NJ ACCIDENT AND HEALTH INSURANCE FINAL
EXAM CERTIFICATION EVALUATION TEST 2026
FULL QUESTIONS AND CORRECT ANSWERS
ALREADY PASSED GRADED A+
◉ A producer has recently died and leaves behind a spouse. In order
for the producer's insurance business to continue, the Department
of Banking and Insurance may issue to the producer's spouse a(n).
Answer: temporary insurance license
◉ Pierre the producer receives a premium for an individual health
insurance policy. Pierre MUST remit the premium to his insurer
within ____ business days of receipt. Answer: 7
◉ Nina just passed her NJ insurance licensing examination. She is
REQUIRED to apply for a producer's license within ____ months.
Answer: 12
◉ Which of the following MUST contain a "statement of policy cost
and benefit information"?. Answer: Policy Summary
◉ The department of banking and insurance can make information
pertaining to a producers license available through. Answer:
Certificate of License Status Report
,◉ Intentional withholding of material facts that would affect an
insurance policy's validity is called a(n). Answer: Concealment
◉ Under the NJ Continuance of Benefits law, notice to extend
coverage is required within how many days of a qualifying event?.
Answer: 30
◉ Which of the following does Medicare Part D cover?
Intensive care coverage
Doctor visits
Prescription drugs
Hospital coverage. Answer: Prescription drugs
◉ Which of these gaps in Medicare coverage is addressed with
Medicare Supplemental Insurance?. Answer: Medicare in-hospital
deductible
◉ Under group health insurance, a certificate of coverage is issued to
the. Answer: employee
, ◉ Claims payable to a Disability Income insured, even when the
insured can continue to work, are the result of a. Answer:
Presumptive disability
◉ A dread disease policy is considered to be a type of. Answer:
Limited health insurance policy
◉ How often must an insurance producer's license in NJ be
renewed?. Answer: every 2 years
◉ Which type of disability would be less than total impairment and
equal to permanent impairment?. Answer: Permanent partial
disability
◉ An insurance consultant is BEST defined as a(n). Answer:
Producer who charges fees for advice
◉ Kathy pays a monthly premium on her health insurance policy.
How long is her grace period?. Answer: 10 days
◉ Susan is insured through her Group Health Insurance plan and
changed her coverage to an individual plan with the same insurer
after her employment was terminated. This change is called a(n)
crossover
EXAM CERTIFICATION EVALUATION TEST 2026
FULL QUESTIONS AND CORRECT ANSWERS
ALREADY PASSED GRADED A+
◉ A producer has recently died and leaves behind a spouse. In order
for the producer's insurance business to continue, the Department
of Banking and Insurance may issue to the producer's spouse a(n).
Answer: temporary insurance license
◉ Pierre the producer receives a premium for an individual health
insurance policy. Pierre MUST remit the premium to his insurer
within ____ business days of receipt. Answer: 7
◉ Nina just passed her NJ insurance licensing examination. She is
REQUIRED to apply for a producer's license within ____ months.
Answer: 12
◉ Which of the following MUST contain a "statement of policy cost
and benefit information"?. Answer: Policy Summary
◉ The department of banking and insurance can make information
pertaining to a producers license available through. Answer:
Certificate of License Status Report
,◉ Intentional withholding of material facts that would affect an
insurance policy's validity is called a(n). Answer: Concealment
◉ Under the NJ Continuance of Benefits law, notice to extend
coverage is required within how many days of a qualifying event?.
Answer: 30
◉ Which of the following does Medicare Part D cover?
Intensive care coverage
Doctor visits
Prescription drugs
Hospital coverage. Answer: Prescription drugs
◉ Which of these gaps in Medicare coverage is addressed with
Medicare Supplemental Insurance?. Answer: Medicare in-hospital
deductible
◉ Under group health insurance, a certificate of coverage is issued to
the. Answer: employee
, ◉ Claims payable to a Disability Income insured, even when the
insured can continue to work, are the result of a. Answer:
Presumptive disability
◉ A dread disease policy is considered to be a type of. Answer:
Limited health insurance policy
◉ How often must an insurance producer's license in NJ be
renewed?. Answer: every 2 years
◉ Which type of disability would be less than total impairment and
equal to permanent impairment?. Answer: Permanent partial
disability
◉ An insurance consultant is BEST defined as a(n). Answer:
Producer who charges fees for advice
◉ Kathy pays a monthly premium on her health insurance policy.
How long is her grace period?. Answer: 10 days
◉ Susan is insured through her Group Health Insurance plan and
changed her coverage to an individual plan with the same insurer
after her employment was terminated. This change is called a(n)
crossover
