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KENTUCKY HEALTH INSURANCE ACTUAL
EXAM PREP 2026 ALL QUESTIONS AND
CORRECT DETAILED ANSWERS ALREADY A
GRADED WITH EXPERT FEEDBACK |NEW AND
REVISED|INSTANT DOWNLOAD
Which part of medicare requires a premium payment by the most
eligible participants?
A. Part A, basic hospice insurance
B. Part B, supplementary medical insurance
C. Respite Care
D. All of the above - ANSWER- D. All of the above
Select the correct statement about long term care policies
A. ADLs are not generally a consideration under the policies
B. Most LTC policies are guaranteed renewable ip to age 70, after which
they recertifications to optionally renewable prices
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C. Present policies are more likely to pay benefits regardless of the level
of care required by the insured
D. Virtually all LTC policies require prior hospitalization before benefits
will be paid - ANSWER- C. Present policies are more likely to pay
benefits regardless of the level of care required by the insured
In noncontributory group plans, how many eligible employees must be
covered by the plan?
A. At least 50%
B. Usually 75% or more
C. At least 90%
D. 100% - ANSWER- D. 100%
Brenda Names her husband as the beneficiary of the accidental death
benefit in her health policy. She has relinquished her right to change the
beneficiary designation. According to Required Provision 12, Brenda's
husband is
A. An irrevocable beneficiary
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B. Revocable Beneficiary
C. Contingent Beneficiary
D. A tertiary beneficiary - ANSWER- A. An irrevocable beneficiary
Under a credit health policy, what is the maximum amount of any
accidental death benefit included?
A. 20,000
B. the amount of the oringal indebtedness
C. The amount of the outstanding indebtedness at any given time
D. A specified multiple of the monthly loan payment - ANSWER- A.
20,000
The factor in premium computation that has to do with the record
keeping and statistical analysis insurance companies preform is
A. Expense Loading
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B. Reserves
C. Experience
D. Policy Fees - ANSWER- B. Reserves
Before Cranston was disabled, he was a full-time engineer earning about
70,000 annually. Now, two years later he is able to work part-time.
earning about 25,000 annually. It is likely that Cranston would be
classified as
A. totally and permanently disabled
B. recurrently disabled
C. partially disabled
D. not disabled at all - ANSWER- C. Partially Disabled
Select the correct statement about converting from a family policy to an
individual policy
A. Usually, a conversion may be made without evidence of insurability
if the individual does within 31 days after the family coverage ends
KENTUCKY HEALTH INSURANCE ACTUAL
EXAM PREP 2026 ALL QUESTIONS AND
CORRECT DETAILED ANSWERS ALREADY A
GRADED WITH EXPERT FEEDBACK |NEW AND
REVISED|INSTANT DOWNLOAD
Which part of medicare requires a premium payment by the most
eligible participants?
A. Part A, basic hospice insurance
B. Part B, supplementary medical insurance
C. Respite Care
D. All of the above - ANSWER- D. All of the above
Select the correct statement about long term care policies
A. ADLs are not generally a consideration under the policies
B. Most LTC policies are guaranteed renewable ip to age 70, after which
they recertifications to optionally renewable prices
,2|Page
C. Present policies are more likely to pay benefits regardless of the level
of care required by the insured
D. Virtually all LTC policies require prior hospitalization before benefits
will be paid - ANSWER- C. Present policies are more likely to pay
benefits regardless of the level of care required by the insured
In noncontributory group plans, how many eligible employees must be
covered by the plan?
A. At least 50%
B. Usually 75% or more
C. At least 90%
D. 100% - ANSWER- D. 100%
Brenda Names her husband as the beneficiary of the accidental death
benefit in her health policy. She has relinquished her right to change the
beneficiary designation. According to Required Provision 12, Brenda's
husband is
A. An irrevocable beneficiary
,3|Page
B. Revocable Beneficiary
C. Contingent Beneficiary
D. A tertiary beneficiary - ANSWER- A. An irrevocable beneficiary
Under a credit health policy, what is the maximum amount of any
accidental death benefit included?
A. 20,000
B. the amount of the oringal indebtedness
C. The amount of the outstanding indebtedness at any given time
D. A specified multiple of the monthly loan payment - ANSWER- A.
20,000
The factor in premium computation that has to do with the record
keeping and statistical analysis insurance companies preform is
A. Expense Loading
, 4|Page
B. Reserves
C. Experience
D. Policy Fees - ANSWER- B. Reserves
Before Cranston was disabled, he was a full-time engineer earning about
70,000 annually. Now, two years later he is able to work part-time.
earning about 25,000 annually. It is likely that Cranston would be
classified as
A. totally and permanently disabled
B. recurrently disabled
C. partially disabled
D. not disabled at all - ANSWER- C. Partially Disabled
Select the correct statement about converting from a family policy to an
individual policy
A. Usually, a conversion may be made without evidence of insurability
if the individual does within 31 days after the family coverage ends
