Connecticut life and health state exam
simulator questions with all correct
answers 2025|2026 latest update!!
Employees usually receive workers compensation benefits for CORRECT ANSWERS
Lost wages and medical expenses due to on-the-job accidents
What type of employee welfare plans are not subject to ERISA regulations? CORRECT
ANSWERS Church plans
Larry wants to purchase an individual disability income policy to ensure that he will not
experience a lapse in income should he become disabled. He has a two-month wage
continuation benefit from his employer. What should the policy elimination period be for
his individual policy? CORRECT ANSWERS 60 days
John has a criminal record in which he was convicted of a felony that involved
dishonesty. Under Federal law, how would John be able to engage in insurance
transactions? CORRECT ANSWERS Given written consent by the state insurance
regulatory agency
A prospective client was intimidated by a producer to purchase an insurance contract.
The producer could be found guilty of CORRECT ANSWERS Coercion
A life insurance policy that is paid annually must contain a grace period of at least
_____ days. CORRECT ANSWERS 30
An order issued by the commissioner that prohibits a specific practice listed in the order
is called a CORRECT ANSWERS Cease and desist order
Licensed producers in Connecticut are authorized to CORRECT ANSWERS Solicit,
receive, and forward applications to the insurer
All of the following are covered under most dental plans EXCEPT for CORRECT
ANSWERS Mouth cancer
When compared to a fixed annuity, a variable annuity has what distinguishing feature?
CORRECT ANSWERS Investment risk is assumed by the purchaser
When disability buy-sell insurance benefits exceed a partnership cost basis, which of
the following is correct? CORRECT ANSWERS The full amount is non-taxable to the
partner
, According to the Affordable care act, coverage may be rescinded CORRECT
ANSWERS if intentionally false statements were offered
At what point are death proceeds paid in a joint life insurance policy? CORRECT
ANSWERS When the first insured dies
Straight whole life insurance can be accurately described in all of these statements
EXCEPT CORRECT ANSWERS Policy protection normally expires at age 65
Which of the following can be defined as "the potential for loss"? CORRECT ANSWERS
Risk
A survivorship life insurance policy usually covers how many lives? CORRECT
ANSWERS 2
A disabled business owner who has payroll and business expenses paid for has what
kind of insurance policy? CORRECT ANSWERS Business Overhead Expense
Which of the following is NOT information needed to determine the suitability of an
annuity recommendation? CORRECT ANSWERS Level of education
When dealing with long-term care coverage, which of the following are classified as
ALDs? CORRECT ANSWERS Eating,bathing,dressing, mobility
Which of these is not used as selection criteria in the underwriting process of a life
insurance application? CORRECT ANSWERS national origin
Which type of life insurance policy is best suited for paying off the outstanding balance
of a 30-year mortgage in the event of the insureds death? CORRECT ANSWERS 30-
year decreasing term
When an individual is planning to protect his family with life insurance, one method of
doing so is called needs analysis. What exactly does needs analysis involve?
CORRECT ANSWERS Identifies the needs of an individual and the individual's
dependents
Which of the following is bot a valid reason for an insurer to contest a life insurance
policy during the policy's first two years of existence? CORRECT ANSWERS
Misstatement of age
The major medical deductible carryover period normally applies to expenses incurred
during the last _____ months of the plan year. CORRECT ANSWERS three
The disability income policy most likely to have been issued on a substandard basis is
CORRECT ANSWERS Non-cancelable with a health condition exclusion rider
simulator questions with all correct
answers 2025|2026 latest update!!
Employees usually receive workers compensation benefits for CORRECT ANSWERS
Lost wages and medical expenses due to on-the-job accidents
What type of employee welfare plans are not subject to ERISA regulations? CORRECT
ANSWERS Church plans
Larry wants to purchase an individual disability income policy to ensure that he will not
experience a lapse in income should he become disabled. He has a two-month wage
continuation benefit from his employer. What should the policy elimination period be for
his individual policy? CORRECT ANSWERS 60 days
John has a criminal record in which he was convicted of a felony that involved
dishonesty. Under Federal law, how would John be able to engage in insurance
transactions? CORRECT ANSWERS Given written consent by the state insurance
regulatory agency
A prospective client was intimidated by a producer to purchase an insurance contract.
The producer could be found guilty of CORRECT ANSWERS Coercion
A life insurance policy that is paid annually must contain a grace period of at least
_____ days. CORRECT ANSWERS 30
An order issued by the commissioner that prohibits a specific practice listed in the order
is called a CORRECT ANSWERS Cease and desist order
Licensed producers in Connecticut are authorized to CORRECT ANSWERS Solicit,
receive, and forward applications to the insurer
All of the following are covered under most dental plans EXCEPT for CORRECT
ANSWERS Mouth cancer
When compared to a fixed annuity, a variable annuity has what distinguishing feature?
CORRECT ANSWERS Investment risk is assumed by the purchaser
When disability buy-sell insurance benefits exceed a partnership cost basis, which of
the following is correct? CORRECT ANSWERS The full amount is non-taxable to the
partner
, According to the Affordable care act, coverage may be rescinded CORRECT
ANSWERS if intentionally false statements were offered
At what point are death proceeds paid in a joint life insurance policy? CORRECT
ANSWERS When the first insured dies
Straight whole life insurance can be accurately described in all of these statements
EXCEPT CORRECT ANSWERS Policy protection normally expires at age 65
Which of the following can be defined as "the potential for loss"? CORRECT ANSWERS
Risk
A survivorship life insurance policy usually covers how many lives? CORRECT
ANSWERS 2
A disabled business owner who has payroll and business expenses paid for has what
kind of insurance policy? CORRECT ANSWERS Business Overhead Expense
Which of the following is NOT information needed to determine the suitability of an
annuity recommendation? CORRECT ANSWERS Level of education
When dealing with long-term care coverage, which of the following are classified as
ALDs? CORRECT ANSWERS Eating,bathing,dressing, mobility
Which of these is not used as selection criteria in the underwriting process of a life
insurance application? CORRECT ANSWERS national origin
Which type of life insurance policy is best suited for paying off the outstanding balance
of a 30-year mortgage in the event of the insureds death? CORRECT ANSWERS 30-
year decreasing term
When an individual is planning to protect his family with life insurance, one method of
doing so is called needs analysis. What exactly does needs analysis involve?
CORRECT ANSWERS Identifies the needs of an individual and the individual's
dependents
Which of the following is bot a valid reason for an insurer to contest a life insurance
policy during the policy's first two years of existence? CORRECT ANSWERS
Misstatement of age
The major medical deductible carryover period normally applies to expenses incurred
during the last _____ months of the plan year. CORRECT ANSWERS three
The disability income policy most likely to have been issued on a substandard basis is
CORRECT ANSWERS Non-cancelable with a health condition exclusion rider
