ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Arizona Life and Health Insurance Exam: Questions and Answers 2026,
Exams of Nursing
When the disclosure of an insured's nonpublic information is involved, what is the insurer obligated to
do?
Give notice, explain, and allow opting out
Under the Telemarketing Sales Rule, telemarketing calls may NOT be received after
9:00 PM
A health plan offered by private insurance companies is
Medicare Supplement
Chris has a single major medical contract which covers all medical expenses. His plan is considered to be
comprehensive
In accident and health insurance, 60 days must pass after written proof of loss has been received by an
insurer before the insured may
Bring legal action against the insurer
5/9/2026
When a ten year renewable term life insurance policy issued at age 45 is renewed, the premium rate will
be the current rate for
1
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Ten year term insurance for a person aged 55
All of the following are unfair claims settlement practices except
An attempt to settle a claim by arbitration
What is covered under a limited accident and health insurance policy?
Limited perils and amounts
A life insurance policy provision that has the ability to reduce the death benefit is called
Accelerated (living) benefit
If an accident and health insurance claim form is NOT supplied to the insured within 15 says after the
notice of claim, the insured may comply with the proof of loss provision by submitting
Written proof of the occurrence and extent of loss
How are monthly life annuity benefit payments treated under a tax sheltered annuity (TSA)?
Taxed as ordinary income in the year received
How does a continuous premium whole life policy differ from a limited payment whole life policy?
The time period in which premiums will be paid
5/9/2026
2
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Which of these is an accurate statement regarding the fixed period settlement option on a life insurance
policy?
A portion of the payments paid to the beneficiary comes from interest calculated on the proceeds of
the policy
Under what circumstance does an accident and health insurer have the right to request an autopsy?
When not prohibited by state law
A material change in a modified endowment contract (MEC) results in
the seven pay test, adjusted for cash value, being applied again
Under an adjustable life insurance policy, which of the following may NOT be changed without further
underwriting?
The person insured
Linda is covered with long-term care insurance and has early-stage Alzheimer's. She is still able to reside
in her home while receiving primary care, as opposed to moving into a nursing home. All of the
following long-term benefits encourage this EXCEPT for
custodial care
Employer-paid qualified long-term care insurance premiums are typically
Excluded from the employee's gross income.
5/9/2026
3
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Which statement regarding the certificate of insurance is accurate?
Indicates evidence of an employee's insurance coverage
Purchasing insurance is an example of risk
transference
When an applicant applies for a large amount of life insurance coverage, which of the following would
likely NOT be an underwriting requirement?
eye examination
A comprehensive major medical health insurance policy contains an eligible expenses provision which
identifies the type of health care services that are covered. All of the following health care services are
typical covered EXCEPT for
Experimental and investigative services
All of these statements concerning group credit life insurance are false EXCEPT
The face amount is determined by the outstanding loan balance
Who may terminate coverage under and cancelable health insurance policy?
insurer or insured
5/9/2026
The interest credited to the cash values of personally-owned non-qualified annuities is considered
4
05/09/2026
AND ANSWERS 2026
Arizona Life and Health Insurance Exam: Questions and Answers 2026,
Exams of Nursing
When the disclosure of an insured's nonpublic information is involved, what is the insurer obligated to
do?
Give notice, explain, and allow opting out
Under the Telemarketing Sales Rule, telemarketing calls may NOT be received after
9:00 PM
A health plan offered by private insurance companies is
Medicare Supplement
Chris has a single major medical contract which covers all medical expenses. His plan is considered to be
comprehensive
In accident and health insurance, 60 days must pass after written proof of loss has been received by an
insurer before the insured may
Bring legal action against the insurer
5/9/2026
When a ten year renewable term life insurance policy issued at age 45 is renewed, the premium rate will
be the current rate for
1
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Ten year term insurance for a person aged 55
All of the following are unfair claims settlement practices except
An attempt to settle a claim by arbitration
What is covered under a limited accident and health insurance policy?
Limited perils and amounts
A life insurance policy provision that has the ability to reduce the death benefit is called
Accelerated (living) benefit
If an accident and health insurance claim form is NOT supplied to the insured within 15 says after the
notice of claim, the insured may comply with the proof of loss provision by submitting
Written proof of the occurrence and extent of loss
How are monthly life annuity benefit payments treated under a tax sheltered annuity (TSA)?
Taxed as ordinary income in the year received
How does a continuous premium whole life policy differ from a limited payment whole life policy?
The time period in which premiums will be paid
5/9/2026
2
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Which of these is an accurate statement regarding the fixed period settlement option on a life insurance
policy?
A portion of the payments paid to the beneficiary comes from interest calculated on the proceeds of
the policy
Under what circumstance does an accident and health insurer have the right to request an autopsy?
When not prohibited by state law
A material change in a modified endowment contract (MEC) results in
the seven pay test, adjusted for cash value, being applied again
Under an adjustable life insurance policy, which of the following may NOT be changed without further
underwriting?
The person insured
Linda is covered with long-term care insurance and has early-stage Alzheimer's. She is still able to reside
in her home while receiving primary care, as opposed to moving into a nursing home. All of the
following long-term benefits encourage this EXCEPT for
custodial care
Employer-paid qualified long-term care insurance premiums are typically
Excluded from the employee's gross income.
5/9/2026
3
, ARIZONA LIFE AND HEALTH INSURANCE EXAM: QUESTIONS
05/09/2026
AND ANSWERS 2026
Which statement regarding the certificate of insurance is accurate?
Indicates evidence of an employee's insurance coverage
Purchasing insurance is an example of risk
transference
When an applicant applies for a large amount of life insurance coverage, which of the following would
likely NOT be an underwriting requirement?
eye examination
A comprehensive major medical health insurance policy contains an eligible expenses provision which
identifies the type of health care services that are covered. All of the following health care services are
typical covered EXCEPT for
Experimental and investigative services
All of these statements concerning group credit life insurance are false EXCEPT
The face amount is determined by the outstanding loan balance
Who may terminate coverage under and cancelable health insurance policy?
insurer or insured
5/9/2026
The interest credited to the cash values of personally-owned non-qualified annuities is considered
4
