ACCIDENT AND HEALTH INSURANCE EXAM 6
MOCK TEST WITH ANSWER RATIONALES 2026
◉ Which of these situations would NOT potentially involve a prison
sentence under Federal law?
Selling insurance with a nonresident license.
Misappropriating insurance premiums.
Embezzlement of an insurer's funds.
Sending threatening letters to an insurer.
Answer: Selling insurance with a nonresident license.
◉ How long can pre-existing conditions be excluded in long-term
care policies?
6 months.
12 months.
18 months.
24 months.
Answer: 6 months.
,◉ What is the proper procedure for an intermediary to change
his/her mailing address?
Notify the Governor's office in writing within 15 days.
Notify the Commissioner's office in writing within 30 days.
Notify the appointing insurer in writing within 15 days.
Notify the Commissioner's office via telephone within 30 days.
Answer: Notify the Commissioner's office in writing within 30 days.
◉ Health providers are compensated by a preferred provider
organization (PPO) for normal dental procedures by what means?
Usual and customary fee schedules.
Increased fee schedules.
Decreased fee schedules.
Indemnity fee schedules.
Answer: Decreased fee schedules.
◉ According to the Affordable Care Act, new Health Insurance
Marketplaces are established by the
ICIICO.
,CCIIOO.
CCOII.
CCIIO.
Answer: CCIIO.
◉ Which of the following is REQUIRED coverage for all newly-issued
group disability (accident & health)
policies?
Alcohol treatment.
Wage loss due to unemployment.
Long-term disability.
Vision care.
Answer: Alcohol treatment.
◉ Which term refers to insurance written on the interests of the
licensee, the licensee's employer, or the licensee's immediate family?
Controlled business.
Surplus lines.
Fraternal organization.
Reinsurance.
, Answer: Controlled business.
◉ What is considered interstate travel under the Federal Fraud and
False Statements Act?
Canada.
Jamaica.
Mexico.
Puerto Rico.
Answer: Puerto Rico.
◉ Under what circumstances must an intermediary provide his or
her business records to the Commissioner?
Upon request of an insured.
Upon request of the Commissioner.
Under no circumstances due to privacy consideration.
By authorization from the National Association of Insurance
Commissioners (NAIC).
Answer: Upon request of the Commissioner.
MOCK TEST WITH ANSWER RATIONALES 2026
◉ Which of these situations would NOT potentially involve a prison
sentence under Federal law?
Selling insurance with a nonresident license.
Misappropriating insurance premiums.
Embezzlement of an insurer's funds.
Sending threatening letters to an insurer.
Answer: Selling insurance with a nonresident license.
◉ How long can pre-existing conditions be excluded in long-term
care policies?
6 months.
12 months.
18 months.
24 months.
Answer: 6 months.
,◉ What is the proper procedure for an intermediary to change
his/her mailing address?
Notify the Governor's office in writing within 15 days.
Notify the Commissioner's office in writing within 30 days.
Notify the appointing insurer in writing within 15 days.
Notify the Commissioner's office via telephone within 30 days.
Answer: Notify the Commissioner's office in writing within 30 days.
◉ Health providers are compensated by a preferred provider
organization (PPO) for normal dental procedures by what means?
Usual and customary fee schedules.
Increased fee schedules.
Decreased fee schedules.
Indemnity fee schedules.
Answer: Decreased fee schedules.
◉ According to the Affordable Care Act, new Health Insurance
Marketplaces are established by the
ICIICO.
,CCIIOO.
CCOII.
CCIIO.
Answer: CCIIO.
◉ Which of the following is REQUIRED coverage for all newly-issued
group disability (accident & health)
policies?
Alcohol treatment.
Wage loss due to unemployment.
Long-term disability.
Vision care.
Answer: Alcohol treatment.
◉ Which term refers to insurance written on the interests of the
licensee, the licensee's employer, or the licensee's immediate family?
Controlled business.
Surplus lines.
Fraternal organization.
Reinsurance.
, Answer: Controlled business.
◉ What is considered interstate travel under the Federal Fraud and
False Statements Act?
Canada.
Jamaica.
Mexico.
Puerto Rico.
Answer: Puerto Rico.
◉ Under what circumstances must an intermediary provide his or
her business records to the Commissioner?
Upon request of an insured.
Upon request of the Commissioner.
Under no circumstances due to privacy consideration.
By authorization from the National Association of Insurance
Commissioners (NAIC).
Answer: Upon request of the Commissioner.
