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Accident and Health Insurance Agent (Broker) Practice Exam with complete
Questions and Answers
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. - answerYes, however; she would have
a permanent premium penalty when she does enroll
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 - answerThe patient
has been discharged from a prior stay and 60 days have elapsed
What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
,3.Self insurers.
4.Assessment insurers. - answerSelf 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 - answerIntensive care
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 - answer$24,000
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. - answerHis
family will receive no benefits, since he was in the act of committing a felony
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 - answerInjury 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 - answerIndemnity plan
Under what conditions is the death benefit (principal sum) payable under an Accidental Death
and Dismemberment (AD&D) policy?
1.The insured dies from a grave illness
2.The insured dies from natural causes
3.The insured dies from an accident
4.All of the above - answerThe insured dies from an accident
, An zinsurance zagent ztold za zmember zof zhis zchurch zwho zhad zrecently zexperienced zseveral
zpersonal zand zfinancial zlosses zthat zhe zcould zsee zthat zshe zgot za zmore zfavorable zrate zon zher
zinsurance zpolicies zthan zher zhealth zand zgeneral zcircumstances zwould zwarrant. zThe zwoman
zhad zbeen zhis zkindergarten zteacher zand zwas za zpillar zin zthe zcommunity's zlife. zHe zwanted
zto zhelp zher. zWhich zof zthe zfollowing zis zFALSE? z
1.The zagent zwas zbreaking zthe zlaw. z
2.The zagent zis zcompassionate. z
3.The zagent zwas zengaging zin zunfair zdiscrimination. z
4.The zagent zwas zengaging zin ztwisting. z- zanswerThe zagent zwas zengaging zin ztwisting. z
z
Which zof zthe zfollowing zis zNOT zconsidered zto zbe zan zunfair zclaims zsettlement zpractice? z
z
1.Knowingly zmisrepresenting zpolicy zprovisions. z
2.Replacing zone zinsurance zpolicy zwith zanother. z
3.Failing zto zpromptly zacknowledge zpertinent zcommunications. z
4.Refusing zto zpay zclaimants zwithout zconducting za zreasonable zinvestigation. z-
zanswerReplacing zone zinsurance zpolicy zwith zanother. z
z
The zpractice zof zusing zmisrepresentation zto zinduce za zpolicyholder zto zreplace za zpolicy zissued
zby zthe zinsurer zthe zproducer zrepresents zis zcalled: z
z
1.twisting. z
2.churning. z
3.intimidation. z
4.misrepresentation. z- zanswerchurning. z
z
All zof zthe zfollowing zacts zare zconsidered zunfair ztrade zpractices zEXCEPT: z
Accident and Health Insurance Agent (Broker) Practice Exam with complete
Questions and Answers
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. - answerYes, however; she would have
a permanent premium penalty when she does enroll
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 - answerThe patient
has been discharged from a prior stay and 60 days have elapsed
What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
,3.Self insurers.
4.Assessment insurers. - answerSelf 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 - answerIntensive care
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 - answer$24,000
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. - answerHis
family will receive no benefits, since he was in the act of committing a felony
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 - answerInjury 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 - answerIndemnity plan
Under what conditions is the death benefit (principal sum) payable under an Accidental Death
and Dismemberment (AD&D) policy?
1.The insured dies from a grave illness
2.The insured dies from natural causes
3.The insured dies from an accident
4.All of the above - answerThe insured dies from an accident
, An zinsurance zagent ztold za zmember zof zhis zchurch zwho zhad zrecently zexperienced zseveral
zpersonal zand zfinancial zlosses zthat zhe zcould zsee zthat zshe zgot za zmore zfavorable zrate zon zher
zinsurance zpolicies zthan zher zhealth zand zgeneral zcircumstances zwould zwarrant. zThe zwoman
zhad zbeen zhis zkindergarten zteacher zand zwas za zpillar zin zthe zcommunity's zlife. zHe zwanted
zto zhelp zher. zWhich zof zthe zfollowing zis zFALSE? z
1.The zagent zwas zbreaking zthe zlaw. z
2.The zagent zis zcompassionate. z
3.The zagent zwas zengaging zin zunfair zdiscrimination. z
4.The zagent zwas zengaging zin ztwisting. z- zanswerThe zagent zwas zengaging zin ztwisting. z
z
Which zof zthe zfollowing zis zNOT zconsidered zto zbe zan zunfair zclaims zsettlement zpractice? z
z
1.Knowingly zmisrepresenting zpolicy zprovisions. z
2.Replacing zone zinsurance zpolicy zwith zanother. z
3.Failing zto zpromptly zacknowledge zpertinent zcommunications. z
4.Refusing zto zpay zclaimants zwithout zconducting za zreasonable zinvestigation. z-
zanswerReplacing zone zinsurance zpolicy zwith zanother. z
z
The zpractice zof zusing zmisrepresentation zto zinduce za zpolicyholder zto zreplace za zpolicy zissued
zby zthe zinsurer zthe zproducer zrepresents zis zcalled: z
z
1.twisting. z
2.churning. z
3.intimidation. z
4.misrepresentation. z- zanswerchurning. z
z
All zof zthe zfollowing zacts zare zconsidered zunfair ztrade zpractices zEXCEPT: z
