Aflac Final exam - Aflac Agent Training Final EXAM
QUESTIONS AND VERIFIED CORRECT ANSWERS LATEST
2026-2027 NEW VERSION
Which provision concerns the insured's duty to provide the insurer with reasonable
notice in the event of a loss? - answer>>>notice of claim
Because an insurance policy is a legal contract, it must conform to the state laws
governing contracts which require all of the following elements EXCEPT -
answer>>>conditions
An insured is involved in an accident that renders him permanently deaf, although
he does not sustain any other major injures. The insured is still able to perform his
current job. To what extent will he receive Presumptive Disability benefits? -
answer>>>full benefits
Regarding long-term care coverage, as the elimination period gets shorter, the
premium - answer>>>gets higher
Which of the following determines whether disability insurance benefits are taxed? -
answer>>>whether the premiums were tax deductible
An agent is ready to deliver a policy to an applicant but has not yet received
payment. Upon delivery, the agent collects the applicant's premium check, answers
any questions the applicant may have, and then leaves. What did he forget to do? -
answer>>>ask her to sign a statement of good health
Which of the following statements is NOT true concerning Medicaid? - answer>>>it
consist of 3 parts, Part A: hospitalization, Part B: doctor's services, Part C: disability
income
, -
Which statement accurately describes group disability income insurance? -
answer>>>the extent of benefits is determined by the insured's income
If a consumer requests additional information concerning an investigative consumer
report, how long does the insurer or reporting agency have to comply? - answer>>>5
days
Which of the following is NOT an exclusion in medical expense insurance policies? -
answer>>>coverage for dependents
If an insured is not required to pay a deductible, what kind of coverage do they
have? - answer>>>first dollar
An applicant for a health insurance policy returns a completed application to her
agent, along with a check for the first premium. She receives a conditional receipt
two weeks later. Which of the following has the insurer done by this point? -
answer>>>neither approved the application nor issued the policy
A policy owner has a health insurance policy with his wife listed as the primary
beneficiary. He would like to change the primary beneficiary to his sister. Which of
the following is true? - answer>>>unless the policy designated the current
beneficiary is irrevocable, the policy owner can make the change at any time
The provision in a health insurance policy that ensures that the insurer cannot refer
to any document that is not contained in the contract is the - answer>>>entire
contract clause
QUESTIONS AND VERIFIED CORRECT ANSWERS LATEST
2026-2027 NEW VERSION
Which provision concerns the insured's duty to provide the insurer with reasonable
notice in the event of a loss? - answer>>>notice of claim
Because an insurance policy is a legal contract, it must conform to the state laws
governing contracts which require all of the following elements EXCEPT -
answer>>>conditions
An insured is involved in an accident that renders him permanently deaf, although
he does not sustain any other major injures. The insured is still able to perform his
current job. To what extent will he receive Presumptive Disability benefits? -
answer>>>full benefits
Regarding long-term care coverage, as the elimination period gets shorter, the
premium - answer>>>gets higher
Which of the following determines whether disability insurance benefits are taxed? -
answer>>>whether the premiums were tax deductible
An agent is ready to deliver a policy to an applicant but has not yet received
payment. Upon delivery, the agent collects the applicant's premium check, answers
any questions the applicant may have, and then leaves. What did he forget to do? -
answer>>>ask her to sign a statement of good health
Which of the following statements is NOT true concerning Medicaid? - answer>>>it
consist of 3 parts, Part A: hospitalization, Part B: doctor's services, Part C: disability
income
, -
Which statement accurately describes group disability income insurance? -
answer>>>the extent of benefits is determined by the insured's income
If a consumer requests additional information concerning an investigative consumer
report, how long does the insurer or reporting agency have to comply? - answer>>>5
days
Which of the following is NOT an exclusion in medical expense insurance policies? -
answer>>>coverage for dependents
If an insured is not required to pay a deductible, what kind of coverage do they
have? - answer>>>first dollar
An applicant for a health insurance policy returns a completed application to her
agent, along with a check for the first premium. She receives a conditional receipt
two weeks later. Which of the following has the insurer done by this point? -
answer>>>neither approved the application nor issued the policy
A policy owner has a health insurance policy with his wife listed as the primary
beneficiary. He would like to change the primary beneficiary to his sister. Which of
the following is true? - answer>>>unless the policy designated the current
beneficiary is irrevocable, the policy owner can make the change at any time
The provision in a health insurance policy that ensures that the insurer cannot refer
to any document that is not contained in the contract is the - answer>>>entire
contract clause
