NJ Health and accidental Practice final exam excel
solutions 2026 UPDATED EXAM ACTUAL EXAM 2
LATEST VERSIONS 150 QUESTIONS AND
CORRECT VERIFIED ANSWERS WITH
RATIONALES (100% CORRECT) A+ GRADED
ASSURED
A basic vision care package includes all of the following EXCEPT -
CORRECT ANSWER: Safety glasses
A beneficiary change can occur
only upon the request of the revocable beneficiary
• only on specified dates within the policy
• normally at any time during the policy term
• at no time - CORRECT ANSWER: normally at any time during the
policy term
a buyers guide and policy summary
Must be delivered with or prior to policy delivery
• must be delivered with or prior to policy delivery
• is not required in the state of New Jersey
• must be delivered within 30 days of policy delivery
• is only required when a binding receipt is issued - CORRECT
ANSWER: must be delivered with or prior to policy delivery
,a clause that allows an insurer the right to terminate coverage at any
anniversary date is called
Conditionally renewability clause
Optional renewability clause
selective renewability clause
Cancelable clause - CORRECT ANSWER: optional renewability clause
A group disability income plan that pays tax-free benefits to covered
employees is considered?
non contributory
partially contributory
group contributory
Fully contributory - CORRECT ANSWER: Fully contributory
a health insurance policy that allows an insurer to change the policy
owners premiums, but NOT cancel the policy is called a
• guaranteed renewable policy
• conditionally renewable policy
• optionally renewable policy
• noncancelable policy - CORRECT ANSWER: guaranteed renewable
policy
,A health insurer must be provided with written proof of loss ____ days
after the date of loss
30
45
60
90 - CORRECT ANSWER: 90
A long-term care policy typically provides all of the following levels of
care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care - CORRECT ANSWER: acute care
A Medicare Supplement basic benefit is
• the first 3 pints of blood per vear
• respite care
• disability income
term life insurance - CORRECT ANSWER: the first 3 pints of blood per
year
A newborn is required to be covered for ________ days from the moment
of birth.
, 30
60
90
120 - CORRECT ANSWER: 30
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 an
• permanent insurance license
• temporary insurance license
• interim insurance license
• supplementary insurance license - CORRECT ANSWER: temporary
insurance license
A producer must notify the Commissioner within ___ days of a felony
conviction.
15
30
45
60 - CORRECT ANSWER: 30
a producer secretary who solicits on the telephone - CORRECT
ANSWER: Must be licensed as a producer
solutions 2026 UPDATED EXAM ACTUAL EXAM 2
LATEST VERSIONS 150 QUESTIONS AND
CORRECT VERIFIED ANSWERS WITH
RATIONALES (100% CORRECT) A+ GRADED
ASSURED
A basic vision care package includes all of the following EXCEPT -
CORRECT ANSWER: Safety glasses
A beneficiary change can occur
only upon the request of the revocable beneficiary
• only on specified dates within the policy
• normally at any time during the policy term
• at no time - CORRECT ANSWER: normally at any time during the
policy term
a buyers guide and policy summary
Must be delivered with or prior to policy delivery
• must be delivered with or prior to policy delivery
• is not required in the state of New Jersey
• must be delivered within 30 days of policy delivery
• is only required when a binding receipt is issued - CORRECT
ANSWER: must be delivered with or prior to policy delivery
,a clause that allows an insurer the right to terminate coverage at any
anniversary date is called
Conditionally renewability clause
Optional renewability clause
selective renewability clause
Cancelable clause - CORRECT ANSWER: optional renewability clause
A group disability income plan that pays tax-free benefits to covered
employees is considered?
non contributory
partially contributory
group contributory
Fully contributory - CORRECT ANSWER: Fully contributory
a health insurance policy that allows an insurer to change the policy
owners premiums, but NOT cancel the policy is called a
• guaranteed renewable policy
• conditionally renewable policy
• optionally renewable policy
• noncancelable policy - CORRECT ANSWER: guaranteed renewable
policy
,A health insurer must be provided with written proof of loss ____ days
after the date of loss
30
45
60
90 - CORRECT ANSWER: 90
A long-term care policy typically provides all of the following levels of
care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care - CORRECT ANSWER: acute care
A Medicare Supplement basic benefit is
• the first 3 pints of blood per vear
• respite care
• disability income
term life insurance - CORRECT ANSWER: the first 3 pints of blood per
year
A newborn is required to be covered for ________ days from the moment
of birth.
, 30
60
90
120 - CORRECT ANSWER: 30
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 an
• permanent insurance license
• temporary insurance license
• interim insurance license
• supplementary insurance license - CORRECT ANSWER: temporary
insurance license
A producer must notify the Commissioner within ___ days of a felony
conviction.
15
30
45
60 - CORRECT ANSWER: 30
a producer secretary who solicits on the telephone - CORRECT
ANSWER: Must be licensed as a producer
