apply for reinstatement - ANSWER - >within 12
months of the license renewal date
Which of the following is an annuity that is linked to a market-
related index? - ANSWER - >Equity- indexed annuity
A closed network plan offers a a primary physician copay of
$25. If a subscriber chooses a primary care physician outside of
the network, the subscriber will likely pay - ANSWER - >100% of
the billed amount
An accident and health insurer has just received written proof
of loss from one of its insureds. The insured must now wait 60
days before - ANSWER - >bringing legal action against the
insurer
