ILLINOIS ACCIDENT AND HEALTH
PRODUCER GENERAL SIMULATOR FINAL
STUDY GUIDE 2026 QUESTIONS WITH
SOLUTIONS GRADED A+
⩥ ABC Insurance Company fires Renee, a producer. She continues to
interview prospects, make sales presentations with company materials,
and collect premiums. When dealing with Renee, the prospects believe
that she as what kind of authority from ABC
A) Apparent
B) Actual
C) Implied
D) Express.
Answer: A) Apparent
⩥ What is the goal of the relation of earnings to insurance provision?
A) assure the insured that complete coverage is being provided
B) avoid overinsurance
C) Permit the insured to collect disability income benefits that exceed
pre-disability income
,D) protect the insurer against adverse selection.
Answer: B) avoid overinsurance
⩥ Which level of long-term care provides ongoing care that is necessary
to address a person's condition but is not needed 24 hours a day?
A) Remedial care
B) skilled nursing care
C) intermediate care
D) custodial care.
Answer: C) intermediate care
⩥ Which of the following statements regarding the tax treatment of
medical expense insurance premiums and benefits is correct?
A) premiums are not deductible and benefits are taxable
B) premiums are not deductible and benefits are not taxable
C) premiums may be deductible as an unreimbursed medical expense
and benefits are taxable
D) premiums may be deductible as an unreimbursed medical expense
and benefits are not taxable.
Answer: D) premiums may be deductible as an unreimbursed medical
expense and benefits are not taxable
,⩥ For which of the following will a Medicare participant have to pay all
of the costs?
A) doctor's office visits
B) eyeglasses
C) care in an outpatient facility
D) neurological testing.
Answer: B) eyeglasses
⩥ Sasha, Kendall, Adam, and Julio are applying for resident producer
licenses in New Jersey. Which person would most likely not be eligible
for an exemption rom the pre-licensing education requirements?
A) Sasha, who was licensed as a producer in Virginia before her license
expired 3 years ago
B) Kendall, who obtained a Bachelor's degree in insurance this year
C) Adam, who is applying for a life insurance producer license and holds
a Certified Financial Planner designation
D) Julio, who is applying for a health and accident license and holds a
Certified Employee Benefits Specialist (CEBS) designation.
Answer: A) Sasha, who was licensed as a producer in Virginia before her
license expired 3 years ago
, ⩥ With respect to covering a family in a single medical expense
insurance plan, which of the following statements is correct?
A) a group policy can cover the worker and family, but an individual
policy can only cover the insured so each family member would need an
individual policy
B) an individual policy can cover the insured and family, but a group
policy can only cover the worker so each family member would need an
individual policy
C) both group and individual policies can cover the insured and family
D) neither an individual nor a group policy can cover the insured's
family, so each family member would need an individual policy.
Answer: C) both group and individual policies can cover the insured and
family
⩥ Candace submitted an application for a producer license and paid the
licensing fee on June 1. She also obtained a temporary work authority on
the same date. When will Candace's work authority expire?
A) 30 days
B) 60 days
C) 90 days
D) 180 days.
Answer: B) 60 days
PRODUCER GENERAL SIMULATOR FINAL
STUDY GUIDE 2026 QUESTIONS WITH
SOLUTIONS GRADED A+
⩥ ABC Insurance Company fires Renee, a producer. She continues to
interview prospects, make sales presentations with company materials,
and collect premiums. When dealing with Renee, the prospects believe
that she as what kind of authority from ABC
A) Apparent
B) Actual
C) Implied
D) Express.
Answer: A) Apparent
⩥ What is the goal of the relation of earnings to insurance provision?
A) assure the insured that complete coverage is being provided
B) avoid overinsurance
C) Permit the insured to collect disability income benefits that exceed
pre-disability income
,D) protect the insurer against adverse selection.
Answer: B) avoid overinsurance
⩥ Which level of long-term care provides ongoing care that is necessary
to address a person's condition but is not needed 24 hours a day?
A) Remedial care
B) skilled nursing care
C) intermediate care
D) custodial care.
Answer: C) intermediate care
⩥ Which of the following statements regarding the tax treatment of
medical expense insurance premiums and benefits is correct?
A) premiums are not deductible and benefits are taxable
B) premiums are not deductible and benefits are not taxable
C) premiums may be deductible as an unreimbursed medical expense
and benefits are taxable
D) premiums may be deductible as an unreimbursed medical expense
and benefits are not taxable.
Answer: D) premiums may be deductible as an unreimbursed medical
expense and benefits are not taxable
,⩥ For which of the following will a Medicare participant have to pay all
of the costs?
A) doctor's office visits
B) eyeglasses
C) care in an outpatient facility
D) neurological testing.
Answer: B) eyeglasses
⩥ Sasha, Kendall, Adam, and Julio are applying for resident producer
licenses in New Jersey. Which person would most likely not be eligible
for an exemption rom the pre-licensing education requirements?
A) Sasha, who was licensed as a producer in Virginia before her license
expired 3 years ago
B) Kendall, who obtained a Bachelor's degree in insurance this year
C) Adam, who is applying for a life insurance producer license and holds
a Certified Financial Planner designation
D) Julio, who is applying for a health and accident license and holds a
Certified Employee Benefits Specialist (CEBS) designation.
Answer: A) Sasha, who was licensed as a producer in Virginia before her
license expired 3 years ago
, ⩥ With respect to covering a family in a single medical expense
insurance plan, which of the following statements is correct?
A) a group policy can cover the worker and family, but an individual
policy can only cover the insured so each family member would need an
individual policy
B) an individual policy can cover the insured and family, but a group
policy can only cover the worker so each family member would need an
individual policy
C) both group and individual policies can cover the insured and family
D) neither an individual nor a group policy can cover the insured's
family, so each family member would need an individual policy.
Answer: C) both group and individual policies can cover the insured and
family
⩥ Candace submitted an application for a producer license and paid the
licensing fee on June 1. She also obtained a temporary work authority on
the same date. When will Candace's work authority expire?
A) 30 days
B) 60 days
C) 90 days
D) 180 days.
Answer: B) 60 days
