PEARSON VUE NATIONAL HEALTH INSURANCE
FINAL PAPER 2026 COMPLETE ANSWERS
VERIFIED
◉ Which of the following statements is CORRECT about a Disability
Income policy with a Guaranteed Insurability rider? Answer: A. The
insured may periodically increase the amount of benefits payable
under the policy.
◉ A group long-term disability plan is integrated with Social
Security when which of the following statements is CORRECT?
Answer: A. Social Security and group benefits pay a combined
maximum limit.
◉ An individual who has had a heart murmur since birth is likely to
be issued an individual disability policy that includes: Answer: B. an
Exclusionary/ Impairment rider
◉ In which of the following health policies are both the renewability
and the premiums guaranteed? Answer: A. Noncancellable
◉ Medicare Part A covers which of the following expenses? Answer:
A. Hospital room and board
,◉ The Consideration clause in an accident and health policy states
the: Answer: A. applicant pays the initial premium
◉ Under a group health plan, an employer may offer additional
benefits to classes of employees on the basis of all of the following
factors EXCEPT: Answer: B. gender
◉ Which of the following health policies requires a beneficiary
designation? Answer: A. Travel Accident
◉ All of the following elements are required of a contract EXCEPT:
Answer: A. assignment
◉ The insurance policy clause that identifies the contracting parties
and defines the scope and limits of coverage is called the: Answer: A.
Insuring clause
◉ Which of the following statements is CORRECT about
coinsurance? Answer: B. It helps control overutilization of benefits.
◉ Which of the following types of provisions guarantees
renewability to a specified date or age unless certain specified
events occur? Answer: D. Conditionally Renewable
,◉ A group policy issued to a newspaper or other publisher to cover
its carriers is referred to as which of the following types of policies?
Answer: D. Blanket Accident and Health
◉ A claim for a pre-existing condition may NOT be denied after a
Major Medical policy has been in effect for a minimum of: Answer: C.
two years
◉ The Insurance Commissioner may examine the records of an
insurer at which of the following times? Answer: D. At any time the
Insurance Commissioner sees fit
◉ An insurance producer who makes false statements that harm the
reputation of another insurer is guilty of: Answer: B. defamation
◉ Each Long Term Care policy must state that the applicant has the
right to return the policy and have the premium refunded if the
applicant is not satisfied for any reason within ten days of the date
that the: Answer: A. policy was delivered to the applicant
◉ Which of the following statements is prohibited in Accident and
Health insurance advertisements? Answer: B. "This plan is
accredited by an agency of the federal government."
, ◉ Which of the following statements is CORRECT about Medicare
Supplement coverage? Answer: D. Duplication of Medicare benefits
is specifically prohibited.
◉ Which of the following situations is considered rebating? Answer:
B. A producer returns a portion of a commission to the insured.
◉ An individual who, for the purpose of collecting premiums, acts
for another in negotiating a contract of insurance is considered to
be: Answer: C. a solicitor
◉ Controlled business is defined as insurance a producer writes on
all of the following individuals EXCEPT the producer's: Answer: C.
neighbors
◉ When taking an application for a Medicare Supplement policy, a
producer must provide the applicant with: Answer: an Outline of
Coverage
◉ Any company that furnishes health care services to enrolled
members in return for a fixed sum or prepaid premium is defined as:
Answer: a health maintenance organization
◉ An insurer doing business in this state must operate under:
Answer: a certificate of authority
FINAL PAPER 2026 COMPLETE ANSWERS
VERIFIED
◉ Which of the following statements is CORRECT about a Disability
Income policy with a Guaranteed Insurability rider? Answer: A. The
insured may periodically increase the amount of benefits payable
under the policy.
◉ A group long-term disability plan is integrated with Social
Security when which of the following statements is CORRECT?
Answer: A. Social Security and group benefits pay a combined
maximum limit.
◉ An individual who has had a heart murmur since birth is likely to
be issued an individual disability policy that includes: Answer: B. an
Exclusionary/ Impairment rider
◉ In which of the following health policies are both the renewability
and the premiums guaranteed? Answer: A. Noncancellable
◉ Medicare Part A covers which of the following expenses? Answer:
A. Hospital room and board
,◉ The Consideration clause in an accident and health policy states
the: Answer: A. applicant pays the initial premium
◉ Under a group health plan, an employer may offer additional
benefits to classes of employees on the basis of all of the following
factors EXCEPT: Answer: B. gender
◉ Which of the following health policies requires a beneficiary
designation? Answer: A. Travel Accident
◉ All of the following elements are required of a contract EXCEPT:
Answer: A. assignment
◉ The insurance policy clause that identifies the contracting parties
and defines the scope and limits of coverage is called the: Answer: A.
Insuring clause
◉ Which of the following statements is CORRECT about
coinsurance? Answer: B. It helps control overutilization of benefits.
◉ Which of the following types of provisions guarantees
renewability to a specified date or age unless certain specified
events occur? Answer: D. Conditionally Renewable
,◉ A group policy issued to a newspaper or other publisher to cover
its carriers is referred to as which of the following types of policies?
Answer: D. Blanket Accident and Health
◉ A claim for a pre-existing condition may NOT be denied after a
Major Medical policy has been in effect for a minimum of: Answer: C.
two years
◉ The Insurance Commissioner may examine the records of an
insurer at which of the following times? Answer: D. At any time the
Insurance Commissioner sees fit
◉ An insurance producer who makes false statements that harm the
reputation of another insurer is guilty of: Answer: B. defamation
◉ Each Long Term Care policy must state that the applicant has the
right to return the policy and have the premium refunded if the
applicant is not satisfied for any reason within ten days of the date
that the: Answer: A. policy was delivered to the applicant
◉ Which of the following statements is prohibited in Accident and
Health insurance advertisements? Answer: B. "This plan is
accredited by an agency of the federal government."
, ◉ Which of the following statements is CORRECT about Medicare
Supplement coverage? Answer: D. Duplication of Medicare benefits
is specifically prohibited.
◉ Which of the following situations is considered rebating? Answer:
B. A producer returns a portion of a commission to the insured.
◉ An individual who, for the purpose of collecting premiums, acts
for another in negotiating a contract of insurance is considered to
be: Answer: C. a solicitor
◉ Controlled business is defined as insurance a producer writes on
all of the following individuals EXCEPT the producer's: Answer: C.
neighbors
◉ When taking an application for a Medicare Supplement policy, a
producer must provide the applicant with: Answer: an Outline of
Coverage
◉ Any company that furnishes health care services to enrolled
members in return for a fixed sum or prepaid premium is defined as:
Answer: a health maintenance organization
◉ An insurer doing business in this state must operate under:
Answer: a certificate of authority
