1|Page
PEARSON VUE HEALTH INSURANCE EXAM
REVIEW UPDATED 2025 2026 WITH ALL NEW
QUESTIONS AND EXACTLY RIGHT ANSWERS |
A+ QUALITY GUARANTEE
Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income policy?
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums
The insurance policy clause that identifies the contracting parties and defines the
scope and limits of coverage is called the:
Insuring Clause
The Social Security program provides all of the following benefits EXCEPT:
workers compensation
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?
Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Health insurance policies are offered on a "take it or leave it" basis and referred to
as which of the following types of contracts?
Contracts of Adhesion
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What measures are designed to prevent the lapse of a qualified Long-Term Care
insurance policy due to nonpayment of premium?
The insurance company provides a grace period and a third party may be notified
that the premium has not been paid
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which
of the following policy features?
Exclusions
A Health Maintenance Organization (HMO) differs from a traditional insurer in
that an HMO:
emphasizes preventative medicine
An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
an Exclusionary/Impairment rider
Which of the following types of provisions guarantees renewability to a specified
date or age unless certain specified events occur?
Conditionally Renewable
PEARSON VUE HEALTH INSURANCE EXAM
REVIEW UPDATED 2025 2026 WITH ALL NEW
QUESTIONS AND EXACTLY RIGHT ANSWERS |
A+ QUALITY GUARANTEE
Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income policy?
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums
The insurance policy clause that identifies the contracting parties and defines the
scope and limits of coverage is called the:
Insuring Clause
The Social Security program provides all of the following benefits EXCEPT:
workers compensation
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?
Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Health insurance policies are offered on a "take it or leave it" basis and referred to
as which of the following types of contracts?
Contracts of Adhesion
, 2|Page
What measures are designed to prevent the lapse of a qualified Long-Term Care
insurance policy due to nonpayment of premium?
The insurance company provides a grace period and a third party may be notified
that the premium has not been paid
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which
of the following policy features?
Exclusions
A Health Maintenance Organization (HMO) differs from a traditional insurer in
that an HMO:
emphasizes preventative medicine
An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
an Exclusionary/Impairment rider
Which of the following types of provisions guarantees renewability to a specified
date or age unless certain specified events occur?
Conditionally Renewable
