SICKNESS PRACTICE EXAM QUESTIONS AND
ANSWERS 2025-2026
WhichDofDtheDfollowingDisDTRUEDofDaDpointDofDserviceDplanD-
DCORRECTDANSWERSADpatient'sDcareDisDcoordinatedDbyDanDin-networkDprimaryDcareDphysician.
InDaDLevelDtermDlifeDpolicy,DwhichDalwaysDremainsDconstantD?D-DCORRECTDANSWERSdeathDbenefit
whichDpartDofDanDinsuranceDcontractDcontainsDtheDpromiseDtoDpayDlossesDcoveredDbyDtheDpolicyDinDexchan
geDforDtheDinsuredsDpremiumDandDcomplianceDwithDpolicyDtermsD?D-DCORRECTDANSWERSinsuringDclause
InDaDhomeDhealthcareDbenefit,DallDofDtheDfollowingDareDeligibleDexpensesDEXCEPTD-
DCORRECTDANSWERSbloodDtransfusions
inDnoncontributoryDplans,DwhichDpercentageDofDeligibleDmembersDmustDparticipate?D-
DCORRECTDANSWERS1
HowDareDissuesDofDambiguityDusuallyDresolvedDbecauseDinsuranceDcontractsDareDcontractsDofDadhesion?D-
DCORRECTDANSWERSInDfavorDofDtheDinsuredDbecauseDtheDinsuranceDcompanyDdraftsDtheDlanguageDinDtheD
contract.
WhyDisDtheDaccidentalDdeathDbenefitDreferredDtoDasDdoubleDindemnity?D-
DCORRECTDANSWERSItDprovidesDtwiceDtheDfaceDvalueDinDtheDpolicyDforDdeathDdueDtoDaccident.
whichDtypesDofDriderDreimbursesDhealthDandDsocialDserviceDexpensesDincurredDinDaDconvalescentDorDnursin
gDhomeDfacilityD-DCORRECTDANSWERSlongDtermDcareDrider
, AllDlifeDinsuranceDandDhealthDinsuranceDcontractsDcontainDallDofDtheDfollowingDEXCEPTD-
DCORRECTDANSWERSrepresentations
allDofDtheDfollowingDareDrequirementsDtoDqualifyDforDsocialDsecurityDdisabilityDbenefitsDexceptDwhenD-
DCORRECTDANSWERSunableDtoDworkDinDoccupationDinDwhichDtheDworkerDwasDtrainedDorDeducated.
whatDisDtheDorderDinDwhichDbeneficiariesDreceiveDproceedsDfromDaDlifeDinsuranceDpolicyD?D-
DCORRECTDANSWERSsuccessionDofDbeneficiaries
IfDaDcompanyDprovidesDgroupDdisabilityDinsuranceDtoDitsDemployees,DwhichDofDtheDfollowingDmayDbeDtax-
deductible?D-DCORRECTDANSWERStheDpremiumsDpaidDbyDtheDcompanyDasDaDbusinessDexpense
WhichDannuityDsettlementDoptionDprovidesDaDstatedDmonthlyDamountDtoDtheDannuitantDandDuponDtheDan
nuitant'sDdeathDtheDsameDorDaDlesserDamountDpaidDforDtheDlifetimeDofDtheDsurvivor?D-
DCORRECTDANSWERSJointDandDsurvivorshipDoption
whichDofDtheDfollowingDpolicyDtypesDisDconsideredDdoubleDindemnityD-
DCORRECTDANSWERSaccidentalDdeath
HowDlongDafterDbeingDentitledDtoDdisabilityDbenefitsDwillDanDindividualDbeDeligibleDtoDreceiveDMedicareDbe
nefits?D-DCORRECTDANSWERS2Dyears
whichDofDtheDfollowingDisDanDexampleDofDaDhospitalDindemnityDplanD-
DCORRECTDANSWERSpaysDaDfixedDamountDperDdayDtoDtheDinsuredDforDeachDdayDtheDinsuredDisDhospitalize
d
AccordingDtoDtheDtimeDofDpaymentDofDclaimsDprovisions,DtheDinsurerDmustDmakeDtheDpaymentDimmediate
lyDafterDreceivingDproofDofDlossDEXCEPTD-DCORRECTDANSWERSForDclaimsDinvolvingDperiodicDpayments