CONNECTICUT LIFE AND HEALTH
EXAM UPDATED QUESTIONS AND
CORRECT ANSWERS.
An agent's authority to bind an insurer to an insurance contract may be granted in the -
ANS agent's contract and the insurance company's appointment
Which of these statements regarding the extended term insurance nonforfeiture option in a life
policy is accurate? - ANS The premium to purchase the coverage comes from the policy's
cash value
Which of theses is not a standard provision in qualified long-term care policies sold in
Connecticut? - ANS Prior hospitalization
A family counseling benefit is typically offered under which of these coverages? -
ANS hospice care
An insured's statement of a policy's benefits which is to be used in marketing materials is called
a - ANS Testimony
Tina is insured under a business overhead expense insurance policy. Which of the following
would be covered if she were to become disabled? - ANS Business property rental expense
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, An annuitant is paid $495 per month until the contract value is exhausted at some
undetermined date in the future. Which type of annuity payout option is this? - ANS Fixed
amount
Which of the following is true regarding a person receiving a waiver of premium benefit? -
ANS The insured must be disabled for a period of time
Elimination periods typically apply to - ANS Disability policies
What could be the potential result of taking out a cash value loan under a life insurance policy?
- ANS Reduces the amount receivable upon surrender of the contract
Laura has an employer-based preventative health care plan that focuses on an enrollee's
problems, such as drug abuse or stress. These plans are called - ANS wellness programs
How long do most states allow an insurance company to delay the payment of a cash surrender
under the Delayed Payment provision? - ANS 6 months
Non-occasional disability coverage is designed for - ANS Employees who suffer non-work
related disabilities, since work-related disability are covered by workers compensation
Home health care benefits typically do NOT include coverage for - ANS prescription
medication
A guaranteed renewable provision allows - ANS premiums which can only be increased per
rate class
Which of the following is NOT covered by a comprehensive long-term care policy? -
ANS acute care
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
EXAM UPDATED QUESTIONS AND
CORRECT ANSWERS.
An agent's authority to bind an insurer to an insurance contract may be granted in the -
ANS agent's contract and the insurance company's appointment
Which of these statements regarding the extended term insurance nonforfeiture option in a life
policy is accurate? - ANS The premium to purchase the coverage comes from the policy's
cash value
Which of theses is not a standard provision in qualified long-term care policies sold in
Connecticut? - ANS Prior hospitalization
A family counseling benefit is typically offered under which of these coverages? -
ANS hospice care
An insured's statement of a policy's benefits which is to be used in marketing materials is called
a - ANS Testimony
Tina is insured under a business overhead expense insurance policy. Which of the following
would be covered if she were to become disabled? - ANS Business property rental expense
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, An annuitant is paid $495 per month until the contract value is exhausted at some
undetermined date in the future. Which type of annuity payout option is this? - ANS Fixed
amount
Which of the following is true regarding a person receiving a waiver of premium benefit? -
ANS The insured must be disabled for a period of time
Elimination periods typically apply to - ANS Disability policies
What could be the potential result of taking out a cash value loan under a life insurance policy?
- ANS Reduces the amount receivable upon surrender of the contract
Laura has an employer-based preventative health care plan that focuses on an enrollee's
problems, such as drug abuse or stress. These plans are called - ANS wellness programs
How long do most states allow an insurance company to delay the payment of a cash surrender
under the Delayed Payment provision? - ANS 6 months
Non-occasional disability coverage is designed for - ANS Employees who suffer non-work
related disabilities, since work-related disability are covered by workers compensation
Home health care benefits typically do NOT include coverage for - ANS prescription
medication
A guaranteed renewable provision allows - ANS premiums which can only be increased per
rate class
Which of the following is NOT covered by a comprehensive long-term care policy? -
ANS acute care
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
