Aflac Final Exam Questions WITH CORRECT ANSWERS.

Aflac Final Exam Questions |\ |\ |\ |\




WITH CORRECT ANSWERS |\ |\ |\




Certain conditions, such as dismemberment or total and
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permanent blinds, will automatically qualify the insured for full
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disability benefits. Which disability policy provision does this
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describe? - CORRECT ANSWERS ✔✔presumptive disability
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Which provision concerns the insured's duty to provide the
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insurer with reasonable notice in the event of a loss? - CORRECT
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ANSWERS ✔✔notice of claim |\ |\ |\




Because an insurance policy is a legal contract, it must conform
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to the state laws governing contracts which require all of the
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following elements EXCEPT - CORRECT ANSWERS ✔✔conditions
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An insured is involved in an accident that renders him
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permanently deaf, although he does not sustain any other major |\ |\ |\ |\ |\ |\ |\ |\ |\ |\


injures. The insured is still able to perform his current job. To
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what extent will he receive Presumptive Disability benefits? -
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CORRECT ANSWERS ✔✔full benefits |\ |\ |\




Regarding long-term care coverage, as the elimination period
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gets shorter, the premium - CORRECT ANSWERS ✔✔gets higher
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,Which of the following determines whether disability insurance
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benefits are taxed? - CORRECT ANSWERS ✔✔whether the
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premiums were tax deductible |\ |\ |\




An agent is ready to deliver a policy to an applicant but has not
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yet received payment. Upon delivery, the agent collects the
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applicant's premium check, answers any questions the applicant
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may have, and then leaves. What did he forget to do? - CORRECT
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ANSWERS ✔✔ask her to sign a statement of good health
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Which of the following statements is NOT true concerning
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Medicaid? - CORRECT ANSWERS ✔✔it consist of 3 parts, Part A:
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hospitalization, Part B: doctor's services, Part C: disability income |\ |\ |\ |\ |\ |\ |\ |\




Which statement accurately describes group disability income
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insurance? - CORRECT ANSWERS ✔✔the extent of benefits is
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determined by the insured's income |\ |\ |\ |\




If a consumer requests additional information concerning an
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investigative consumer report, how long does the insurer or |\ |\ |\ |\ |\ |\ |\ |\ |\


reporting agency have to comply? - CORRECT ANSWERS ✔✔5
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days


Which of the following is NOT an exclusion in medical expense
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insurance policies? - CORRECT ANSWERS ✔✔coverage for
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dependents


If an insured is not required to pay a deductible, what kind of
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coverage do they have? - CORRECT ANSWERS ✔✔first dollar
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, An applicant for a health insurance policy returns a completed
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application to her agent, along with a check for the first |\ |\ |\ |\ |\ |\ |\ |\ |\ |\ |\


premium. She receives a conditional receipt two weeks later. |\ |\ |\ |\ |\ |\ |\ |\ |\


Which of the following has the insurer done by this point? -
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CORRECT ANSWERS ✔✔neither approved the application nor |\ |\ |\ |\ |\ |\ |\


issued the policy |\ |\




A policy owner has a health insurance policy with his wife listed
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as the primary beneficiary. He would like to change the primary
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beneficiary to his sister. Which of the following is true? - |\ |\ |\ |\ |\ |\ |\ |\ |\ |\ |\


CORRECT ANSWERS ✔✔unless the policy designated the current |\ |\ |\ |\ |\ |\ |\ |\


beneficiary is irrevocable, the policy owner can make the change |\ |\ |\ |\ |\ |\ |\ |\ |\ |\


at any time
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The provision in a health insurance policy that ensures that the
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insurer cannot refer to any document that is not contained in the
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contract is the - CORRECT ANSWERS ✔✔entire contract clause
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When an insurer issues an individual health insurance policy that
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is guaranteed renewable, the insurer agrees - CORRECT
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ANSWERS ✔✔to renew the policy until the insured has reached |\ |\ |\ |\ |\ |\ |\ |\ |\ |\


age 65 |\




What is an important feature of a dental expense insurance plan
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that is NOT typically found in a medical expense insurance plan?
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- CORRECT ANSWERS ✔✔diagnostic and preventative care
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