CERTIFIED ENROLLER COVERED
CALIFORNIA MIDTERM CERTIFICATION
EVALUATION 2026 FULL QUESTION BANK
ACCURATE ANSWERS EXPERT VERIFIED
RESOURCE GRADED A+
⩥ "Life insurance creates an immediate estate". This phrase means.
Answer: When the insured dies, a death benefit is paid
⩥ A person who asserts a right of recovery under an insurance policy is
called. Answer: Claimant
⩥ Before an insurer is allowed to test an individual for HIV, what must
be completed?. Answer: Consent Form
⩥ Jim is the insured on a health insurance policy and holds 2 jobs. If
"occupation" is used to classify the risk, the insurer will most likely
classify Jim according to the occupation that. Answer: is most hazardous
⩥ Under a long-term care insurance policy, adult day care coverage will
provide for. Answer: part time care at a facility for elderly individuals
who live at home
,⩥ Which of the following is NOT true regarding a family policy that
covers children?. Answer: Conversion of child's coverage to permanent
insurance requires evidence of insurability
⩥ How long is a person expected to be disabled in order to receive
Social Security disability benefits?. Answer: 12 months
⩥ Which of the following describes the number of deaths in a year
compared to the number of people in a select group?. Answer: Mortality
rate
⩥ Which of the following is NOT required in the content of a policy?.
Answer: Probability of loss
⩥ Jim is applying to become an insurance agent and has a past
misdemeanor conviction that was later expunged due to California Penal
Code 1203.4. Which of the following statements is correct?. Answer:
Jim must still disclose the conviction on his insurance license
application
⩥ Which of the following is a life insurance policy that does NOT
require a physical exam?. Answer: Non-medical
,⩥ The insurer has the option of terminating a health insurance policy on
a date stated in the contract. What type of policy is this?. Answer:
Optionally renewable
⩥ An individual that has 40 quarters of coverage, for Social Security
purposes, is considered to be. Answer: Fully insured
⩥ In a life insurance policy, the entire contract consists of the. Answer:
policy and attached application
⩥ Which of the following is NOT considered to be an act of insurance
solicitation?. Answer: Publishing a magazine where one of the
advertisers is an insurer
⩥ All of the following circumstances must be met for loss retention to be
an effective risk management technique EXCEPT. Answer: Probability
of loss is unknown
⩥ The importance of a representation is demonstrated in what rule?.
Answer: Materiality of concealment
⩥ Which word implies permissiveness according to the California
Insurance Code?. Answer: May
, ⩥ Medical expense policies will typically cover which of the following?.
Answer: Injuries caused by accidents
⩥ Which of the following is NOT protected under the California Life
and Health Guarantee Association?. Answer: Insurers
⩥ Individuals become eligible for Medicare Part A benefits at what age?.
Answer: 65
⩥ An agent's attempt to stop the replacement of an existing life
insurance policy is known as. Answer: conservation
⩥ Which of the following is NOT an accurate description of Access for
Infants and Mothers Program (AIM)?. Answer: Only women who have
private insurance plans with a maternity-only deductible or copayment
greater than $1,500 are eligible
⩥ All of these statements concerning Medicare are true EXCEPT.
Answer: Long-term care is covered by Medicare Part C
⩥ Which of the following is NOT considered to be an unfair claims
settlement practice?. Answer: Advising a claimant to hire an attorney
CALIFORNIA MIDTERM CERTIFICATION
EVALUATION 2026 FULL QUESTION BANK
ACCURATE ANSWERS EXPERT VERIFIED
RESOURCE GRADED A+
⩥ "Life insurance creates an immediate estate". This phrase means.
Answer: When the insured dies, a death benefit is paid
⩥ A person who asserts a right of recovery under an insurance policy is
called. Answer: Claimant
⩥ Before an insurer is allowed to test an individual for HIV, what must
be completed?. Answer: Consent Form
⩥ Jim is the insured on a health insurance policy and holds 2 jobs. If
"occupation" is used to classify the risk, the insurer will most likely
classify Jim according to the occupation that. Answer: is most hazardous
⩥ Under a long-term care insurance policy, adult day care coverage will
provide for. Answer: part time care at a facility for elderly individuals
who live at home
,⩥ Which of the following is NOT true regarding a family policy that
covers children?. Answer: Conversion of child's coverage to permanent
insurance requires evidence of insurability
⩥ How long is a person expected to be disabled in order to receive
Social Security disability benefits?. Answer: 12 months
⩥ Which of the following describes the number of deaths in a year
compared to the number of people in a select group?. Answer: Mortality
rate
⩥ Which of the following is NOT required in the content of a policy?.
Answer: Probability of loss
⩥ Jim is applying to become an insurance agent and has a past
misdemeanor conviction that was later expunged due to California Penal
Code 1203.4. Which of the following statements is correct?. Answer:
Jim must still disclose the conviction on his insurance license
application
⩥ Which of the following is a life insurance policy that does NOT
require a physical exam?. Answer: Non-medical
,⩥ The insurer has the option of terminating a health insurance policy on
a date stated in the contract. What type of policy is this?. Answer:
Optionally renewable
⩥ An individual that has 40 quarters of coverage, for Social Security
purposes, is considered to be. Answer: Fully insured
⩥ In a life insurance policy, the entire contract consists of the. Answer:
policy and attached application
⩥ Which of the following is NOT considered to be an act of insurance
solicitation?. Answer: Publishing a magazine where one of the
advertisers is an insurer
⩥ All of the following circumstances must be met for loss retention to be
an effective risk management technique EXCEPT. Answer: Probability
of loss is unknown
⩥ The importance of a representation is demonstrated in what rule?.
Answer: Materiality of concealment
⩥ Which word implies permissiveness according to the California
Insurance Code?. Answer: May
, ⩥ Medical expense policies will typically cover which of the following?.
Answer: Injuries caused by accidents
⩥ Which of the following is NOT protected under the California Life
and Health Guarantee Association?. Answer: Insurers
⩥ Individuals become eligible for Medicare Part A benefits at what age?.
Answer: 65
⩥ An agent's attempt to stop the replacement of an existing life
insurance policy is known as. Answer: conservation
⩥ Which of the following is NOT an accurate description of Access for
Infants and Mothers Program (AIM)?. Answer: Only women who have
private insurance plans with a maternity-only deductible or copayment
greater than $1,500 are eligible
⩥ All of these statements concerning Medicare are true EXCEPT.
Answer: Long-term care is covered by Medicare Part C
⩥ Which of the following is NOT considered to be an unfair claims
settlement practice?. Answer: Advising a claimant to hire an attorney
