PEARSON VUE TEXAS LIFE AND
HEALTH INSURANCE FINAL EXAM 2
VERSIONS 2025/2026 BANK CURRENTLY
TESTING COMPLETE QUESTIONS
WITH DETAILED VERIFIED ANSWERS
/ALREADY GRADED A+
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. -
....ANSWER...D
,Medicare Supplement policies are primarily designed to:
A. offset the high cost of Medicare
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 -
....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 - ....ANSWER...B
,An individual who has had a heart murmur since birth is
likely to be issued an individual disability policy that
includes:
A. Guaranteed Insurability rider
B. an Exclusionary/ Impairment rider
C. Waiver of Premium rider
D. Double Indemnity rider - ....ANSWER...B
Which of the following statements is CORRECT about
coinsurance?
A. It applies to deductibles as well as to claim payments.
B. It helps control overutilization of benefits.
C. It is effective for the first claim payment and waived for
future claims.
D. Insurance companies may adjust the coinsurance ratio
after issuing a policy. - ....ANSWER...B
, The insurance policy clause that identifies the contracting
parties and defines the scope and limits of coverage is
called the:
A. Insuring clause
B. Benefit clause
C. Consideration clause
D. Renewal clause - ....ANSWER...A
In an Accidental Death and Dismemberment (AD&D)
policy, the term "capital sum" refers to:
A. the benefit paid for death caused by a dread disease
B. the monthly disability income paid if an insured loses a
limb or the sight in one or both eyes
C. a lump sum payment made when disease causes the
amputation of an arm or a leg
D. a lump sum payment made for an accidental
dismemberment - ....ANSWER...D
A group long-term disability plan is integrated with Social
Security when which of the following statements is
CORRECT?
HEALTH INSURANCE FINAL EXAM 2
VERSIONS 2025/2026 BANK CURRENTLY
TESTING COMPLETE QUESTIONS
WITH DETAILED VERIFIED ANSWERS
/ALREADY GRADED A+
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. -
....ANSWER...D
,Medicare Supplement policies are primarily designed to:
A. offset the high cost of Medicare
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 -
....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 - ....ANSWER...B
,An individual who has had a heart murmur since birth is
likely to be issued an individual disability policy that
includes:
A. Guaranteed Insurability rider
B. an Exclusionary/ Impairment rider
C. Waiver of Premium rider
D. Double Indemnity rider - ....ANSWER...B
Which of the following statements is CORRECT about
coinsurance?
A. It applies to deductibles as well as to claim payments.
B. It helps control overutilization of benefits.
C. It is effective for the first claim payment and waived for
future claims.
D. Insurance companies may adjust the coinsurance ratio
after issuing a policy. - ....ANSWER...B
, The insurance policy clause that identifies the contracting
parties and defines the scope and limits of coverage is
called the:
A. Insuring clause
B. Benefit clause
C. Consideration clause
D. Renewal clause - ....ANSWER...A
In an Accidental Death and Dismemberment (AD&D)
policy, the term "capital sum" refers to:
A. the benefit paid for death caused by a dread disease
B. the monthly disability income paid if an insured loses a
limb or the sight in one or both eyes
C. a lump sum payment made when disease causes the
amputation of an arm or a leg
D. a lump sum payment made for an accidental
dismemberment - ....ANSWER...D
A group long-term disability plan is integrated with Social
Security when which of the following statements is
CORRECT?
