ACCIDENT AND HEALTH PRODUCER
EXAMINATION TEST 2026 QUESTIONS AND
SOLUTIONS FULLY VERIFIED
●● which option enables the insured to purchase additional disability
income protection at specified future dates at the applicable premium
rate at the attained age at the time of future purchase? Answer:
guaranteed insurability
●● How do most disability policies handle the case of a recurrent
disability occurring at least 90 days after the first claim? Answer: it must
be handled as a new claim for a new period of disability, requiring a new
elimination period
●● in which type of insurance is individually purchased coverage
commonly more economical than group offered coverage? Answer: long
term care insurance
●● in which of the following types of contracts is only one party legally
required to do something after the insured has completed the act of
paying the premium? Answer: unilateral
●● Upon the issuance of a conditional receipt for a renewal when the
premium is paid AFTER the time granted by the insurer, what is the
, maximum amount of time for reinstatement of the policy? Answer: 45
days
●● in a home healthcare benefit, all of the following are eligible
expenses EXCEPT
A. physical, occupational, or speech therapy
B. blood transfusions
C. medical social services
D. Intermittent part time nursing care Answer: B. blood transfusions
●● which of the following coverage types pays a monthly cash benefit
following the elimination period for total disability due to accident or
sickness? Answer: disability income insurance
●● which of the following refers to how often a premium is paid?
A. net
B. ratio
C. level
D. mode Answer: mode
EXAMINATION TEST 2026 QUESTIONS AND
SOLUTIONS FULLY VERIFIED
●● which option enables the insured to purchase additional disability
income protection at specified future dates at the applicable premium
rate at the attained age at the time of future purchase? Answer:
guaranteed insurability
●● How do most disability policies handle the case of a recurrent
disability occurring at least 90 days after the first claim? Answer: it must
be handled as a new claim for a new period of disability, requiring a new
elimination period
●● in which type of insurance is individually purchased coverage
commonly more economical than group offered coverage? Answer: long
term care insurance
●● in which of the following types of contracts is only one party legally
required to do something after the insured has completed the act of
paying the premium? Answer: unilateral
●● Upon the issuance of a conditional receipt for a renewal when the
premium is paid AFTER the time granted by the insurer, what is the
, maximum amount of time for reinstatement of the policy? Answer: 45
days
●● in a home healthcare benefit, all of the following are eligible
expenses EXCEPT
A. physical, occupational, or speech therapy
B. blood transfusions
C. medical social services
D. Intermittent part time nursing care Answer: B. blood transfusions
●● which of the following coverage types pays a monthly cash benefit
following the elimination period for total disability due to accident or
sickness? Answer: disability income insurance
●● which of the following refers to how often a premium is paid?
A. net
B. ratio
C. level
D. mode Answer: mode
