LOUISIANA LIFE AND HEALTH INSURANCE EXAM
NEWEST 2026 WITH 300 Complete Questions And
100%Correct Detailed Answers (Verified And Graded
A+||Brand New!!
Which of the following are the main factors taken into
account when calculating residual disability benefits?
A. Employee's full-time status and length of disability
B. Present earnings and standard cost of living
C. Present earnings and earnings prior to disability
,D. Earnings prior to disability and the length of disability -
ANSWER-C. Present earnings and earnings prior to
disability
In order to be eligible for group health insurance through
an employer, an employee must typically work full-time
and must have devoted one to three months of service. In
this case, the employee has been with the employer long
enough, but he does not work enough hours per week.
An association could buy group insurance for its members
if it meets all of the following requirements EXCEPT
A. Is contributory.
,B. Has at least 50 members.
C. Has a constitution and by-laws.
D. Holds annual meetings. - ANSWER-B. Has at least 50
members.
All of the above characteristics would make an association
group eligible for buying group insurance, except the
group must have at least 100 members.
In a group policy, who is issued a certificate of insurance?
, A. The health care provider
B. The insurance company
C. The employer
D. The individual insured - ANSWER-D. The individual
insured
The individuals covered under a group insurance contract
are issued certificates of insurance. The certificate tells
what is covered in the policy, how to file a claim, how long
the coverage will last, and how to convert the policy to an
individual policy.
NEWEST 2026 WITH 300 Complete Questions And
100%Correct Detailed Answers (Verified And Graded
A+||Brand New!!
Which of the following are the main factors taken into
account when calculating residual disability benefits?
A. Employee's full-time status and length of disability
B. Present earnings and standard cost of living
C. Present earnings and earnings prior to disability
,D. Earnings prior to disability and the length of disability -
ANSWER-C. Present earnings and earnings prior to
disability
In order to be eligible for group health insurance through
an employer, an employee must typically work full-time
and must have devoted one to three months of service. In
this case, the employee has been with the employer long
enough, but he does not work enough hours per week.
An association could buy group insurance for its members
if it meets all of the following requirements EXCEPT
A. Is contributory.
,B. Has at least 50 members.
C. Has a constitution and by-laws.
D. Holds annual meetings. - ANSWER-B. Has at least 50
members.
All of the above characteristics would make an association
group eligible for buying group insurance, except the
group must have at least 100 members.
In a group policy, who is issued a certificate of insurance?
, A. The health care provider
B. The insurance company
C. The employer
D. The individual insured - ANSWER-D. The individual
insured
The individuals covered under a group insurance contract
are issued certificates of insurance. The certificate tells
what is covered in the policy, how to file a claim, how long
the coverage will last, and how to convert the policy to an
individual policy.
