- Study guides, Class notes & Summaries

The Pennsylvania Life, Accident, & Health Insurance Exam evaluates candidates’ mastery of insurance fundamentals, policy provisions, state regulations, and producer responsibilities. The 2025/2026 verified study guides provide multiple-choice and scenario-based questions with rationales, already graded A+, ensuring readiness for licensing.

This document provides a comprehensive 150-question weighted practice exam designed for the 2025/2026 Life and Health Insurance Licensing Exam. All questions are accompanied by verified correct answers and detailed explanations, directly reflecting the latest industry regulations and state-specific standards (with emphasis on Louisiana insurance laws). Topics covered span across policy provisions, life insurance contract elements, riders (waiver of premium, payor benefit, guaranteed insurabil...

Wisconsin Accident & Health Insurance Licensing Exam 2025/2026 – Verified Questions with 100% Correct Solutions

CARLIFONIA LIFE ACCIDENTS AND HEALTH INSURANCE STAT

Federal Tax Considerations for Accident & Health Insurance Exam Questions With Complete Solutions

"Which type of plan would be most appropriate for an individual on Medicare and is concerned that Medicare will NOT pay for charges exceeding the approved amount? - CORRECT ANSWER=> Medicare supplement plan F" "Which of the following is NOT a common exclusion for a medical expense policy? Physical therapy Act of war on the job injury self inflicted injury - CORRECT ANSWER=> Physical therapy" "Twisting is best defined as - CORRECT ANSWER=> using misrepresentati...

"How does a noncancelable policy differ from a guaranteed renewable policy? - CORRECT ANSWER=> With the noncancelable policy the insurer may increase premiums only based on the terms of the policy." "Which of the following refers to how often a premium is paid? - CORRECT ANSWER=> Mode" "What is the return of premium rider? - CORRECT ANSWER=> An increasing amount of term insurance that always equals the total of premiums paid up to the current point." "What ...

Health and Accident Insurance Practice Test Exam Question and Answers | Already Graded A+ Which of the following is a true statement about dependent coverage on group health policies? Select one: a. The dependent can be a natural child, step child or adopted child. b. A child can be considered dependent after age 19 if he/she was disabled before that time. c. A child can be considered dependent after 19 if a full time student. d. All of the above - A dependent can be any of those l...

NJ HEALTH AND ACCIDENT INSURANCE EXAM 2024 ACTUAL EXAM 2 VERSIONS (VERSION A AND B) COMPLETE ACCURATE EXAM QUESTIONS WITH DETAILED VERIFIED ANSWERS NJ LAW: What are the duties/responsibilities of the Commissioner? - - enforcing and administering all laws pertaining to insurance - make rules and regulations to help administer insurance code - conduct examinations, administer oaths, question licensees, and issue subpoenas If the Commissioner finds that the producer has commit...

Funding for Medicare Part B is partially provided by - user premiums Which of the following would evidence ownership in a participating health insurance contract? - Policy Ownership To protect information, systems, agents, brokers, and insurance companies must implement and maintain a(n) - cybersecurity policy An insurer is best described as - Any person, corporation, association, or society that writes insurance contracts Jennifer is required to pay a specific sum out of pocket before any b...