AFLAC ACADEMY INSURANCE
COMPREHENSIVE CERTIFICATION
EXAMINATION 2026 FULL QUESTIONS AND
VERIFIED SOLUTIONS
◉ *Which of the following reasons is NOT a valid reason for
replacing a customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE.
Answer: *B. declining health status*
◉ *What MUST insurance producers have in the event of being sued
for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE.
,Answer: *C. errors and omissions insurance coverage*
◉ *National Sales Guidelines combine _____ and _____ for Aflac
specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above.
Answer: *B. Procedures, direction*
◉ *If your local radio station requests an interview with you to
discuss Aflac Insurance products in your capacity as an Aflac sales
producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of
Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters
(WWH) are permitted to discuss Aflac or its products with the
media..
Answer: *C. NO, only individuals authorized by Aflac WorldWide
Headquarters (WWH) are permitted to discuss Aflac or its products
with the media.*
,◉ *Purposely holding applications for contest qualification for
yourself or others is ________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice.
Answer: *C. a prohibited practice*
◉ *Which example satisfies the requirement that a producer MUST
be licensed to sell insurance in EACH state in which the account
resides PRIOR to soliciting insurance coverage to customers?*
A. Obtaining confirmation of your valid state insurance license to sell
insurance in each state in which the account resides prior to meeting
with any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage
from you while you are studying for the agent licensing test
C. Selling less than five insurance policies before receiving your
insurance agent license
D. Selling three insurance policies in a neighboring state to the state
where you have a valid agent's license.
Answer: *A. Obtaining confirmation of your valid state insurance
license to sell insurance in each state in which the account resides
prior to meeting with any customers about buying insurance
coverage*
, ◉ *Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own
application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures
during the application/enrollment process.
D. NONE of the ABOVE.
Answer: *B. Altering a customer's date of birth on an application*
◉ *We create environments that are free from discrimination and
harassment. This means ________________ toward other people,
whether they are our Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above.
Answer: *C. Refraining from inappropriate conduct*
◉ *If you provide false or misleading statements to Aflac regarding
your insurance sales activity or knowingly allowing false or
COMPREHENSIVE CERTIFICATION
EXAMINATION 2026 FULL QUESTIONS AND
VERIFIED SOLUTIONS
◉ *Which of the following reasons is NOT a valid reason for
replacing a customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE.
Answer: *B. declining health status*
◉ *What MUST insurance producers have in the event of being sued
for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE.
,Answer: *C. errors and omissions insurance coverage*
◉ *National Sales Guidelines combine _____ and _____ for Aflac
specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above.
Answer: *B. Procedures, direction*
◉ *If your local radio station requests an interview with you to
discuss Aflac Insurance products in your capacity as an Aflac sales
producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of
Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters
(WWH) are permitted to discuss Aflac or its products with the
media..
Answer: *C. NO, only individuals authorized by Aflac WorldWide
Headquarters (WWH) are permitted to discuss Aflac or its products
with the media.*
,◉ *Purposely holding applications for contest qualification for
yourself or others is ________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice.
Answer: *C. a prohibited practice*
◉ *Which example satisfies the requirement that a producer MUST
be licensed to sell insurance in EACH state in which the account
resides PRIOR to soliciting insurance coverage to customers?*
A. Obtaining confirmation of your valid state insurance license to sell
insurance in each state in which the account resides prior to meeting
with any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage
from you while you are studying for the agent licensing test
C. Selling less than five insurance policies before receiving your
insurance agent license
D. Selling three insurance policies in a neighboring state to the state
where you have a valid agent's license.
Answer: *A. Obtaining confirmation of your valid state insurance
license to sell insurance in each state in which the account resides
prior to meeting with any customers about buying insurance
coverage*
, ◉ *Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own
application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures
during the application/enrollment process.
D. NONE of the ABOVE.
Answer: *B. Altering a customer's date of birth on an application*
◉ *We create environments that are free from discrimination and
harassment. This means ________________ toward other people,
whether they are our Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above.
Answer: *C. Refraining from inappropriate conduct*
◉ *If you provide false or misleading statements to Aflac regarding
your insurance sales activity or knowingly allowing false or
