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LOUISIANA LIFE AND HEALTH INSURANCE EXAM NEWEST
2025/2026 NEWEST ACTUAL EXAM WITH COMPLETE
QUESTIONS AND VERIFIED ANSWERS |ALREADY GRADED
A+|
Underwriting a group health insurance plan that is paid for by the
employer requires all of the following EXCEPT - ANSWER-
Individual members of the group may select the level of benefits
for their own coverage
All of the following are differences between individual and group
health insurance EXCEPT - ANSWER-Individual insurance does
not require medical examinations, while group insurance does
require medical examinations.
All of the following are true about group disability income
insurance EXCEPT - ANSWER-Coverage applied both on and off
the job
Group disability income insurance - ANSWER-Employees who
are injured on the job are covered by Workers Compensation
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insurance. Group disability income insurance is designed to cover
employees only while they are off the job, so the coverage is
considered to be nonoccupational in nature.
The annual contribution limit of a Dependent Care Flexible
Spending Account is set by - ANSWER-The IRS
Who determines the edibility and contribution limits of an HRA -
ANSWER-The employer
Who determines the eligibility and contribution limits in a HRA? -
ANSWER-The employer determines both
Which of the following is true of a PPO? - ANSWER-Its goal is to
channel patients to providers that discount services
An HSA holder who is 65 years old decides to use the money in
the account for non-health expenses. Which of the following is
true? - ANSWER-There will be tax
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A health insurance policy that pays a lump sum if the insured
suffers a heart attack or stroke is known as - ANSWER-Critical
Illness
Which of the following is NOT true regarding a flexible spending
account? - ANSWER-It does not have limits on contributions
If a dental plan is integrated, it is combined with what type of
plan? - ANSWER-Medical
Which statement accurately describes group disability income
insurance? - ANSWER-The extent of benefits is determined by
the insured's income.
Bethany studies in England for a semester. While she is there,
she is involved in a train accident that leaves her disabled. If
Bethany owns a general disability policy, what will be the extent of
benefits that she receives? - ANSWER-None
LOUISIANA LIFE AND HEALTH INSURANCE EXAM NEWEST
2025/2026 NEWEST ACTUAL EXAM WITH COMPLETE
QUESTIONS AND VERIFIED ANSWERS |ALREADY GRADED
A+|
Underwriting a group health insurance plan that is paid for by the
employer requires all of the following EXCEPT - ANSWER-
Individual members of the group may select the level of benefits
for their own coverage
All of the following are differences between individual and group
health insurance EXCEPT - ANSWER-Individual insurance does
not require medical examinations, while group insurance does
require medical examinations.
All of the following are true about group disability income
insurance EXCEPT - ANSWER-Coverage applied both on and off
the job
Group disability income insurance - ANSWER-Employees who
are injured on the job are covered by Workers Compensation
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insurance. Group disability income insurance is designed to cover
employees only while they are off the job, so the coverage is
considered to be nonoccupational in nature.
The annual contribution limit of a Dependent Care Flexible
Spending Account is set by - ANSWER-The IRS
Who determines the edibility and contribution limits of an HRA -
ANSWER-The employer
Who determines the eligibility and contribution limits in a HRA? -
ANSWER-The employer determines both
Which of the following is true of a PPO? - ANSWER-Its goal is to
channel patients to providers that discount services
An HSA holder who is 65 years old decides to use the money in
the account for non-health expenses. Which of the following is
true? - ANSWER-There will be tax
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A health insurance policy that pays a lump sum if the insured
suffers a heart attack or stroke is known as - ANSWER-Critical
Illness
Which of the following is NOT true regarding a flexible spending
account? - ANSWER-It does not have limits on contributions
If a dental plan is integrated, it is combined with what type of
plan? - ANSWER-Medical
Which statement accurately describes group disability income
insurance? - ANSWER-The extent of benefits is determined by
the insured's income.
Bethany studies in England for a semester. While she is there,
she is involved in a train accident that leaves her disabled. If
Bethany owns a general disability policy, what will be the extent of
benefits that she receives? - ANSWER-None
