1|Page
PEARSON VUE NATIONAL HEALTH INSURANCE EXAM LATEST 2026 ACTUAL
EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS
(100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled
insured's benefit payments.
B. It allows the insurer to increase the amount of premium during
the insured's time of disability.
C. It allows the insured to extend the length of the Grace Period
while disabled.
D. It allows the insured to maintain a policy in force while disabled
and unable to pay premiums. - ANSWER-D. It allows the insured
to maintain a policy in force while disabled and unable to pay
premiums.
,2|Page
Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features?
A. Extensions of coverage
B. Benefits clause
C. Riders
D. Exclusions - ANSWER-D. Exclusions
An insured becomes disabled three years after his Disability
Income policy is issued. The disability is caused by a condition
that existed prior to the policy issue date but was not specifically
excluded from coverage. In this situation, the insurer will most
likely take which of the following actions?
A. Pay the full claim
,3|Page
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition -
ANSWER-A. Pay the full claim
A health care plan that reimburses a flat fee for medical care it
provides at a clinic it owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-A. Health
Maintenance Organization
, 4|Page
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-D. Fair Credit Reporting Act
(Insurance Information and Privacy Protection Act)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
PEARSON VUE NATIONAL HEALTH INSURANCE EXAM LATEST 2026 ACTUAL
EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS
(100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled
insured's benefit payments.
B. It allows the insurer to increase the amount of premium during
the insured's time of disability.
C. It allows the insured to extend the length of the Grace Period
while disabled.
D. It allows the insured to maintain a policy in force while disabled
and unable to pay premiums. - ANSWER-D. It allows the insured
to maintain a policy in force while disabled and unable to pay
premiums.
,2|Page
Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features?
A. Extensions of coverage
B. Benefits clause
C. Riders
D. Exclusions - ANSWER-D. Exclusions
An insured becomes disabled three years after his Disability
Income policy is issued. The disability is caused by a condition
that existed prior to the policy issue date but was not specifically
excluded from coverage. In this situation, the insurer will most
likely take which of the following actions?
A. Pay the full claim
,3|Page
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
D. Deny the claim because it involves a pre-existing condition -
ANSWER-A. Pay the full claim
A health care plan that reimburses a flat fee for medical care it
provides at a clinic it owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - ANSWER-A. Health
Maintenance Organization
, 4|Page
Which of the following laws requires an insurer to notify an
applicant in writing that an investigative consumer report may be
made on the applicant?
A. Uniform Provisions Law
B. Freedom of Information Act
C. Medical Information Bureau Disclosure Act
D. Fair Credit Reporting Act (Insurance Information and Privacy
Protection Act) - ANSWER-D. Fair Credit Reporting Act
(Insurance Information and Privacy Protection Act)
Under a Guaranteed Renewable Accident & Health policy, an
insurer retains the right to:
A.increase the premium rate for one insured without increasing
the rate for others in the same class
