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NC Life Insurance Practice Exam Questions with 100% Correct Solutions
NC Life Insurance Practice Exam Questions 
with 100% Correct Solutions 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance 
law is not the Insurance Commissioner's responsibility, but enforcing the law is. - 
Correct Answer ️️ -...
- Package deal
- Exam (elaborations)
- • 64 pages •
NC Life Insurance Practice Exam Questions 
with 100% Correct Solutions 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance 
law is not the Insurance Commissioner's responsibility, but enforcing the law is. - 
Correct Answer ️️ -...
NC Life Insurance Exam Prep Questions and Answer
NC Life Insurance Exam Prep 
Questions and Answer 
An agent who sells an individual life insurance policy in NC MUST deliver to the 
policyowner - Answer- A policy summary and buyer's guide 
All of the following actions are considered rebating EXCEPT - Answer- Sharing 
commissions with other licensed and appointed agents 
What benefit does the Payor Clause on a Juvenile Life Policy provide? - Answer- 
Premiums are waived if payor becomes disabled 
An agent who signs a blank contract application...
- Exam (elaborations)
- • 25 pages •
NC Life Insurance Exam Prep 
Questions and Answer 
An agent who sells an individual life insurance policy in NC MUST deliver to the 
policyowner - Answer- A policy summary and buyer's guide 
All of the following actions are considered rebating EXCEPT - Answer- Sharing 
commissions with other licensed and appointed agents 
What benefit does the Payor Clause on a Juvenile Life Policy provide? - Answer- 
Premiums are waived if payor becomes disabled 
An agent who signs a blank contract application...
North Carolina Medicare Supplement and Long-Term Care Exam Questions and Answers 100% Pass
North Carolina Medicare Supplement and 
Long-Term Care Exam Questions and 
Answers 100% Pass 
An individual who is not eligible for premium-free Medicare Part A coverage may apply 
for coverage during which of the following enrollment periods? 
A. All of the above 
B. Initial enrollment period 
C. General enrollment period 
D. Special enrollment period - Answer- A. All of the above 
Medicare makes what payment for services in which another payer may be responsible: 
A. Conditional payment 
B. In...
- Exam (elaborations)
- • 16 pages •
North Carolina Medicare Supplement and 
Long-Term Care Exam Questions and 
Answers 100% Pass 
An individual who is not eligible for premium-free Medicare Part A coverage may apply 
for coverage during which of the following enrollment periods? 
A. All of the above 
B. Initial enrollment period 
C. General enrollment period 
D. Special enrollment period - Answer- A. All of the above 
Medicare makes what payment for services in which another payer may be responsible: 
A. Conditional payment 
B. In...
NC Life insurance state exam study guideline with complete solutions
NC Life insurance state exam study guideline 
with complete solutions 
Term Insurance - Answer- Used for Temporary Situations. Net cost highest in the long 
run. Premiums goes up every year based on current (attained)age. 
Term Insurance - Answer- Expire's at a certain age/Time in the future. May be 
renewable up to a certain age or date with out a phyical Exam. 
Level Term Insurance - Answer- Term insurance can be Renewed annually. Has a level 
Face Amount at renewal, Premiums goes up. Can be ...
- Package deal
- Exam (elaborations)
- • 25 pages •
NC Life insurance state exam study guideline 
with complete solutions 
Term Insurance - Answer- Used for Temporary Situations. Net cost highest in the long 
run. Premiums goes up every year based on current (attained)age. 
Term Insurance - Answer- Expire's at a certain age/Time in the future. May be 
renewable up to a certain age or date with out a phyical Exam. 
Level Term Insurance - Answer- Term insurance can be Renewed annually. Has a level 
Face Amount at renewal, Premiums goes up. Can be ...
NC - Health Insurance - Practice Exam Questions with 100% Correct Answers
NC - Health Insurance - Practice Exam 
Questions with 100% Correct Answers 
All of the following are true regarding Key Employee Disability Income insurance 
EXCEPT 
A) Premiums are not tax deductible for the employer. 
B) Benefits are taxable to the employer. 
C) The employer owns the policy. 
D) Benefits are paid to the employer to retrain a new person. - Answer- B) Benefits are 
taxable to the employer. 
Key person disability income premiums are not deductible to the business, but the 
benefi...
- Package deal
- Exam (elaborations)
- • 37 pages •
NC - Health Insurance - Practice Exam 
Questions with 100% Correct Answers 
All of the following are true regarding Key Employee Disability Income insurance 
EXCEPT 
A) Premiums are not tax deductible for the employer. 
B) Benefits are taxable to the employer. 
C) The employer owns the policy. 
D) Benefits are paid to the employer to retrain a new person. - Answer- B) Benefits are 
taxable to the employer. 
Key person disability income premiums are not deductible to the business, but the 
benefi...
NC life and health insurance study questions and answers
NC life and health insurance study 
questions and answers 
Which of the following is NOT a characteristic of universal life insurance? 
A Flexible death benefit 
B Cash account 
C Fixed premium 
D Unbundled premium - Answer- C 
Universal life policies allow the policy owner to increase the amount of premium going 
into the policy and to later decrease it again. They may even skip a premium payment. 
The rest of the features apply to universal life policies. 
Which of the following would help pre...
- Package deal
- Exam (elaborations)
- • 51 pages •
NC life and health insurance study 
questions and answers 
Which of the following is NOT a characteristic of universal life insurance? 
A Flexible death benefit 
B Cash account 
C Fixed premium 
D Unbundled premium - Answer- C 
Universal life policies allow the policy owner to increase the amount of premium going 
into the policy and to later decrease it again. They may even skip a premium payment. 
The rest of the features apply to universal life policies. 
Which of the following would help pre...
NC Life Insurance Practice Exam Questions and Answer
NC Life Insurance Practice Exam 
Questions and Answer 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance 
law is not the Insurance Commissioner's responsibility, but enforcing the law is. - 
Answer- c) Writing North Carolina insura...
- Package deal
- Exam (elaborations)
- • 64 pages •
NC Life Insurance Practice Exam 
Questions and Answer 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance 
law is not the Insurance Commissioner's responsibility, but enforcing the law is. - 
Answer- c) Writing North Carolina insura...
NC Life Exam Simulation Exam Questions and Answers
NC Life Exam Simulation Exam 
Questions and Answers 
Which of the following actions require a policyowner to provide proof of insurability in an 
Adjustable Life policy? - Answer- ANSWER: increase face amount 
2. If the Commissioner of insurance finds that a licensed person has used fraudulent, 
coercive, or dishonest practices or has proved to be incompetent, untrustworthy, or 
financially irresponsible, the law allows the Commissioner to - Answer- ANSWER: 
suspend, revoke, or refuse to renew t...
- Package deal
- Exam (elaborations)
- • 24 pages •
NC Life Exam Simulation Exam 
Questions and Answers 
Which of the following actions require a policyowner to provide proof of insurability in an 
Adjustable Life policy? - Answer- ANSWER: increase face amount 
2. If the Commissioner of insurance finds that a licensed person has used fraudulent, 
coercive, or dishonest practices or has proved to be incompetent, untrustworthy, or 
financially irresponsible, the law allows the Commissioner to - Answer- ANSWER: 
suspend, revoke, or refuse to renew t...
Medicare, Medicaide, LTC NC Insurance Exam Questions and Answers 100% Pass
Medicare, Medicaide, LTC NC Insurance Exam 
Questions and Answers 100% Pass 
Federal Program - Answer- Medicare is a federal health insurance program. Part of the 
Social Security program, Medicare is run by the Centers for Medicare & Medicaid 
Services of the Department of Health and Human Services. Private firms contract with 
the federal government to handle the paperwork, review claims, and disburse claim 
payments. 
Medicare Part A - Answer- Designed primarily to provide hospital insurance ...
- Package deal
- Exam (elaborations)
- • 44 pages •
Medicare, Medicaide, LTC NC Insurance Exam 
Questions and Answers 100% Pass 
Federal Program - Answer- Medicare is a federal health insurance program. Part of the 
Social Security program, Medicare is run by the Centers for Medicare & Medicaid 
Services of the Department of Health and Human Services. Private firms contract with 
the federal government to handle the paperwork, review claims, and disburse claim 
payments. 
Medicare Part A - Answer- Designed primarily to provide hospital insurance ...
NC Medicare Supplement & Long Term Care Insurance Licensing Exam Questions and Answers
NC Medicare Supplement & Long Term 
Care Insurance Licensing Exam 
Questions and Answers 
Medicare - Answer- Health insurance for those over age 65, people under 65 with 
certain disabilities & those with ESRD (end stage renal disease - permanent kidney 
failure requiring dialysis or kidney transplant) 
CMS - Answer- Centers for Medicare and Medicaid Services administers the Medicare 
program. Social Security Administration handles most of the enrollment & plays a role in 
claims appeal process....
- Package deal
- Exam (elaborations)
- • 18 pages •
NC Medicare Supplement & Long Term 
Care Insurance Licensing Exam 
Questions and Answers 
Medicare - Answer- Health insurance for those over age 65, people under 65 with 
certain disabilities & those with ESRD (end stage renal disease - permanent kidney 
failure requiring dialysis or kidney transplant) 
CMS - Answer- Centers for Medicare and Medicaid Services administers the Medicare 
program. Social Security Administration handles most of the enrollment & plays a role in 
claims appeal process....
Final Exam 4-40 Questions and Answers 100% Pass
Learn2Serve TABC Final Assessment with 100% Correct Answers
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