AETNA INDIVIDUAL CORE CERTIFICATION
MASTERY TEST EXAMINATION TEST 2026
COMPLETE QUESTIONS AND VERIFIED
SOLUTIONS GRADED A+
⩥ Probationary Period Provision. Answer: specified time requirement;
usually a period of employment that must be satisfied before the
prospective insured is eligible to apply for coverage
⩥ Purpose of probationary period provision. Answer: is to avoid adverse
selection
⩥ Waiver of Premium Rider. Answer: extra premium charge; it waives
premiums as long as the policy owner is disabled starting after a
specified period, such as after the sixth month of disability
⩥ Option to Purchase Additional Insurance Rider. Answer: also known
as guaranteed insurability rider or inflation protection rider; if added for
extra premium charge, it guarantees the insured the option to purchase
additional amounts of insurance at the premium rate for the insured's
attained age without evidence of insurability
, ⩥ Partial Disability Rider. Answer: sometimes called residual disability
rider; if added for an extra premium charge, this provision will pay
benefits to the insured person only after a period of total disability
⩥ Partial Disability Rider pays. Answer: a reduced benefit amount for a
reduced benefit period
⩥ Social Security Disability Benefits (fully insured status). Answer:
contributed to Social Security at least 40 quarters or 10 years
⩥ Social Security Disability Benefits (partially insured status). Answer:
contributed to Social Security at least 20 quarter in the 40 quarters prior
to the disability
⩥ Social Security Disability qualification. Answer: must be expected to
either last 12 months or result in death for a person to qualify for
benefits
⩥ Hospital Indemnity (income) coverage. Answer: it is a supplement to
other coverages and pays a stated benefit amount each day the insured is
confined in an hospital; non-coordinating
⩥ Limited Disease coverage. Answer: It is a supplement to other
coverages and pays benefits only if the insured incurs a disease specified
MASTERY TEST EXAMINATION TEST 2026
COMPLETE QUESTIONS AND VERIFIED
SOLUTIONS GRADED A+
⩥ Probationary Period Provision. Answer: specified time requirement;
usually a period of employment that must be satisfied before the
prospective insured is eligible to apply for coverage
⩥ Purpose of probationary period provision. Answer: is to avoid adverse
selection
⩥ Waiver of Premium Rider. Answer: extra premium charge; it waives
premiums as long as the policy owner is disabled starting after a
specified period, such as after the sixth month of disability
⩥ Option to Purchase Additional Insurance Rider. Answer: also known
as guaranteed insurability rider or inflation protection rider; if added for
extra premium charge, it guarantees the insured the option to purchase
additional amounts of insurance at the premium rate for the insured's
attained age without evidence of insurability
, ⩥ Partial Disability Rider. Answer: sometimes called residual disability
rider; if added for an extra premium charge, this provision will pay
benefits to the insured person only after a period of total disability
⩥ Partial Disability Rider pays. Answer: a reduced benefit amount for a
reduced benefit period
⩥ Social Security Disability Benefits (fully insured status). Answer:
contributed to Social Security at least 40 quarters or 10 years
⩥ Social Security Disability Benefits (partially insured status). Answer:
contributed to Social Security at least 20 quarter in the 40 quarters prior
to the disability
⩥ Social Security Disability qualification. Answer: must be expected to
either last 12 months or result in death for a person to qualify for
benefits
⩥ Hospital Indemnity (income) coverage. Answer: it is a supplement to
other coverages and pays a stated benefit amount each day the insured is
confined in an hospital; non-coordinating
⩥ Limited Disease coverage. Answer: It is a supplement to other
coverages and pays benefits only if the insured incurs a disease specified
