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NJ ACCIDENT AND HEALTH FINAL EXAM
2026 REAL QUESTIONS WITH EXPERTLY
VERIFIED ANSWERS.
An insurer must furnish to a claimant forms for filing proof of loss
within ___ days upon receiving a notice of claim. - correct answer
-15 days
Which of the following is MANDATORY coverage for all group
health care service contracts? - correct answer -Treatment for
alcoholism
A health insurance policy that allows an insurer to change the
policy owner's premiums, but NOT cancel the policy is called a(n)
- correct answer -Guaranteed renewable policy
The name of the insurance companies represented by the
producer - correct answer -is available to the public
Which of the following does Coordination of Benefits allow?
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-Allows the secondary payor to reduce their benefit payments so
no more than 100% of the claim is paid
-Allows both a group health plan and individual health plan to
coordinate their benefit payments
-Allows the deductible to be spread out between all the health
providers
-Allows each health provider to pay 100% of the claim - correct
answer -Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
All of the following are included as part of a contract in the entire
contract provision EXCEPT the
riders
application
changes made by the producer
policy - correct answer -changes made by the producer
Insurable interest does NOT occur in which of the following
relationships?
sister/brother
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parent/child
business partners
business owner and business client - correct answer -business
owner and business client
Within how many days must a producer notify the Department of
Baking and Insurance of a change of address? - correct answer -
30
Under the NJ continuance of benefits law, notice to extend
coverage is required within how many days of a qualifying event?
- correct answer -30
Health insurance advertisements that mention statistical
information are required by NJ law to - correct answer -accurately
convey all pertinent facts
What type of injury would NOT be covered under a health
insurance policy?
Work related
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accidental
Sports related
recreational - correct answer -Work related
NJ Insurance law requires eligible individuals to make an election
to continue health insurance benefits within a MAXIMUM of ___
days after coverage termination - correct answer -60
The NJ temporary disability benefits law - correct answer -
provides non-occupational disability benefits
Johan the producer charged a fee to a sales prospect for
analyzing insurance coverages. According to NJ law, a
reasonable relationship must exist between the fee and the -
correct answer -Substance of the services performed
In NJ, group health insurance may be offered to all of these
groups EXCEPT
private employer
city government
NJ ACCIDENT AND HEALTH FINAL EXAM
2026 REAL QUESTIONS WITH EXPERTLY
VERIFIED ANSWERS.
An insurer must furnish to a claimant forms for filing proof of loss
within ___ days upon receiving a notice of claim. - correct answer
-15 days
Which of the following is MANDATORY coverage for all group
health care service contracts? - correct answer -Treatment for
alcoholism
A health insurance policy that allows an insurer to change the
policy owner's premiums, but NOT cancel the policy is called a(n)
- correct answer -Guaranteed renewable policy
The name of the insurance companies represented by the
producer - correct answer -is available to the public
Which of the following does Coordination of Benefits allow?
, Page | 2
-Allows the secondary payor to reduce their benefit payments so
no more than 100% of the claim is paid
-Allows both a group health plan and individual health plan to
coordinate their benefit payments
-Allows the deductible to be spread out between all the health
providers
-Allows each health provider to pay 100% of the claim - correct
answer -Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
All of the following are included as part of a contract in the entire
contract provision EXCEPT the
riders
application
changes made by the producer
policy - correct answer -changes made by the producer
Insurable interest does NOT occur in which of the following
relationships?
sister/brother
, Page | 3
parent/child
business partners
business owner and business client - correct answer -business
owner and business client
Within how many days must a producer notify the Department of
Baking and Insurance of a change of address? - correct answer -
30
Under the NJ continuance of benefits law, notice to extend
coverage is required within how many days of a qualifying event?
- correct answer -30
Health insurance advertisements that mention statistical
information are required by NJ law to - correct answer -accurately
convey all pertinent facts
What type of injury would NOT be covered under a health
insurance policy?
Work related
, Page | 4
accidental
Sports related
recreational - correct answer -Work related
NJ Insurance law requires eligible individuals to make an election
to continue health insurance benefits within a MAXIMUM of ___
days after coverage termination - correct answer -60
The NJ temporary disability benefits law - correct answer -
provides non-occupational disability benefits
Johan the producer charged a fee to a sales prospect for
analyzing insurance coverages. According to NJ law, a
reasonable relationship must exist between the fee and the -
correct answer -Substance of the services performed
In NJ, group health insurance may be offered to all of these
groups EXCEPT
private employer
city government
