AZ LIFE & HEALTH LICENSE EXAM
Questions with Correct Answers
100% Verified Graded A+
1. GROUP HEALTH INSURANCE USUALLY IS WRITTEN TO COVER?
A. PEOPLE WORKING FOR THE SAME EMPLOYER
B. AT LEAST 100 PEOPLE
C. A MINIMUM OF 75 PEOPLE
D. PEOPLE WHO HAVE NO DEPENDENTS
Answer> A. PEOPLE WORKING FOR THE SAME COMPANY
2. HOW DOES THE MEDICARE SUPPLEMENT AT-HOME RECOVERY SER- VICES BENEFIT
DIFFER FROM THE MEDICARE HOME HEALTH CARE BEN- EFIT?
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
B. MEDICARE SUPPLEMENT BENEFIT COVERS DURABLE MEDICAL EQUIP- MENT
C. MEDICARE SUPPLEMENT BENEFIT IS UNLIMITED
D. MEDICARE SUPPLEMENT BENEFIT COVERS ONLY SKILLED CARE
Answer> A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIV- ING
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,3. THE MAIN INTENT OF THE COSMETIC SURGERY EXCLUSION IS TO BAR COVERAGE
FOR?
A. ELECTIVE SURGERY
B. ACCIDENTAL INJURIES
C. BIRTH DEFECTS
D. SURGERY NOT SUPPORTED BY A SECOND OPINION
Answer> A. ELECTIVE SURGERY
4. WHICH FACTOR AFFECTS THE UNDERWRITING OF DISABILITY INCOME INSURANCE?
A. HOBBIES OF THE INSURED
B. AMOUNT OF LIFE INSURANCE COVERAGE
C. NUMBER OF DEPENDENTS
D. MARITAL STATUS
Answer> A. HOBBIES OF THE INSURED
5. AN EMPLOYEE, SPOUSE, AND TWO CHILDREN ARE COVERED UNDER A GROUP HEALTH
POLICY. HOW MANY CERTIFICATES OF INSURANCE ARE ISSUED TO THE FAMILY?
A. ONE
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,B. TWO
C. THREE
D. FOUR
Answer> A. ONE
6. ALL OF THE FOLLOWING ARE TYPICAL BENEFIT PERIODS FOR LONG-TERM
DISABILITY INCOME INSURANCE EXCEPT?
A. ONE YEAR
B. FIVE YEARS
C. TEN YEARS
D. TO AGE 60
Answer> A. ONE YEAR
7. IN A GROUP HEALTH INSURANCE, A GROUP WITH A HIGHER AVERAGE AGE USUALLY
HAS?
A. ABOVE AVERAGE MATERNITY CLAIMS
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
C. LITTLE OR NO EXPOSURE TO DISABILITY
D. BELOW AVERAGE RATES
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, Answer> B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
8. EMPLOYER-SPONSORED GROUP LONG-TERM CARE INSURANCE GEN- ERALLY HAS
ALL OF THE FOLLOWING CHARACTERISTICS EXCEPT?
A. NONCANCELABLE
B. RENEWABLE
C. CONVERTIBLE UPON LEAVING EMPLOYMENT
D. MORE ECONOMICAL THAN INDIVIDUAL PLANS
Answer> A. NON-CANCELABLE
9. WHICH STATEMENT ABOUT GROUP HEALTH INSURANCE IS TRUE?
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP
PLAN
B. THE INSURER ISSUES A POLICY TO EACH INSURED MEMBER IN THE GROUP
C. A MEDICAL QUESTIONNAIRE IS REQUIRED OF EACH INDIVIDUAL TO BE COVERED BY
THE CONTRACT
D. GROUP POLICIES ARE MORE EXPENSIVE THAN INDIVIDUAL POLICIES BECAUSE THEY
PROVIDE BROADER BENEFITS
Answer> A. THE INSURER'S CON- TRACT IS WITH THE ORGANIZATION SPONSORING THE
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Questions with Correct Answers
100% Verified Graded A+
1. GROUP HEALTH INSURANCE USUALLY IS WRITTEN TO COVER?
A. PEOPLE WORKING FOR THE SAME EMPLOYER
B. AT LEAST 100 PEOPLE
C. A MINIMUM OF 75 PEOPLE
D. PEOPLE WHO HAVE NO DEPENDENTS
Answer> A. PEOPLE WORKING FOR THE SAME COMPANY
2. HOW DOES THE MEDICARE SUPPLEMENT AT-HOME RECOVERY SER- VICES BENEFIT
DIFFER FROM THE MEDICARE HOME HEALTH CARE BEN- EFIT?
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
B. MEDICARE SUPPLEMENT BENEFIT COVERS DURABLE MEDICAL EQUIP- MENT
C. MEDICARE SUPPLEMENT BENEFIT IS UNLIMITED
D. MEDICARE SUPPLEMENT BENEFIT COVERS ONLY SKILLED CARE
Answer> A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIV- ING
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,3. THE MAIN INTENT OF THE COSMETIC SURGERY EXCLUSION IS TO BAR COVERAGE
FOR?
A. ELECTIVE SURGERY
B. ACCIDENTAL INJURIES
C. BIRTH DEFECTS
D. SURGERY NOT SUPPORTED BY A SECOND OPINION
Answer> A. ELECTIVE SURGERY
4. WHICH FACTOR AFFECTS THE UNDERWRITING OF DISABILITY INCOME INSURANCE?
A. HOBBIES OF THE INSURED
B. AMOUNT OF LIFE INSURANCE COVERAGE
C. NUMBER OF DEPENDENTS
D. MARITAL STATUS
Answer> A. HOBBIES OF THE INSURED
5. AN EMPLOYEE, SPOUSE, AND TWO CHILDREN ARE COVERED UNDER A GROUP HEALTH
POLICY. HOW MANY CERTIFICATES OF INSURANCE ARE ISSUED TO THE FAMILY?
A. ONE
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,B. TWO
C. THREE
D. FOUR
Answer> A. ONE
6. ALL OF THE FOLLOWING ARE TYPICAL BENEFIT PERIODS FOR LONG-TERM
DISABILITY INCOME INSURANCE EXCEPT?
A. ONE YEAR
B. FIVE YEARS
C. TEN YEARS
D. TO AGE 60
Answer> A. ONE YEAR
7. IN A GROUP HEALTH INSURANCE, A GROUP WITH A HIGHER AVERAGE AGE USUALLY
HAS?
A. ABOVE AVERAGE MATERNITY CLAIMS
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
C. LITTLE OR NO EXPOSURE TO DISABILITY
D. BELOW AVERAGE RATES
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, Answer> B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
8. EMPLOYER-SPONSORED GROUP LONG-TERM CARE INSURANCE GEN- ERALLY HAS
ALL OF THE FOLLOWING CHARACTERISTICS EXCEPT?
A. NONCANCELABLE
B. RENEWABLE
C. CONVERTIBLE UPON LEAVING EMPLOYMENT
D. MORE ECONOMICAL THAN INDIVIDUAL PLANS
Answer> A. NON-CANCELABLE
9. WHICH STATEMENT ABOUT GROUP HEALTH INSURANCE IS TRUE?
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP
PLAN
B. THE INSURER ISSUES A POLICY TO EACH INSURED MEMBER IN THE GROUP
C. A MEDICAL QUESTIONNAIRE IS REQUIRED OF EACH INDIVIDUAL TO BE COVERED BY
THE CONTRACT
D. GROUP POLICIES ARE MORE EXPENSIVE THAN INDIVIDUAL POLICIES BECAUSE THEY
PROVIDE BROADER BENEFITS
Answer> A. THE INSURER'S CON- TRACT IS WITH THE ORGANIZATION SPONSORING THE
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