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Life and Health Practice Questions
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1.
(1 point)
All of the following are reasons to buy life insurance except one of the following:
Survivor protection
Estate creation
Retirement income
Estate conservation
2.
(1 point)
When an insured receives a Health insurance policy he has how many days to review and ask for a return of his/her premium?
5
10
20
30
3.
(1 point)
Short term policies has a benefit period of how long?
13 weeks to 104 weeks
24 weeks to 120 weeks
12 weeks to 52 weeks
15 weeks to 130 weeks
4.
(1 point)
If an employee who has a group policy leaves his job, what type of health insurance is guaranteed to him?
Portability
COBRA
The company continues to pay insurance
The employee buys an individual plan
5.
(1 point)
Which of the following is part of the application?
attending physician report
consumer investigation
Medical Information Bureau
Agent report
6.
(1 point)
What is a standard risk classification?
Uses Mortality table
Fix additional charge to premium
A lien is placed against the policy to reduce amount of insurance
Rate person on age, health, habit and occupation
7.
(1 point)
What is a characteristics of term life insurance?
It is written for a specified period of time
Permanent protection
Build cash value
Provide lifetime protection
8.
(1 point)
What is a characteristics of adjustable life?
renewable term
Adjust the face amount of the policy
Flexible premium
has death benefit options
9.
(1 point)
What is a per capita beneficiary?
A group beneficiary
When you are two young to be a beneficiary
When the money is divided equally among the beneficiary
When the beneficiary dies the proceed goes to heirs
10.
(1 point)
A type of short term insurance is
Accident policy
Catastrophic policy
Credit disability
Travel insurance
11.
(1 point)
Which of following is not an exclusion under a health policy?
Pre existing conditions
Accident injury
Elective surgery
Intentional self inflicted injury
12.
(1 point)
What is the type of insurance which pays for workers hurt in the course and scope of duty?
Medicare
Medicaid
Workers Compensation
Disability Social Security
US