OHIO HEALTH AND LIFE INSURANCE
COMPREHENSIVE TEST PAPER 2026
QUESTIONS WITH ANSWERS GRADED A+
⫸ Krissa purchases a 10-year level term life insurance policy that has a
death benefit of $200,000. Which of these statements is true?
The policy automatically converts to whole life after the 10-year period
Answer: The face amount and premium will remain constant over the 10
year period
⫸ Which of the following provides Medicare supplement policies?
Answer: Private insurance companies
⫸ Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify Creditable
Coverage so that the Answer: employee's waiting period for coverage of
a preexisting condition can be reduced under the new employer's health
plan
⫸ Which of the following is typically NOT eligible for the coverage in
a group health policy? Answer: Temporary employee
⫸ Which of the following is a reinstatement condition? Answer: Proof
of insurability
,⫸ Ohio requires that a licensee complete ______ hours of continuing
education on the subject of ethics every reporting period. Answer: 3
⫸ Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a Answer:
nonresident agent
⫸ Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule would be
applications for Answer: guaranteed issue
⫸ Continuous 24- hour care provided by licensed medical professionals
under the direct supervision of a physician is called Answer: skilled
nursing care
⫸ The entire contract includes the actual policy and the Answer:
application
⫸ The branch of dentistry which deals with the replacement of missing
parts is called Answer: Prosthodontics
⫸ An agent's license has been suspended for non-renewal. The agent
my apply for reinstatement Answer: within 12 months of the license
renewal date
, ⫸ Which of the following is an annuity that is linked to a market-related
index? Answer: Equity- indexed annuity
⫸ A closed network plan offers a a primary physician copay of $25. If a
subscriber chooses a primary care physician outside of the network, the
subscriber will likely pay Answer: 100% of the billed amount
⫸ An accident and health insurer has just received written proof of loss
from one of its insureds. The insured must now wait 60 days before
Answer: bringing legal action against the insurer
⫸ An individual most likely will have an insurable interest in insuring a
person's life if Answer: An economic interest exists for the continuance
of the insured's life
⫸ According to the Health Insurance Portability and Accountability Act
(HIPPA), when can a group health policy renewal be denied? Answer:
Participation or contribution rules have been violated
⫸ Medicaid is a government-funded program designed to provide health
care to Answer: poor people
⫸ Medicare Part A does not pay for medical benefits provided for the
treatment in a skilled nursing facility beyond Answer: 100 days
COMPREHENSIVE TEST PAPER 2026
QUESTIONS WITH ANSWERS GRADED A+
⫸ Krissa purchases a 10-year level term life insurance policy that has a
death benefit of $200,000. Which of these statements is true?
The policy automatically converts to whole life after the 10-year period
Answer: The face amount and premium will remain constant over the 10
year period
⫸ Which of the following provides Medicare supplement policies?
Answer: Private insurance companies
⫸ Under the Health Insurance Portability and Accountability Act
(HIPAA), the employee's new Group Health Plan will verify Creditable
Coverage so that the Answer: employee's waiting period for coverage of
a preexisting condition can be reduced under the new employer's health
plan
⫸ Which of the following is typically NOT eligible for the coverage in
a group health policy? Answer: Temporary employee
⫸ Which of the following is a reinstatement condition? Answer: Proof
of insurability
,⫸ Ohio requires that a licensee complete ______ hours of continuing
education on the subject of ethics every reporting period. Answer: 3
⫸ Carole is a licensed agent who lives in Michigan and transacts
insurance in Ohio. In Ohio, Carole is considered to be a Answer:
nonresident agent
⫸ Long- term care insurance applications must contain plain and
unambiguous health questions. The exception to this rule would be
applications for Answer: guaranteed issue
⫸ Continuous 24- hour care provided by licensed medical professionals
under the direct supervision of a physician is called Answer: skilled
nursing care
⫸ The entire contract includes the actual policy and the Answer:
application
⫸ The branch of dentistry which deals with the replacement of missing
parts is called Answer: Prosthodontics
⫸ An agent's license has been suspended for non-renewal. The agent
my apply for reinstatement Answer: within 12 months of the license
renewal date
, ⫸ Which of the following is an annuity that is linked to a market-related
index? Answer: Equity- indexed annuity
⫸ A closed network plan offers a a primary physician copay of $25. If a
subscriber chooses a primary care physician outside of the network, the
subscriber will likely pay Answer: 100% of the billed amount
⫸ An accident and health insurer has just received written proof of loss
from one of its insureds. The insured must now wait 60 days before
Answer: bringing legal action against the insurer
⫸ An individual most likely will have an insurable interest in insuring a
person's life if Answer: An economic interest exists for the continuance
of the insured's life
⫸ According to the Health Insurance Portability and Accountability Act
(HIPPA), when can a group health policy renewal be denied? Answer:
Participation or contribution rules have been violated
⫸ Medicaid is a government-funded program designed to provide health
care to Answer: poor people
⫸ Medicare Part A does not pay for medical benefits provided for the
treatment in a skilled nursing facility beyond Answer: 100 days
