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PEARSON VUE NATIONAL HEALTH INSURANCE EXAM
NEWEST 2025/2026 NEWEST ACTUAL EXAM WITH
COMPLETE QUESTIONS AND VERIFIED ANSWERS
|ALREADY GRADED A+|
An applicant for insurance submits an application to an insurer for
underwriting but does not forward any premium payment with the
application. Legally, the applicant is making:
A. an inquiry for an offer
B. an offer
C. a counteroffer
D. an acceptance - ANSWER-an inquiry for an offer
A group disability income policy can be recognized by which of
the following characteristics?
A. Beneficiary designation
B. COBRA continuation
C. No medical underwriting
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D. Unlimited benefits - ANSWER-No medical underwriting
Charges for which of the following items is NOT considered a
covered expense under a Medicare Supplement policy (Part B)?
A. Ambulance services
B. Physicians' services
C. Dental services
D. Oxygen tanks - ANSWER-Dental services
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
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D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-Fair Credit Reporting Act (Insurance
Information and Privacy Protection Act)
The purpose of the Medical Information Bureau (MIB) is to:
A. recommend the premium rates for health policies issued to
substandard risks
B. share medical data among member companies
C. provide background data for large group health plans
D. provide actuarial data on dread diseases - ANSWER-share
medical data among member companies
An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous
occupation and fails to notify the insurer of the change. One year
later, the insured becomes disabled. The insurer will most likely
take which of the following actions?
A. Cancel the policy and refund one year's premiums
PEARSON VUE NATIONAL HEALTH INSURANCE EXAM
NEWEST 2025/2026 NEWEST ACTUAL EXAM WITH
COMPLETE QUESTIONS AND VERIFIED ANSWERS
|ALREADY GRADED A+|
An applicant for insurance submits an application to an insurer for
underwriting but does not forward any premium payment with the
application. Legally, the applicant is making:
A. an inquiry for an offer
B. an offer
C. a counteroffer
D. an acceptance - ANSWER-an inquiry for an offer
A group disability income policy can be recognized by which of
the following characteristics?
A. Beneficiary designation
B. COBRA continuation
C. No medical underwriting
, Page |2
D. Unlimited benefits - ANSWER-No medical underwriting
Charges for which of the following items is NOT considered a
covered expense under a Medicare Supplement policy (Part B)?
A. Ambulance services
B. Physicians' services
C. Dental services
D. Oxygen tanks - ANSWER-Dental services
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
, Page |3
D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-Fair Credit Reporting Act (Insurance
Information and Privacy Protection Act)
The purpose of the Medical Information Bureau (MIB) is to:
A. recommend the premium rates for health policies issued to
substandard risks
B. share medical data among member companies
C. provide background data for large group health plans
D. provide actuarial data on dread diseases - ANSWER-share
medical data among member companies
An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous
occupation and fails to notify the insurer of the change. One year
later, the insured becomes disabled. The insurer will most likely
take which of the following actions?
A. Cancel the policy and refund one year's premiums
