1
AZ LIFE & HEALTH EXAM QUESTIONS WITH CORRECT ANSWERS
2026 ACTUAL VERSION
1. Federal Health Care Reform under the Patient Protection and Affordable Care Act now supersedes all state
laws and provides coverage for children up to age or longer if
handicapped.
A. 26
B. 22
C. 25
D. 21:
Answer> A. 26
2. Every Health and Disability Income Policymust express theconditions and provisions for .
A
Conditionalcoverage B
Continuation of the contract C Refunds of
premium at maturity D
1/
,2
Policy corrections:
Answer> B Continuation ofthe
contract
3. All of the following are considered Long-Term Care Partnership Policy requirements,
except:
A
Aproducerwhomarketsoroffers to sella Long-Term Care Partnership Policy must provide each prospective applicant
the Pre-purchase Notice
B
A policy sold to an individual who has attained age 76 as of the date of purchase must provide compound annual
inflation protection
C
Aninsurer that issues fordelivery a Long-Term Care Partnership Policy must attach the Post- purchase Notice
D
A policy sold to an individual who has not attained age 61 as of the date of purchase must provide compound annual
inflation protection:
Answer> B
2/
,3
A policy sold to an individual who has attained age 76 as of the date of purchase must provide compound annual inflation
protection
4. The HMO provider is paid a set fee per enrollee, known as a:
A
Provider fee
B
Capitation fee C Servicefee
D Enrolleefee:
Answer> B Capitation fee
5. Other than the applicant, which signature is required on an application?
A
Agent B
Executive officer of the insurer C Beneficiary D
Insurancecommissioner:
3/
,4
Answer> A Agent
6. Which type of LTC coverage is designed to provide relief for the primary caregiver of a long-term care
patient?
A
Adult Day Care B Hospice
Care C Respite Care D
Home Health Care:
Answer>C Respite Care
7. Hank, an auto mechanic, had an accident in his garage. He was unconscious for several hours and he awoke in
the hospital with a broken leg and missing an arm. His disability would be.
A
Partial, permanent B Total,
temporary C
Total, permanent D Partial,
temporary:
4/
AZ LIFE & HEALTH EXAM QUESTIONS WITH CORRECT ANSWERS
2026 ACTUAL VERSION
1. Federal Health Care Reform under the Patient Protection and Affordable Care Act now supersedes all state
laws and provides coverage for children up to age or longer if
handicapped.
A. 26
B. 22
C. 25
D. 21:
Answer> A. 26
2. Every Health and Disability Income Policymust express theconditions and provisions for .
A
Conditionalcoverage B
Continuation of the contract C Refunds of
premium at maturity D
1/
,2
Policy corrections:
Answer> B Continuation ofthe
contract
3. All of the following are considered Long-Term Care Partnership Policy requirements,
except:
A
Aproducerwhomarketsoroffers to sella Long-Term Care Partnership Policy must provide each prospective applicant
the Pre-purchase Notice
B
A policy sold to an individual who has attained age 76 as of the date of purchase must provide compound annual
inflation protection
C
Aninsurer that issues fordelivery a Long-Term Care Partnership Policy must attach the Post- purchase Notice
D
A policy sold to an individual who has not attained age 61 as of the date of purchase must provide compound annual
inflation protection:
Answer> B
2/
,3
A policy sold to an individual who has attained age 76 as of the date of purchase must provide compound annual inflation
protection
4. The HMO provider is paid a set fee per enrollee, known as a:
A
Provider fee
B
Capitation fee C Servicefee
D Enrolleefee:
Answer> B Capitation fee
5. Other than the applicant, which signature is required on an application?
A
Agent B
Executive officer of the insurer C Beneficiary D
Insurancecommissioner:
3/
,4
Answer> A Agent
6. Which type of LTC coverage is designed to provide relief for the primary caregiver of a long-term care
patient?
A
Adult Day Care B Hospice
Care C Respite Care D
Home Health Care:
Answer>C Respite Care
7. Hank, an auto mechanic, had an accident in his garage. He was unconscious for several hours and he awoke in
the hospital with a broken leg and missing an arm. His disability would be.
A
Partial, permanent B Total,
temporary C
Total, permanent D Partial,
temporary:
4/
