Pennsylvania State Health and Life Insurance Exam
Questions and Guide Answers
100% Verified Graded A+
1. Which of the following must be present in all medicare supplement plans?-
Answer: Plan A
2. What was created to keep telemarketers from calling consumers who do not
wish to be contacted?
Answer: National Do not call registry
3. Which insurance principle states that if a policy allows for greater compen-
sation than the financial loss incurred, the insured may only receive benefits
for the amount lost?
Answer: Indemnity
4. Which of the following would not be considered an expectation to the
,national do not call list?
Answer: Calls based from outside the United States
5. Insurance companies may be classified according to the legal form of their
ownership. The type of company organized to return any surplus money to
their policyholders is
Answer: A mutual insurer
6. Which of the following is not a metal level of coverage offered under the
patient protection and affordable care act?
Answer: Iron
7. A long-term care shoppers guide must be presented at what point
Answer: Prior to the time of application
8. Which of the following programs is made up of 4 parts, where the first part
is paid for by FICA, and the second part is financed by premiums and payroll
taxes?
Answer: Medicare
9. A person applying for a manager or exclusive general agent license must
meet all of the following criteria EXCEPT
Answer: Be responsible for at least 25% of total commissions collected by the oflce that he or she
, manages
10. Which of the following is an example of a peril covered in an accident and
health insurance policy?
Answer: Sickness
11. Which nonforfeiture option has the highest amount of insurance protec-
tion?
Answer: Extended Term
12. A person steps off a streetcar and trips and breaks his ankle. This type of
injury can be described as
Answer: Sudden and Unforeseen
13. A domestic insurer issuing variable contracts must establish one or more-
Answer: Separate Accounts
14. Which of the following best describes a misrepresentations?
Answer: Issuing sales material that are exaggerated
Questions and Guide Answers
100% Verified Graded A+
1. Which of the following must be present in all medicare supplement plans?-
Answer: Plan A
2. What was created to keep telemarketers from calling consumers who do not
wish to be contacted?
Answer: National Do not call registry
3. Which insurance principle states that if a policy allows for greater compen-
sation than the financial loss incurred, the insured may only receive benefits
for the amount lost?
Answer: Indemnity
4. Which of the following would not be considered an expectation to the
,national do not call list?
Answer: Calls based from outside the United States
5. Insurance companies may be classified according to the legal form of their
ownership. The type of company organized to return any surplus money to
their policyholders is
Answer: A mutual insurer
6. Which of the following is not a metal level of coverage offered under the
patient protection and affordable care act?
Answer: Iron
7. A long-term care shoppers guide must be presented at what point
Answer: Prior to the time of application
8. Which of the following programs is made up of 4 parts, where the first part
is paid for by FICA, and the second part is financed by premiums and payroll
taxes?
Answer: Medicare
9. A person applying for a manager or exclusive general agent license must
meet all of the following criteria EXCEPT
Answer: Be responsible for at least 25% of total commissions collected by the oflce that he or she
, manages
10. Which of the following is an example of a peril covered in an accident and
health insurance policy?
Answer: Sickness
11. Which nonforfeiture option has the highest amount of insurance protec-
tion?
Answer: Extended Term
12. A person steps off a streetcar and trips and breaks his ankle. This type of
injury can be described as
Answer: Sudden and Unforeseen
13. A domestic insurer issuing variable contracts must establish one or more-
Answer: Separate Accounts
14. Which of the following best describes a misrepresentations?
Answer: Issuing sales material that are exaggerated
