NEVADA LIFE AND HEALTH MAIN 2026 SET
QUESTIONS AND ANSWERS SURE A+
✔✔When does coverage apply for a group disability income insurance? - ✔✔Both on
and off the job
✔✔What must Long-Term care policies include? - ✔✔Alzheimer's disease
✔✔What type of care is Respite care? - ✔✔Relief for a major care giver
✔✔Most Long-Term Care plans have... - ✔✔Guaranteed renewability
✔✔In Long-Term Care insurance, what type of care is provided with intermediate care?
- ✔✔Occasional nursing or rehabilitative care
✔✔In Long-Term Care coverage, if the elimination period get shorter what does the
premium do? - ✔✔The premium gets higher
✔✔What type of dental plan is incorporated into a major medical expense plan? -
✔✔Integrated dental plan
✔✔How does an employee qualify for COBRA? - ✔✔Any termination of employment for
reasons other than misconduct
✔✔What type of hospital policy pays a fixed amount each day that the insured is in the
hospital? - ✔✔Indemnity
✔✔How long is the grace period for weekly premium policies or industrial policies? -
✔✔7 days for weekly premium policies
✔✔How long is the grace period for monthly premium policies? - ✔✔10 days for
monthly premium policies
, ✔✔How long is the grace period for annual or other modes of premium policies? -
✔✔31 days for any other premium policies
✔✔Does a reinstated policy provide immediate coverage for an illness? - ✔✔No
✔✔What provision would prevent an insurance company from paying a reimbursement
claim to someone other than the policyowner? - ✔✔Payment of Claims
✔✔How soon following the occurrence of a covered loss must an insured submit written
proof of such loss to the insurance company? - ✔✔Within 90 days to 1 year
✔✔What provision states that the insurance company must pay Medical Expense
claims immediately? - ✔✔Time of Payment of Claims
✔✔What is does the Insuring Clause do? - ✔✔It identifies the agreement between the
insured and the insurance company and the loss covered.
✔✔What does the Insuring Clause of a disability policy not include? - ✔✔The method of
premium payment
✔✔In respect to the Consideration Clause, which of the following is consideration on the
part of the insurer? - ✔✔The insurer promises to pay in accordance with the contract
terms.
✔✔A Waiver of Premium Provision may be included with which kind of health insurance
policy? - ✔✔A Disability Income policy.
✔✔What must Medicare Supplement policies and Long-Term Care policies be written
as? - ✔✔A guaranteed renewable contract.
✔✔According to the Rights of Renewability Rider for cancellable policies what is untrue
about the cancellation of an individual insurance policy? - ✔✔Any unearned premiums
are retained by the insurance company.
✔✔What is not a feature of a guaranteed renewable provision? - ✔✔The insurer can
increase the policy premium on a individual basis.
✔✔What health insurance provision describes the insured's right to cancel coverage? -
✔✔The Renewal Provision.
✔✔The premium charge for exercising the guaranteed insurability rider is based upon
the insured's what? - ✔✔The attained age.
QUESTIONS AND ANSWERS SURE A+
✔✔When does coverage apply for a group disability income insurance? - ✔✔Both on
and off the job
✔✔What must Long-Term care policies include? - ✔✔Alzheimer's disease
✔✔What type of care is Respite care? - ✔✔Relief for a major care giver
✔✔Most Long-Term Care plans have... - ✔✔Guaranteed renewability
✔✔In Long-Term Care insurance, what type of care is provided with intermediate care?
- ✔✔Occasional nursing or rehabilitative care
✔✔In Long-Term Care coverage, if the elimination period get shorter what does the
premium do? - ✔✔The premium gets higher
✔✔What type of dental plan is incorporated into a major medical expense plan? -
✔✔Integrated dental plan
✔✔How does an employee qualify for COBRA? - ✔✔Any termination of employment for
reasons other than misconduct
✔✔What type of hospital policy pays a fixed amount each day that the insured is in the
hospital? - ✔✔Indemnity
✔✔How long is the grace period for weekly premium policies or industrial policies? -
✔✔7 days for weekly premium policies
✔✔How long is the grace period for monthly premium policies? - ✔✔10 days for
monthly premium policies
, ✔✔How long is the grace period for annual or other modes of premium policies? -
✔✔31 days for any other premium policies
✔✔Does a reinstated policy provide immediate coverage for an illness? - ✔✔No
✔✔What provision would prevent an insurance company from paying a reimbursement
claim to someone other than the policyowner? - ✔✔Payment of Claims
✔✔How soon following the occurrence of a covered loss must an insured submit written
proof of such loss to the insurance company? - ✔✔Within 90 days to 1 year
✔✔What provision states that the insurance company must pay Medical Expense
claims immediately? - ✔✔Time of Payment of Claims
✔✔What is does the Insuring Clause do? - ✔✔It identifies the agreement between the
insured and the insurance company and the loss covered.
✔✔What does the Insuring Clause of a disability policy not include? - ✔✔The method of
premium payment
✔✔In respect to the Consideration Clause, which of the following is consideration on the
part of the insurer? - ✔✔The insurer promises to pay in accordance with the contract
terms.
✔✔A Waiver of Premium Provision may be included with which kind of health insurance
policy? - ✔✔A Disability Income policy.
✔✔What must Medicare Supplement policies and Long-Term Care policies be written
as? - ✔✔A guaranteed renewable contract.
✔✔According to the Rights of Renewability Rider for cancellable policies what is untrue
about the cancellation of an individual insurance policy? - ✔✔Any unearned premiums
are retained by the insurance company.
✔✔What is not a feature of a guaranteed renewable provision? - ✔✔The insurer can
increase the policy premium on a individual basis.
✔✔What health insurance provision describes the insured's right to cancel coverage? -
✔✔The Renewal Provision.
✔✔The premium charge for exercising the guaranteed insurability rider is based upon
the insured's what? - ✔✔The attained age.
