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Ohio life and health Questions and
Correct Answers/ Latest Update / Already
Graded
Confidentiality of health information (as stated by Ohio HIC laws)
applies to information supplied by
Ans: Both by the covered individual and by providers
An agent has committed an insurance crime that violates US CODE
1033 (interstate commerce). Who would be responsible for the
prosecution of this crime
Ans: US attorney general
A nonparticipating policy will
Ans: not pay dividend
What is the elimination period of an individual disability policy
Ans: Time period a disabled person must wait before benefits
are paid
Which of these is not considered a supplemental health insuring
coronation (HIC) service
All rights reserved © 2025/ 2026 |
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Ans: Outpatient medical services
What are an applicant's statements concerning occupation, hobbies,
and personal health history regarded as?
Ans: representation
All of these are characteristics of a universal life insurance policy except
Flexible death benefit
Fixed surrender value
Flexible premiums
Builds cash value
Ans: Fixed surrender value
Which of the following does coordination of benefits allow
Ans: Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
Advertisements for accident and heath policies that both cover a
stated illness must display a statement that the
All rights reserved © 2025/ 2026 |
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Ans: Policy is limited
Which of the following is present when an applicant stands to lose
value if the insured dies
Ans: insurable interest
During the accumulation period, who can surrender an annuity?
Ans: Policyowner
What type of policy would only provide coverage for specific types of
illnesses (cancer, stroke, etc)?
Ans: Dread disease insurance
Who provides all preventative and routine medical care given to a
health insuring corporation (HIC) member
Ans: Primary care physician
An error was made on Mary's life insurance application. Which of the
following areas are errors commonly made on applications for which
the incontestable clause does NOT apply?
All rights reserved © 2025/ 2026 |
, Page |4
Marital status
Age
Address
Income
Ans: age
Which of the following is not a type of Medicare advantage plan?
Health maintenance organization (HMO)
Preferred provider organization (PPO)
Private fee for services (PFFS)
Ans: Social Security Disability Income (SSDI)
All of these are considered forms of advertising except
Ans: An insurers am best rating
All rights reserved © 2025/ 2026 |
Ohio life and health Questions and
Correct Answers/ Latest Update / Already
Graded
Confidentiality of health information (as stated by Ohio HIC laws)
applies to information supplied by
Ans: Both by the covered individual and by providers
An agent has committed an insurance crime that violates US CODE
1033 (interstate commerce). Who would be responsible for the
prosecution of this crime
Ans: US attorney general
A nonparticipating policy will
Ans: not pay dividend
What is the elimination period of an individual disability policy
Ans: Time period a disabled person must wait before benefits
are paid
Which of these is not considered a supplemental health insuring
coronation (HIC) service
All rights reserved © 2025/ 2026 |
, Page |2
Ans: Outpatient medical services
What are an applicant's statements concerning occupation, hobbies,
and personal health history regarded as?
Ans: representation
All of these are characteristics of a universal life insurance policy except
Flexible death benefit
Fixed surrender value
Flexible premiums
Builds cash value
Ans: Fixed surrender value
Which of the following does coordination of benefits allow
Ans: Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
Advertisements for accident and heath policies that both cover a
stated illness must display a statement that the
All rights reserved © 2025/ 2026 |
, Page |3
Ans: Policy is limited
Which of the following is present when an applicant stands to lose
value if the insured dies
Ans: insurable interest
During the accumulation period, who can surrender an annuity?
Ans: Policyowner
What type of policy would only provide coverage for specific types of
illnesses (cancer, stroke, etc)?
Ans: Dread disease insurance
Who provides all preventative and routine medical care given to a
health insuring corporation (HIC) member
Ans: Primary care physician
An error was made on Mary's life insurance application. Which of the
following areas are errors commonly made on applications for which
the incontestable clause does NOT apply?
All rights reserved © 2025/ 2026 |
, Page |4
Marital status
Age
Address
Income
Ans: age
Which of the following is not a type of Medicare advantage plan?
Health maintenance organization (HMO)
Preferred provider organization (PPO)
Private fee for services (PFFS)
Ans: Social Security Disability Income (SSDI)
All of these are considered forms of advertising except
Ans: An insurers am best rating
All rights reserved © 2025/ 2026 |
