WEBCE INSURANCE TEST 2026/2027
ACTUAL QUESTIONS WITH VERIFIED
ANSWERS.
Which statement about the conversion provision in group health
insurance policies is correct?
An employee must complete an application and pay the first
premium within six months after the date employment is
terminated.
A person will not have the right to convert a policy if it was
terminated due to nonpayment of premium.
An employee must provide evidence of insurability to convert
to an individual policy.
A person must prove that he or she was insured under the
group policy for at least one year before termination. - correct
answer-a person will not have the right to convert a policy if it
was terminated due to nonpayment of premium
To confirm that an individual was insured for a stated period,
which of the following must a health insurer issue to an insured
individual?
certificate of insurance
,certificate of creditable coverage
certificate of coverage
certificate of authority - correct answer-certificate of creditable
coverage
*a certificate of creditable coverage is a health insurer's written
confirmation that the insurer insured an individual for the period
stated. Another health insurer must accept this certificate in
determining an individual's eligibility for coverage
HIPAA guarantees the availability of health insurance coverage
in the individual market for eligible individuals who have had at
least how many months of aggregate creditable coverage?
18
12
24
6 - correct answer-18 months
Suzanne's group health insurance policy terminated on
December 31. Within how many days must she apply for a
conversion policy?
60
,30
45
31 - correct answer-31 days
If a group health insurance policy terminates, an employee can
elect to convert coverage provided he or she has been insured
under the plan for how long before it terminates?
6 months
12 months
3 months
9 months - correct answer-3 months
A producer's commission for the sale of a Medicare supplement
policy in the first year following its effective date cannot exceed
what percentage of the commission paid for servicing the policy
in the second year?
150
100
25
200 - correct answer-200%
, What is the maximum length of time that a Medicare
supplement policy can exclude individuals from coverage
based on pre-existing medical conditions?
6 months
3 months
12 months
24 months - correct answer-6 months
Horace buys a Medicare supplement insurance policy but
decides not to keep it. How many days does he have to return it
for a full refund of the premium?
30
14
21
10 - correct answer-30 days
Which of the following statements about an individual long-term
care insurance policies issued in Pennsylvania is TRUE?
They must be guaranteed renewable or noncancelable.
ACTUAL QUESTIONS WITH VERIFIED
ANSWERS.
Which statement about the conversion provision in group health
insurance policies is correct?
An employee must complete an application and pay the first
premium within six months after the date employment is
terminated.
A person will not have the right to convert a policy if it was
terminated due to nonpayment of premium.
An employee must provide evidence of insurability to convert
to an individual policy.
A person must prove that he or she was insured under the
group policy for at least one year before termination. - correct
answer-a person will not have the right to convert a policy if it
was terminated due to nonpayment of premium
To confirm that an individual was insured for a stated period,
which of the following must a health insurer issue to an insured
individual?
certificate of insurance
,certificate of creditable coverage
certificate of coverage
certificate of authority - correct answer-certificate of creditable
coverage
*a certificate of creditable coverage is a health insurer's written
confirmation that the insurer insured an individual for the period
stated. Another health insurer must accept this certificate in
determining an individual's eligibility for coverage
HIPAA guarantees the availability of health insurance coverage
in the individual market for eligible individuals who have had at
least how many months of aggregate creditable coverage?
18
12
24
6 - correct answer-18 months
Suzanne's group health insurance policy terminated on
December 31. Within how many days must she apply for a
conversion policy?
60
,30
45
31 - correct answer-31 days
If a group health insurance policy terminates, an employee can
elect to convert coverage provided he or she has been insured
under the plan for how long before it terminates?
6 months
12 months
3 months
9 months - correct answer-3 months
A producer's commission for the sale of a Medicare supplement
policy in the first year following its effective date cannot exceed
what percentage of the commission paid for servicing the policy
in the second year?
150
100
25
200 - correct answer-200%
, What is the maximum length of time that a Medicare
supplement policy can exclude individuals from coverage
based on pre-existing medical conditions?
6 months
3 months
12 months
24 months - correct answer-6 months
Horace buys a Medicare supplement insurance policy but
decides not to keep it. How many days does he have to return it
for a full refund of the premium?
30
14
21
10 - correct answer-30 days
Which of the following statements about an individual long-term
care insurance policies issued in Pennsylvania is TRUE?
They must be guaranteed renewable or noncancelable.
