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PEARSON VUE NATIONAL HEALTH INSURANCE
PRACTICE TEST QUESTIONS & SOLUTIONS
J has a physical impairment, attends school, and is incapable of self-sustaining
employment and/ or self care. Which of the following statements is CORRECT
about J's medical coverage under J's father's group plan?
A. J's coverage ceases, but J may apply for group student coverage.
B. J's coverage automatically discontinues at age twenty-six.
C. J's coverage continues only as long as J is a full-time student.
D. J's coverage continues as long as J is continually incapacitated and is financially
dependent on J's father.-correct-answer-d
Medicare Supplement policies are primarily designed to:
A.offset the high cost of Medicare
A. offset the high cost of Medicare
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B. provide additional retirement income to supplement Social Security retirement
benefits
C. provide additional benefits beyond those provided by Medicare
D. provide a reinsurance network that spreads the Medicare risk among private
insurance companies-correct-answer-c
A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The underwriter
issues a policy and mails it to the producer for delivery to the applicant. The
producer should take all of the following actions during the delivery of the policy
to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date-
correct-answer-b
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M and N own a small interior design studio that employs six people. The owners
are concerned about the financial continuation of the business if either of them
should become permanently disabled. In this situation, a producer would MOST
likely recommend which of the following types of contracts?
A. Basic Hospital
B. Disability Buy-Out
C. Comprehensive Major Medical
D. Short-Term Disability Income-correct-answer-b
Which of the following definitions of disability would cover a permanent partial
disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability-correct-answer-c
PEARSON VUE NATIONAL HEALTH INSURANCE
PRACTICE TEST QUESTIONS & SOLUTIONS
J has a physical impairment, attends school, and is incapable of self-sustaining
employment and/ or self care. Which of the following statements is CORRECT
about J's medical coverage under J's father's group plan?
A. J's coverage ceases, but J may apply for group student coverage.
B. J's coverage automatically discontinues at age twenty-six.
C. J's coverage continues only as long as J is a full-time student.
D. J's coverage continues as long as J is continually incapacitated and is financially
dependent on J's father.-correct-answer-d
Medicare Supplement policies are primarily designed to:
A.offset the high cost of Medicare
A. offset the high cost of Medicare
,2|Page
B. provide additional retirement income to supplement Social Security retirement
benefits
C. provide additional benefits beyond those provided by Medicare
D. provide a reinsurance network that spreads the Medicare risk among private
insurance companies-correct-answer-c
A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The underwriter
issues a policy and mails it to the producer for delivery to the applicant. The
producer should take all of the following actions during the delivery of the policy
to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date-
correct-answer-b
, 3|Page
M and N own a small interior design studio that employs six people. The owners
are concerned about the financial continuation of the business if either of them
should become permanently disabled. In this situation, a producer would MOST
likely recommend which of the following types of contracts?
A. Basic Hospital
B. Disability Buy-Out
C. Comprehensive Major Medical
D. Short-Term Disability Income-correct-answer-b
Which of the following definitions of disability would cover a permanent partial
disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability-correct-answer-c
