CONNECTICUT LIFE AND HEALTH INSURANCE FINAL
PAPER 2025/2026 QUESTIONS WITH SOLUTIONS GRADED
A+
✔✔A comprehensive major medical health insurance policy contains an Eligible
Expense provision in high identifies the types of health care services that are covered.
All of the following health care services are typically covered except for -
✔✔Experimental and investigative services
✔✔All of these are duties that a producer may be required to perform when delivering
an insurance policy except - ✔✔Leave a conditional receipt with client
✔✔An individual who purchases a modified life insurance policy expects - ✔✔an
improvement in future income
✔✔Which of these must be disclosed in a universal life policy? - ✔✔The policy's
surrender charges
✔✔Major medical plans typically exclude coverage for which of the following benefits? -
✔✔custodial care
✔✔How long can an insurer legally defer paying the cash value of a surrendered life
insurance policy? - ✔✔6 months
✔✔An insured has a contractual agreement which transfers a portion of its risk
exposure to another insurer. What type of contractual arrangement is this? -
✔✔Reinsurance contract
✔✔Which of the following must clearly be illustrated in all sales material for market
value adjusted annuities? - ✔✔The market value adjustment can either be upward or
downward
✔✔Some standard Medicare Supplement policies include which benefit? - ✔✔hospice
care
✔✔Why might it be beneficial for an employee to purchase private disability income
insurance for workplace injuries when he/she is already covered by workers
compensation? - ✔✔The benefits arising from workers compensation claim could be
inadequate to replace the loss of income
✔✔During the sale of life insurance policy, a producer may provide an incomplete
illustration - ✔✔Never
, ✔✔Which statement regarding the certificate of insurance is accurate? - ✔✔It indicates
evidence of an employee's insurance coverage
✔✔A producers failure to proved title and true nature of a policy upon solicitation is an
example of - ✔✔Misrepresentation
✔✔When an insurer markets its Medicare supplement products in Connecticut, which
method is acceptable? - ✔✔Replacing an existing policy with one that has greater
benefits
✔✔Which would be described as a beneficiary designation by class? - ✔✔Children of
the insured
✔✔Life settlement proceeds may be subject to the claims of - ✔✔Creditors
✔✔After an applicant reads and signs an insurance application, he/she should be
conscious of the fact that - ✔✔a false statement could lead to loss of coverage
✔✔A signed good health statement may be requested by a life producer at the time of -
✔✔Policy delivery
✔✔What typically changes at the re-entry option date found in some term life policies? -
✔✔premium
✔✔Rick owns a variable universal life policy and chooses a variable death benefit
option. What will typically happen to the death benefit as a result of this selection?
A. Remain the same
B. Decrease but never increase
C. Increase but never decrease
D. Fluctuate with changes in the cash account - ✔✔D. Fluctuate with changes in the
cash account
✔✔Which of the following does not help determine group health insurance premiums? -
✔✔Income level of group members
✔✔According to ERISA regulations, a summary plan description must be provided to a
new plan member within ______ days of the members eligibility date, - ✔✔90
✔✔Which of the following does not meet the requirements of " skilled nursing care "? -
✔✔Must be provided exclusively in a hospital
PAPER 2025/2026 QUESTIONS WITH SOLUTIONS GRADED
A+
✔✔A comprehensive major medical health insurance policy contains an Eligible
Expense provision in high identifies the types of health care services that are covered.
All of the following health care services are typically covered except for -
✔✔Experimental and investigative services
✔✔All of these are duties that a producer may be required to perform when delivering
an insurance policy except - ✔✔Leave a conditional receipt with client
✔✔An individual who purchases a modified life insurance policy expects - ✔✔an
improvement in future income
✔✔Which of these must be disclosed in a universal life policy? - ✔✔The policy's
surrender charges
✔✔Major medical plans typically exclude coverage for which of the following benefits? -
✔✔custodial care
✔✔How long can an insurer legally defer paying the cash value of a surrendered life
insurance policy? - ✔✔6 months
✔✔An insured has a contractual agreement which transfers a portion of its risk
exposure to another insurer. What type of contractual arrangement is this? -
✔✔Reinsurance contract
✔✔Which of the following must clearly be illustrated in all sales material for market
value adjusted annuities? - ✔✔The market value adjustment can either be upward or
downward
✔✔Some standard Medicare Supplement policies include which benefit? - ✔✔hospice
care
✔✔Why might it be beneficial for an employee to purchase private disability income
insurance for workplace injuries when he/she is already covered by workers
compensation? - ✔✔The benefits arising from workers compensation claim could be
inadequate to replace the loss of income
✔✔During the sale of life insurance policy, a producer may provide an incomplete
illustration - ✔✔Never
, ✔✔Which statement regarding the certificate of insurance is accurate? - ✔✔It indicates
evidence of an employee's insurance coverage
✔✔A producers failure to proved title and true nature of a policy upon solicitation is an
example of - ✔✔Misrepresentation
✔✔When an insurer markets its Medicare supplement products in Connecticut, which
method is acceptable? - ✔✔Replacing an existing policy with one that has greater
benefits
✔✔Which would be described as a beneficiary designation by class? - ✔✔Children of
the insured
✔✔Life settlement proceeds may be subject to the claims of - ✔✔Creditors
✔✔After an applicant reads and signs an insurance application, he/she should be
conscious of the fact that - ✔✔a false statement could lead to loss of coverage
✔✔A signed good health statement may be requested by a life producer at the time of -
✔✔Policy delivery
✔✔What typically changes at the re-entry option date found in some term life policies? -
✔✔premium
✔✔Rick owns a variable universal life policy and chooses a variable death benefit
option. What will typically happen to the death benefit as a result of this selection?
A. Remain the same
B. Decrease but never increase
C. Increase but never decrease
D. Fluctuate with changes in the cash account - ✔✔D. Fluctuate with changes in the
cash account
✔✔Which of the following does not help determine group health insurance premiums? -
✔✔Income level of group members
✔✔According to ERISA regulations, a summary plan description must be provided to a
new plan member within ______ days of the members eligibility date, - ✔✔90
✔✔Which of the following does not meet the requirements of " skilled nursing care "? -
✔✔Must be provided exclusively in a hospital
