ILLINOIS ACCIDENT AND HEALTH
PRODUCER GENERAL SIMULATOR
CERTIFICATION EVALUATION 2026
COMPLETE REVIEW GRADED A+
⩥ M applies for a health insurance policy and pays the initial premium.
When the agent completes the application, a conditional receipt is left
with the applicant. The insurance company's underwriting department
request's M's medical records and determines that M has had asthma for
many years. All of the following are probable underwriting outcomes,
EXCEPT:
Answer: Changing the policy's provisions
⩥ M applies for a health insurance policy and pays the initial premium.
When the agent completes the application, a conditional receipt is left
with the applicant. The insurance company's underwriting department
request's M's medical records and determines that M has had asthma for
many years. All of the following are probable underwriting outcomes
Answer: Attach a rider excluding specified coverages
⩥ Which type of policy would pay An employee salary if the employer
was injured in a bicycle accident and out of work for six weeks
Answer: Business overhead expense
, ⩥ Which of the following types of organizations are prepaid group
health plans, where members pay in advance for services of participating
physicians and hospitals that have agreements
Answer: A Health Maintenance Organization (HMO)
is a prepaid group health plan, where members pay in advance for the
services of participating physicians and hospitals that have agreements.
⩥ Which of these is not considered a preventative service in a dental
plan
Answer: Fillings
Fillings, root canal therapy, periodontal treatments, orthodontics, or
tooth extractions are not considered preventative dentistry)
⩥ R becomes disabled and owns an individual Disability Income policy.
When is R eligible to receive disability benefits?
Answer: Upon satisfying the elimination period requirement
⩥ The health insurance program which is administered by each state and
funded by both the federal and state governments is called
Answer: Medicaid-
PRODUCER GENERAL SIMULATOR
CERTIFICATION EVALUATION 2026
COMPLETE REVIEW GRADED A+
⩥ M applies for a health insurance policy and pays the initial premium.
When the agent completes the application, a conditional receipt is left
with the applicant. The insurance company's underwriting department
request's M's medical records and determines that M has had asthma for
many years. All of the following are probable underwriting outcomes,
EXCEPT:
Answer: Changing the policy's provisions
⩥ M applies for a health insurance policy and pays the initial premium.
When the agent completes the application, a conditional receipt is left
with the applicant. The insurance company's underwriting department
request's M's medical records and determines that M has had asthma for
many years. All of the following are probable underwriting outcomes
Answer: Attach a rider excluding specified coverages
⩥ Which type of policy would pay An employee salary if the employer
was injured in a bicycle accident and out of work for six weeks
Answer: Business overhead expense
, ⩥ Which of the following types of organizations are prepaid group
health plans, where members pay in advance for services of participating
physicians and hospitals that have agreements
Answer: A Health Maintenance Organization (HMO)
is a prepaid group health plan, where members pay in advance for the
services of participating physicians and hospitals that have agreements.
⩥ Which of these is not considered a preventative service in a dental
plan
Answer: Fillings
Fillings, root canal therapy, periodontal treatments, orthodontics, or
tooth extractions are not considered preventative dentistry)
⩥ R becomes disabled and owns an individual Disability Income policy.
When is R eligible to receive disability benefits?
Answer: Upon satisfying the elimination period requirement
⩥ The health insurance program which is administered by each state and
funded by both the federal and state governments is called
Answer: Medicaid-
