ACCIDENT AND HEALTH TEST PAPER 2025/2026
QUESTIONS AND SOLUTION RATED A+
✔✔Which of the following statements BEST describes employer contributions for
employer provided health insurance? - ✔✔Employer contributions are deductible
✔✔Greg applies for insurance and makes a false statement on the application that will
influence whether or not the insurer will accept the risk. Greg's false statement is called
a: - ✔✔material representation
✔✔In Arizona, a producer must be at least how many years of age? - ✔✔18
✔✔When does a family accident and health policy's coverage for a newborn child
begin? - ✔✔At the moment of birth
✔✔Each of the following will trigger a benefit under the presumptive disability provision,
EXCEPT: - ✔✔Loss of any one limb
✔✔Which statement is NOT true regarding health insurance policies that provide limited
benefits? - ✔✔Only people under the age of 65 are eligible
✔✔Some standard Medicare Supplement policies include which benefit? - ✔✔hospice
care
✔✔Social Security disability income requirements state that in order to become fully
insured on a permanent basis, you must have worked in a covered occupation for: -
✔✔40 quarters
✔✔Which of the following best describes the presumptive disability provision? -
✔✔Waives the typical total disability requirements
✔✔Which of the following statements BEST describes a double indemnity provision in
travel accident insurance? - ✔✔Benefits are doubled under certain circumstances
stated in the policy
✔✔According to federal fraud and false statements regulation, what is required for a
prohibited person to transact insurance business in this state? - ✔✔Written consent
from the state insurance regulatory agency
✔✔A producer is proposing that a policyowner replace an existing individual health
insurance policy with a new one. Under the new contract. A pre-existing conditions
exclusion: - ✔✔May reduce the insured's benefits
, ✔✔Enrollees in a staff model HMO normally have which of the following pharmacy
options available? - ✔✔In-house pharmacy
✔✔Which of the following guidelines does NOT apply under the pregnancy provision of
the Civil Rights Act? - ✔✔Post-termination extensions of medical benefits must apply
equally to pregnancy
✔✔Major Medical policies are typically characterized by which of the following? -
✔✔Flat deductible
✔✔Notice of information practices must be given to the policyholder at least: - ✔✔Every
three years
✔✔Mary is an employee who is covered with a disability income policy through her
employer. She pays for the portion of the premium attributable to the cost of residual
disability benefits, while her employer pays for the remainder. What are the tax
implications of this policy? - ✔✔Residual benefits will be received income tax-free
✔✔What is the actuarial value of a bronze level health plan? - ✔✔60
✔✔Reductions in coverage are one feature of ____ in health insurance policies. -
✔✔cost containment
✔✔Which of the following are used by most insurers when determining the premiums
for large groups? - ✔✔experience rating
✔✔Dividends from a mutual insurance company are paid to whom? - ✔✔policyholders
✔✔All of these are duties that a producer may be required to perform when delivering
an insurance policy EXCEPT: - ✔✔Leave a conditional receipt with the client
✔✔In order for a health plan to be an "accountable health plan," who has to approve it?
- ✔✔the director
✔✔When dealing with long-term care coverage, which of the following are classified as
ADLs? - ✔✔
✔✔How can a group dental insurer discourage adverse selection? - ✔✔Limit the
duration of coverage
✔✔An insurer markets its products by soliciting customers by mass media advertising
and mail WITHOUT using the services of a producer. Which of these marketing systems
does the insurer utilize? - ✔✔direct response
QUESTIONS AND SOLUTION RATED A+
✔✔Which of the following statements BEST describes employer contributions for
employer provided health insurance? - ✔✔Employer contributions are deductible
✔✔Greg applies for insurance and makes a false statement on the application that will
influence whether or not the insurer will accept the risk. Greg's false statement is called
a: - ✔✔material representation
✔✔In Arizona, a producer must be at least how many years of age? - ✔✔18
✔✔When does a family accident and health policy's coverage for a newborn child
begin? - ✔✔At the moment of birth
✔✔Each of the following will trigger a benefit under the presumptive disability provision,
EXCEPT: - ✔✔Loss of any one limb
✔✔Which statement is NOT true regarding health insurance policies that provide limited
benefits? - ✔✔Only people under the age of 65 are eligible
✔✔Some standard Medicare Supplement policies include which benefit? - ✔✔hospice
care
✔✔Social Security disability income requirements state that in order to become fully
insured on a permanent basis, you must have worked in a covered occupation for: -
✔✔40 quarters
✔✔Which of the following best describes the presumptive disability provision? -
✔✔Waives the typical total disability requirements
✔✔Which of the following statements BEST describes a double indemnity provision in
travel accident insurance? - ✔✔Benefits are doubled under certain circumstances
stated in the policy
✔✔According to federal fraud and false statements regulation, what is required for a
prohibited person to transact insurance business in this state? - ✔✔Written consent
from the state insurance regulatory agency
✔✔A producer is proposing that a policyowner replace an existing individual health
insurance policy with a new one. Under the new contract. A pre-existing conditions
exclusion: - ✔✔May reduce the insured's benefits
, ✔✔Enrollees in a staff model HMO normally have which of the following pharmacy
options available? - ✔✔In-house pharmacy
✔✔Which of the following guidelines does NOT apply under the pregnancy provision of
the Civil Rights Act? - ✔✔Post-termination extensions of medical benefits must apply
equally to pregnancy
✔✔Major Medical policies are typically characterized by which of the following? -
✔✔Flat deductible
✔✔Notice of information practices must be given to the policyholder at least: - ✔✔Every
three years
✔✔Mary is an employee who is covered with a disability income policy through her
employer. She pays for the portion of the premium attributable to the cost of residual
disability benefits, while her employer pays for the remainder. What are the tax
implications of this policy? - ✔✔Residual benefits will be received income tax-free
✔✔What is the actuarial value of a bronze level health plan? - ✔✔60
✔✔Reductions in coverage are one feature of ____ in health insurance policies. -
✔✔cost containment
✔✔Which of the following are used by most insurers when determining the premiums
for large groups? - ✔✔experience rating
✔✔Dividends from a mutual insurance company are paid to whom? - ✔✔policyholders
✔✔All of these are duties that a producer may be required to perform when delivering
an insurance policy EXCEPT: - ✔✔Leave a conditional receipt with the client
✔✔In order for a health plan to be an "accountable health plan," who has to approve it?
- ✔✔the director
✔✔When dealing with long-term care coverage, which of the following are classified as
ADLs? - ✔✔
✔✔How can a group dental insurer discourage adverse selection? - ✔✔Limit the
duration of coverage
✔✔An insurer markets its products by soliciting customers by mass media advertising
and mail WITHOUT using the services of a producer. Which of these marketing systems
does the insurer utilize? - ✔✔direct response
