PearsonVue Health Insurance Practice Exam with correct answers 100% 2025/2026

PearsonVue Health Insurance Practice Exam with correct answers 100% 2025/2026 Medicare Part A covers which of the following expenses? - Correct Answer Hospital room and board Which of the following reports may include information obtained by a telephone call to the proposed insured? - Correct Answer Inspection report An individual who has had a heart murmur since birth is likely to be issued an individual disability policy that includes: - Correct Answer an Exclusionary/ Impairment rider On June 1, S purchased a Major Medical policy and paid the initial premium to Producer T. On July 1, Producer T received the policy from the insurance company. The policy contained a Ten-Day Free Look provision. On July 3, Producer T attempted to deliver the policy but found that S was not at home. On July 5, Producer T was able to deliver the policy to S. On July 7, S decided he did not want the policy. S had 10 days from which of the following dates to return the policy to the company and obtain a full premium refund? - Correct Answer July 5 When delivering a policy to a client, a producer should take all of the following actions EXCEPT: - Correct Answer keep the policy in the producer's office for safe-keeping on behalf of the client An applicant for insurance submits an application to an insurer for underwriting but does not forward any premium payment with the application. Legally, the applicant is making: - Correct Answer an inquiry for an offer Which of the following definitions of disability would cover a permanent partial disability? - Correct Answer Residual disability The Elimination Period in most Disability Income policies applies: - Correct Answer to each separate disability Which of the following statements is CORRECT about a Waiver of Premium provision in a Disability Income policy? - Correct An