Ohio Health and Life Insurance Exam Newest
2026 Questions and Correct Detailed Answers
Already Graded A+
The type of policy where the insurer can send a notice to the insured that the
policy has been cancelled in the middle of the term is called - CORRECT
ANSWER-cancelable
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 -
CORRECT ANSWER-The face amount and premium will remain constant over
the 10 year period
A provision that allows a policyowner to withdraw a policy's cash value interest
free in a - CORRECT ANSWER-partial surrender
An employee has ___ days after the date of marriage to add a new spouse to a
small group health plan. - CORRECT ANSWER-30 days
,All of these are considered forms of advertising EXCEPT - CORRECT ANSWER-
An insurer's AM Best rating
A Medicare supplement plan can be canceled by the insurer - CORRECT
ANSWER-for nonpayment of premiums
Which of these preventative care services is NOT provided by health insuring
corporation (HIC) primary care physicians? - CORRECT ANSWER-Hearing
screenings
Under group health insurance, a certificate of coverage is issued to the -
CORRECT ANSWER-employee
Which of the following provides Medicare supplement policies? - CORRECT
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 -
CORRECT 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? - CORRECT ANSWER-Temporary employee
Which of the following is a reinstatement condition? - CORRECT ANSWER-
Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on
the subject of ethics every reporting period. - CORRECT ANSWER-3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio.
In Ohio, Carole is considered to be a - CORRECT ANSWER-nonresident agent
Long- term care insurance applications must contain plain and unambiguous
health questions. The exception to this rule would be applications for -
CORRECT ANSWER-guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the
direct supervision of a physician is called - CORRECT ANSWER-skilled nursing
care
2026 Questions and Correct Detailed Answers
Already Graded A+
The type of policy where the insurer can send a notice to the insured that the
policy has been cancelled in the middle of the term is called - CORRECT
ANSWER-cancelable
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 -
CORRECT ANSWER-The face amount and premium will remain constant over
the 10 year period
A provision that allows a policyowner to withdraw a policy's cash value interest
free in a - CORRECT ANSWER-partial surrender
An employee has ___ days after the date of marriage to add a new spouse to a
small group health plan. - CORRECT ANSWER-30 days
,All of these are considered forms of advertising EXCEPT - CORRECT ANSWER-
An insurer's AM Best rating
A Medicare supplement plan can be canceled by the insurer - CORRECT
ANSWER-for nonpayment of premiums
Which of these preventative care services is NOT provided by health insuring
corporation (HIC) primary care physicians? - CORRECT ANSWER-Hearing
screenings
Under group health insurance, a certificate of coverage is issued to the -
CORRECT ANSWER-employee
Which of the following provides Medicare supplement policies? - CORRECT
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 -
CORRECT 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? - CORRECT ANSWER-Temporary employee
Which of the following is a reinstatement condition? - CORRECT ANSWER-
Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on
the subject of ethics every reporting period. - CORRECT ANSWER-3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio.
In Ohio, Carole is considered to be a - CORRECT ANSWER-nonresident agent
Long- term care insurance applications must contain plain and unambiguous
health questions. The exception to this rule would be applications for -
CORRECT ANSWER-guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the
direct supervision of a physician is called - CORRECT ANSWER-skilled nursing
care
