PEARSON VUE HEALTH INSURANCE EXAM ACTUAL
EXAM 2026 | ALL QUESTIONS AND CORRECT
ANSWERS | VERIFIED ANSWERS | JUST RELEASED
Any company that furnishes health care services to enrolled members
in return for a fixed sum or prepaid premium is defined as: ---------
CORRECT ANSWER-----------------a health maintenance organization
An insurer doing business in this state must operate under: ---------
CORRECT ANSWER-----------------a certificate of authority
Which of the following statements is CORRECT about health coverage
for an insured's newborn child? ---------CORRECT ANSWER-----------------It
is provided without notice or additional payment for thirty-one days
after birth.
What is the purpose of the North Carolina Life & Health Insurance
Guaranty Association? ---------CORRECT ANSWER-----------------To protect
consumers if an insurance company becomes insolvent by covering
claims up to certain limits.
,What documents are required to apply for a health insurance policy in
North Carolina? ---------CORRECT ANSWER-----------------Proof of identity,
income verification, and any required application forms.
What is the primary purpose of health and accident insurance? ---------
CORRECT ANSWER-----------------To provide coverage for medical
expenses and income loss resulting from illness or injury.
What is an accident policy? ---------CORRECT ANSWER-----------------A
health insurance policy that covers losses caused only by accidental
bodily injuries.
What does comprehensive health insurance typically cover? ---------
CORRECT ANSWER-----------------Both sickness (illness) and accidental
injuries.
An individual appointed by an insurer to solicit applications for a policy
of insurance on its behalf is known as: ---------CORRECT ANSWER----------
-------an insurance producer
,The Insurance Commissioner may revoke or suspend a producer's
license if the producer: ---------CORRECT ANSWER-----------------has
forged another person's name on an insurance application
Under a group health policy, an employee who has been covered under
a company's group health plan for six months and is terminated for
cause MUST be permitted to: ---------CORRECT ANSWER-----------------B.
convert to an individual policy without providing evidence of
insurability
Credit Accident and Health insurance MUST provide coverage for a loss
caused by: ---------CORRECT ANSWER-----------------disability
In order for nonresident applicants to be eligible for an insurance
producer license in this state, they MUST: ---------CORRECT ANSWER-----
------------B. hold a like license in another state
Which of the following persons is authorized to enforce state insurance
laws? ---------CORRECT ANSWER-----------------The Insurance
Commissioner
, An individual may obtain a temporary insurance producer's license
without passing the licensing examination if the individual: ---------
CORRECT ANSWER-----------------is a deceased licensed producer's next
of kin
Which of the following statements is CORRECT about insurance
producers who fail to satisfy the continuing education requirements? ---
------CORRECT ANSWER-----------------D. Their licenses will be suspended.
A producer may be guilty of misrepresentation if the producer: ---------
CORRECT ANSWER-----------------tells an insured the deductible on a
policy is less than it actually is
The major difference between a mutual insurer and a stock insurer is
the: ---------CORRECT ANSWER-----------------B. form of ownership
permitted
An insurer formed under the laws of a state other than this state is
known as: ---------CORRECT ANSWER-----------------a foreign company
EXAM 2026 | ALL QUESTIONS AND CORRECT
ANSWERS | VERIFIED ANSWERS | JUST RELEASED
Any company that furnishes health care services to enrolled members
in return for a fixed sum or prepaid premium is defined as: ---------
CORRECT ANSWER-----------------a health maintenance organization
An insurer doing business in this state must operate under: ---------
CORRECT ANSWER-----------------a certificate of authority
Which of the following statements is CORRECT about health coverage
for an insured's newborn child? ---------CORRECT ANSWER-----------------It
is provided without notice or additional payment for thirty-one days
after birth.
What is the purpose of the North Carolina Life & Health Insurance
Guaranty Association? ---------CORRECT ANSWER-----------------To protect
consumers if an insurance company becomes insolvent by covering
claims up to certain limits.
,What documents are required to apply for a health insurance policy in
North Carolina? ---------CORRECT ANSWER-----------------Proof of identity,
income verification, and any required application forms.
What is the primary purpose of health and accident insurance? ---------
CORRECT ANSWER-----------------To provide coverage for medical
expenses and income loss resulting from illness or injury.
What is an accident policy? ---------CORRECT ANSWER-----------------A
health insurance policy that covers losses caused only by accidental
bodily injuries.
What does comprehensive health insurance typically cover? ---------
CORRECT ANSWER-----------------Both sickness (illness) and accidental
injuries.
An individual appointed by an insurer to solicit applications for a policy
of insurance on its behalf is known as: ---------CORRECT ANSWER----------
-------an insurance producer
,The Insurance Commissioner may revoke or suspend a producer's
license if the producer: ---------CORRECT ANSWER-----------------has
forged another person's name on an insurance application
Under a group health policy, an employee who has been covered under
a company's group health plan for six months and is terminated for
cause MUST be permitted to: ---------CORRECT ANSWER-----------------B.
convert to an individual policy without providing evidence of
insurability
Credit Accident and Health insurance MUST provide coverage for a loss
caused by: ---------CORRECT ANSWER-----------------disability
In order for nonresident applicants to be eligible for an insurance
producer license in this state, they MUST: ---------CORRECT ANSWER-----
------------B. hold a like license in another state
Which of the following persons is authorized to enforce state insurance
laws? ---------CORRECT ANSWER-----------------The Insurance
Commissioner
, An individual may obtain a temporary insurance producer's license
without passing the licensing examination if the individual: ---------
CORRECT ANSWER-----------------is a deceased licensed producer's next
of kin
Which of the following statements is CORRECT about insurance
producers who fail to satisfy the continuing education requirements? ---
------CORRECT ANSWER-----------------D. Their licenses will be suspended.
A producer may be guilty of misrepresentation if the producer: ---------
CORRECT ANSWER-----------------tells an insured the deductible on a
policy is less than it actually is
The major difference between a mutual insurer and a stock insurer is
the: ---------CORRECT ANSWER-----------------B. form of ownership
permitted
An insurer formed under the laws of a state other than this state is
known as: ---------CORRECT ANSWER-----------------a foreign company
