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Accident and Health Insurance
Agent/Broker Practice Exam
Sally is considering her Medicare options. She understands that to enroll in Medicare
Part B, she will have to pay a monthly premium. Since she is healthy, she is considering
delaying her enrollment until later. Will she be able to enroll at a later date?
1.Yes, she can enroll at anytime in the future
2.Yes, however; she would have a permanent premium penalty when she does enroll
3.No, this is a take or leave it situation
4.Yes, but she would have to show evidence of good health.
Under Medicare Part A, a spell of illness begins again and is subject to a new
deductible for another admission when:
1.The patient has been discharged from a prior stay and 45 days have elapsed
2.The patient has been discharged from a prior stay and 30 days have elapsed
3.The patient has been discharged from a prior stay and 60 days have elapsed
4.The patient has been discharged from a prior stay and 90 days have elapsed
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What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
3.Self insurers.
4.Assessment insurers.
A variety of types of care are provided under a long-term care policy. All of the following
are types of care generally provided EXCEPT:
1.Home health care
2.Intensive care
3.Custodial care
4.Skilled care
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Melvin has a long-term care policy with a 30-day elimination period. The policy has a
daily benefit of $100/day. The policy has a 3-year benefit period. If Melvin is confined to
a nursing home for 9 months, how much in benefits will his policy pay?
1.$27,000
2.$18,000
3.$24,000
4.$17,000
Martin and his friends were at a local tavern celebrating his birthday. Martin left the bar
to drive home, but unfortunately, he was involved in a fatal accident, killing himself and
two other individuals. An autopsy reveals that Martin was well above the legal limit on
his blood alcohol test. Martin's family will receive the following from his Accidental Death
and Dismemberment policy:
1.His family will receive reduced benefits since other deaths were involved.
2.His family will receive the principal sum since this was death
3.His family will receive no benefits, since he was in the act of committing a felony
4.His family will receive no benefits since there was no dismemberment involved.
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An exclusion that always appears in a health policy is:
1.No coverage for drug or alcohol related illness
2.Hernia from an accident
3.Travel outside of the USA
4.Injury in the act of committing a felony
Bruce owns a plan that pays $100 daily benefit for a hospital stay with no deductible.
This kind of policy is known as a (an):
1.Major medical plan
2.Basic plan
3.Indemnity plan
4.Reimbursement plan
Indemnity plan
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Accident
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Agent - Broker Practice Exam Page 1 of 85
Accident and Health Insurance
Agent/Broker Practice Exam
Sally is considering her Medicare options. She understands that to enroll in Medicare
Part B, she will have to pay a monthly premium. Since she is healthy, she is considering
delaying her enrollment until later. Will she be able to enroll at a later date?
1.Yes, she can enroll at anytime in the future
2.Yes, however; she would have a permanent premium penalty when she does enroll
3.No, this is a take or leave it situation
4.Yes, but she would have to show evidence of good health.
Under Medicare Part A, a spell of illness begins again and is subject to a new
deductible for another admission when:
1.The patient has been discharged from a prior stay and 45 days have elapsed
2.The patient has been discharged from a prior stay and 30 days have elapsed
3.The patient has been discharged from a prior stay and 60 days have elapsed
4.The patient has been discharged from a prior stay and 90 days have elapsed
Questions | Verified Answers Study GuideAccident and
Accident
Healthand
Insurance
HealthPage
Insurance
Agent
1 of- Broker
85AgentPractice
- BrokerExam
Practice ExamQuestions | Verified Answers Study Guide
,Passed 2026/2027 Accident and Health Insurance
Accident
Agentand
- Broker
Health
Practice
Insurance
Exam
Agent - Broker Practice Exam Page 2 of 85
What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
3.Self insurers.
4.Assessment insurers.
A variety of types of care are provided under a long-term care policy. All of the following
are types of care generally provided EXCEPT:
1.Home health care
2.Intensive care
3.Custodial care
4.Skilled care
Questions | Verified Answers Study GuideAccident and
Accident
Healthand
Insurance
HealthPage
Insurance
Agent
2 of- Broker
85AgentPractice
- BrokerExam
Practice ExamQuestions | Verified Answers Study Guide
,Passed 2026/2027 Accident and Health Insurance
Accident
Agentand
- Broker
Health
Practice
Insurance
Exam
Agent - Broker Practice Exam Page 3 of 85
Melvin has a long-term care policy with a 30-day elimination period. The policy has a
daily benefit of $100/day. The policy has a 3-year benefit period. If Melvin is confined to
a nursing home for 9 months, how much in benefits will his policy pay?
1.$27,000
2.$18,000
3.$24,000
4.$17,000
Martin and his friends were at a local tavern celebrating his birthday. Martin left the bar
to drive home, but unfortunately, he was involved in a fatal accident, killing himself and
two other individuals. An autopsy reveals that Martin was well above the legal limit on
his blood alcohol test. Martin's family will receive the following from his Accidental Death
and Dismemberment policy:
1.His family will receive reduced benefits since other deaths were involved.
2.His family will receive the principal sum since this was death
3.His family will receive no benefits, since he was in the act of committing a felony
4.His family will receive no benefits since there was no dismemberment involved.
Questions | Verified Answers Study GuideAccident and
Accident
Healthand
Insurance
HealthPage
Insurance
Agent
3 of- Broker
85AgentPractice
- BrokerExam
Practice ExamQuestions | Verified Answers Study Guide
, Passed 2026/2027 Accident and Health Insurance
Accident
Agentand
- Broker
Health
Practice
Insurance
Exam
Agent - Broker Practice Exam Page 4 of 85
An exclusion that always appears in a health policy is:
1.No coverage for drug or alcohol related illness
2.Hernia from an accident
3.Travel outside of the USA
4.Injury in the act of committing a felony
Bruce owns a plan that pays $100 daily benefit for a hospital stay with no deductible.
This kind of policy is known as a (an):
1.Major medical plan
2.Basic plan
3.Indemnity plan
4.Reimbursement plan
Indemnity plan
Questions | Verified Answers Study GuideAccident and
Accident
Healthand
Insurance
HealthPage
Insurance
Agent
4 of- Broker
85AgentPractice
- BrokerExam
Practice ExamQuestions | Verified Answers Study Guide
