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GEORGIA LIFE AND HEALTH INSURANCE EXAM
2025 LATEST TEST BANK WITH 750 EXAM PREP
QUESTIONS AND CORRECT ANSWERS/ GA LIFE &
HEALTH INSURANCE TEST 2025 (NEWEST!)
Accident - ..ANSWER...✓✓ An unplanned unforseen
event which occurs suddenly at an unspecified place
Accident insurance - ..ANSWER...✓✓ A type of insurance
that protects the insured against loss due to an accidental
bodily injury
Accidental bodily injury - ..ANSWER...✓✓ Unplanned
unforseen traumatic injury to the body
Accidental Death and Dismemberment - ..ANSWER...✓✓
An insurance policy which pays a specified number or
specified multiple of the insurer's benefit if the insured
dies, loses his/her sight, or loses two limbs due to an
accident.
Acquired Immunodeficiency Symdrome - ..ANSWER...✓✓
An infectious and incurable disease caused by the human
immunodeficiency virus (hiv)
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Activities of daily living - ..ANSWER...✓✓ Activities
individuals must do every day such as moving about,
getting dressed, eating, bathing, etc.
Actual charge - ..ANSWER...✓✓ The amount a physician
or supplier actually bills for a particular service or
supply.
Adhesion - ..ANSWER...✓✓ A contract offered on a "take
it or leave it" basis by an insured, in which the insured's
only option is to accept or reject the contract. Any
ambiguities in the contract will be settled in favor of the
imsured.
Admitted (Authorized) Insurer - ..ANSWER...✓✓ An
insurance company authorized and licensed to transact
business in a particular state.
Adult Day Care - ..ANSWER...✓✓ A program for impaired
adults that attempts to meet their health, social, and
functional needs in a setting away from their homes.
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Adverse Selection - ..ANSWER...✓✓ The tendency of
risks witha higher probability of loss to purchase and
maintain insurance more often than the risks who
present lower probability
Agent - ..ANSWER...✓✓ An individual who is licensed to
sell, negotiate, or effect insurance contracts on behalf of
an insurer.
Aleatory - ..ANSWER...✓✓ A contract in which
participating parties exchange unequal amounts.
Insurance contracts are aleatory in that the amount the
insured will pay in premiums is unequal to the amount
the insurer will pay in the event of a loss.
Alien Insurer - ..ANSWER...✓✓ An insurance company
that is incorporated outside the United States.
Alzheimer's Disease - ..ANSWER...✓✓ A disease that
causes the victim to become dysfunctional due to
degeneration of brain cells and severe memory loss.
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Ancillary - ..ANSWER...✓✓ Additional, miscellaneous
services provided by a hospital, such as x-rays,
anesthesia, and lab work, but not hospital room and
board expenses.
Apparent Authority - ..ANSWER...✓✓ The appearance or
the assumption of authority based on the actions, words,
or deeds of the principal or because of circumstances the
principal created.
Approved Amount - ..ANSWER...✓✓ The amount
Medicare determines to be reasonable for a service that
is covered under part B of Medicare.
Assignment - ..ANSWER...✓✓ A claim to a provider or
medical supplier to receive payments directly from
Medicare.
Attained Age - ..ANSWER...✓✓ The age of the insured at
a determined date.
Attending Physician Statement (APS) - ..ANSWER...✓✓ A
statement usually obtained from the applicant's doctor.
GEORGIA LIFE AND HEALTH INSURANCE EXAM
2025 LATEST TEST BANK WITH 750 EXAM PREP
QUESTIONS AND CORRECT ANSWERS/ GA LIFE &
HEALTH INSURANCE TEST 2025 (NEWEST!)
Accident - ..ANSWER...✓✓ An unplanned unforseen
event which occurs suddenly at an unspecified place
Accident insurance - ..ANSWER...✓✓ A type of insurance
that protects the insured against loss due to an accidental
bodily injury
Accidental bodily injury - ..ANSWER...✓✓ Unplanned
unforseen traumatic injury to the body
Accidental Death and Dismemberment - ..ANSWER...✓✓
An insurance policy which pays a specified number or
specified multiple of the insurer's benefit if the insured
dies, loses his/her sight, or loses two limbs due to an
accident.
Acquired Immunodeficiency Symdrome - ..ANSWER...✓✓
An infectious and incurable disease caused by the human
immunodeficiency virus (hiv)
,2|Page
Activities of daily living - ..ANSWER...✓✓ Activities
individuals must do every day such as moving about,
getting dressed, eating, bathing, etc.
Actual charge - ..ANSWER...✓✓ The amount a physician
or supplier actually bills for a particular service or
supply.
Adhesion - ..ANSWER...✓✓ A contract offered on a "take
it or leave it" basis by an insured, in which the insured's
only option is to accept or reject the contract. Any
ambiguities in the contract will be settled in favor of the
imsured.
Admitted (Authorized) Insurer - ..ANSWER...✓✓ An
insurance company authorized and licensed to transact
business in a particular state.
Adult Day Care - ..ANSWER...✓✓ A program for impaired
adults that attempts to meet their health, social, and
functional needs in a setting away from their homes.
,3|Page
Adverse Selection - ..ANSWER...✓✓ The tendency of
risks witha higher probability of loss to purchase and
maintain insurance more often than the risks who
present lower probability
Agent - ..ANSWER...✓✓ An individual who is licensed to
sell, negotiate, or effect insurance contracts on behalf of
an insurer.
Aleatory - ..ANSWER...✓✓ A contract in which
participating parties exchange unequal amounts.
Insurance contracts are aleatory in that the amount the
insured will pay in premiums is unequal to the amount
the insurer will pay in the event of a loss.
Alien Insurer - ..ANSWER...✓✓ An insurance company
that is incorporated outside the United States.
Alzheimer's Disease - ..ANSWER...✓✓ A disease that
causes the victim to become dysfunctional due to
degeneration of brain cells and severe memory loss.
, 4|Page
Ancillary - ..ANSWER...✓✓ Additional, miscellaneous
services provided by a hospital, such as x-rays,
anesthesia, and lab work, but not hospital room and
board expenses.
Apparent Authority - ..ANSWER...✓✓ The appearance or
the assumption of authority based on the actions, words,
or deeds of the principal or because of circumstances the
principal created.
Approved Amount - ..ANSWER...✓✓ The amount
Medicare determines to be reasonable for a service that
is covered under part B of Medicare.
Assignment - ..ANSWER...✓✓ A claim to a provider or
medical supplier to receive payments directly from
Medicare.
Attained Age - ..ANSWER...✓✓ The age of the insured at
a determined date.
Attending Physician Statement (APS) - ..ANSWER...✓✓ A
statement usually obtained from the applicant's doctor.
