EMILLECT 2024/2025 ACADEMIC YEAR ©2024 EMILLECT. ALL RIGHTS RESERVED. FIRST PUBLISH OCTOBER 2024.
Life and Health Certification Exam
Practice Questions and Answers |Verified
Which of the following types of insurance riders is not based on term life insurance? - Answer✔✔-
Waiver of premium
At what point after the effective date of an accident and health insurance policy does it become
incontestable? - Answer✔✔-2 years
All of the following groups may contract with PPOs exctpt - Answer✔✔-Government programs
under a long-term care insurance policy, the level of care that is mainly necessary for the purpose of
meeting daily living requirements is called: - Answer✔✔-Custodial care
social security defines disability as the inability to engage - Answer✔✔-the duties of any occupation
a life insurance buyer's guide can be used for all of the following uses except - Answer✔✔-comparison of
the cost of similar policies
all of the following are considered service providers except - Answer✔✔-a commercial insurance
company
an agent attends a continuing education course offering 12 hours of credit before the course is approved
by the commissioner. in this case, the agent will receive - Answer✔✔-no credit for the course, because
courses must be approved before study begins
PPO - Answer✔✔-preferred provider organization (
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, EMILLECT 2024/2025 ACADEMIC YEAR ©2024 EMILLECT. ALL RIGHTS RESERVED. FIRST PUBLISH OCTOBER 2024.
HMO - Answer✔✔-health maintenance organization (cheaper - less options)
All of the following are duties of the commissioner EXCEPT - Answer✔✔-writing the Washington
insurance laws
Who investigates claims on behalf of the insurer or the insured? - Answer✔✔-An Adjuster
Which of the following sales of insurance is subject to replacement regulations? - Answer✔✔-Sale of
new individual life insurance policy that causes an existing life insurance policy to be surrendered.
a lapsed life insurance policy may be reinstated - Answer✔✔-Within 30 days after the grace period
expires
policies classified as non-occupational normally provide coverage for - Answer✔✔-losses due to sickness
or accidents that are not work-related.
a guaranteed insurability rider normally provides that between ages 25 and 40, additional life insurance
may be purchased without proof of insurability - Answer✔✔-whenever the policyowner wishes
when a health maintenance organization chooses a limited number of health care providers to provide
services to its subscribers, this is known as - Answer✔✔-A Gatekeeper system
Which of the following correctly describes Medicaid? - Answer✔✔-It provides medical benefits for
certain low-income people
all of the following are required provisions in health care insurance policies EXCEPT - Answer✔✔-Change
of occupation
An insurer that is incorporated and operates in the same state with which it is organized is called -
Answer✔✔-Domestic
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Life and Health Certification Exam
Practice Questions and Answers |Verified
Which of the following types of insurance riders is not based on term life insurance? - Answer✔✔-
Waiver of premium
At what point after the effective date of an accident and health insurance policy does it become
incontestable? - Answer✔✔-2 years
All of the following groups may contract with PPOs exctpt - Answer✔✔-Government programs
under a long-term care insurance policy, the level of care that is mainly necessary for the purpose of
meeting daily living requirements is called: - Answer✔✔-Custodial care
social security defines disability as the inability to engage - Answer✔✔-the duties of any occupation
a life insurance buyer's guide can be used for all of the following uses except - Answer✔✔-comparison of
the cost of similar policies
all of the following are considered service providers except - Answer✔✔-a commercial insurance
company
an agent attends a continuing education course offering 12 hours of credit before the course is approved
by the commissioner. in this case, the agent will receive - Answer✔✔-no credit for the course, because
courses must be approved before study begins
PPO - Answer✔✔-preferred provider organization (
Page 1/9
, EMILLECT 2024/2025 ACADEMIC YEAR ©2024 EMILLECT. ALL RIGHTS RESERVED. FIRST PUBLISH OCTOBER 2024.
HMO - Answer✔✔-health maintenance organization (cheaper - less options)
All of the following are duties of the commissioner EXCEPT - Answer✔✔-writing the Washington
insurance laws
Who investigates claims on behalf of the insurer or the insured? - Answer✔✔-An Adjuster
Which of the following sales of insurance is subject to replacement regulations? - Answer✔✔-Sale of
new individual life insurance policy that causes an existing life insurance policy to be surrendered.
a lapsed life insurance policy may be reinstated - Answer✔✔-Within 30 days after the grace period
expires
policies classified as non-occupational normally provide coverage for - Answer✔✔-losses due to sickness
or accidents that are not work-related.
a guaranteed insurability rider normally provides that between ages 25 and 40, additional life insurance
may be purchased without proof of insurability - Answer✔✔-whenever the policyowner wishes
when a health maintenance organization chooses a limited number of health care providers to provide
services to its subscribers, this is known as - Answer✔✔-A Gatekeeper system
Which of the following correctly describes Medicaid? - Answer✔✔-It provides medical benefits for
certain low-income people
all of the following are required provisions in health care insurance policies EXCEPT - Answer✔✔-Change
of occupation
An insurer that is incorporated and operates in the same state with which it is organized is called -
Answer✔✔-Domestic
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