NJ Accident and Health Final Exam || Most Recent Exam 2026
Actual Complete Real Exam Questions And Correct Answers
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A person who is a nonsmoker, of average weight, and in
excellent health would
most likely be in which risk classification? -
ANSWER-Preferred
The NJ Life and Health Insurance Guaranty Association is -
ANSWER-Funded
by assessments on member
companies
When an insured changes to a more hazardous occupation,
which disability
policy provision allows an insurer to adjust policy
benefits and rates? -
ANSWER-Change of occupation
provision
Which of the following would be considered a possible
applicant and contract
policyholder for group health
benefits?
,A. Human resource
department
B.
Employer
C. Insured
employee
D. Insurance company - ANSWER-
Employer
Continuing education credits may be approved for which of the
following?
Pre-licensing education
motivational education
sales and marketing
education
ethics - ANSWER-Ethics
Field underwriting performed by the producer involves -
ANSWER-Completing
the application and collecting the
initial premium
Which of the following actions may an insurance company
NOT do in a health
policy that contains a guaranteed renewable
premium benefit?
, Stop renewing policy when the insured reaches a specified age
Cancel policy if premiums are not paid
Increase the premiums on an individual basis
Increase the premiums on the basis of an entire
classification - ANSWER-
Increase the premiums on an
individual basis
Which of the following is NOT a type of Medicare Advantage
Plan?
HMO
PPO
PFFS
SSDI - ANSWER-SSDI
Coordination of benefits regulation applies to all of the
following plans except
A. Group vision
plan
B. Preferred Provider
Organization plan
C. Self-funded group
health plan
Actual Complete Real Exam Questions And Correct Answers
(Verified Answers) Already Graded A+ | Guaranteed
Success | Newest Exam | Just Released!
A person who is a nonsmoker, of average weight, and in
excellent health would
most likely be in which risk classification? -
ANSWER-Preferred
The NJ Life and Health Insurance Guaranty Association is -
ANSWER-Funded
by assessments on member
companies
When an insured changes to a more hazardous occupation,
which disability
policy provision allows an insurer to adjust policy
benefits and rates? -
ANSWER-Change of occupation
provision
Which of the following would be considered a possible
applicant and contract
policyholder for group health
benefits?
,A. Human resource
department
B.
Employer
C. Insured
employee
D. Insurance company - ANSWER-
Employer
Continuing education credits may be approved for which of the
following?
Pre-licensing education
motivational education
sales and marketing
education
ethics - ANSWER-Ethics
Field underwriting performed by the producer involves -
ANSWER-Completing
the application and collecting the
initial premium
Which of the following actions may an insurance company
NOT do in a health
policy that contains a guaranteed renewable
premium benefit?
, Stop renewing policy when the insured reaches a specified age
Cancel policy if premiums are not paid
Increase the premiums on an individual basis
Increase the premiums on the basis of an entire
classification - ANSWER-
Increase the premiums on an
individual basis
Which of the following is NOT a type of Medicare Advantage
Plan?
HMO
PPO
PFFS
SSDI - ANSWER-SSDI
Coordination of benefits regulation applies to all of the
following plans except
A. Group vision
plan
B. Preferred Provider
Organization plan
C. Self-funded group
health plan
