washington life and health exam

WASHINGTONE LIFE AND HEALTH (DISABILITY) 2025 COMPLETE p p p p p p p


ACTUAL EXAM REAL QUESTIONS AND CORRECT VERIFIED ANSW
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ERS WITH RATIONALES (APPROVED SOLUTIONS) LATEST UPDAT
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ED VERSION |ALREADY GRADED A+
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An insurer authorized to do business within this state is consideredw
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hat type of insurer?
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A
Alien p



B
Domestic p



C
Foreign p



D
Admitted - ......answer .... D-Admitted
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An insurer authorized to do business in this state is referred to as ad
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mitted, and could be either domestic, foreign, or alien domiciled.
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A long-
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term care policy can exclude from coverage all of thefollowin
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g, except:
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Hospitalization (acute care) p p p



B
Intentionally self-inflicted injuries p p

,C
Rest cures p p



D
Alzheimer's disease - ......answer .... D- Alzheimer's disease
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Alzheimer's disease cannot be excluded from long- p p p p p p



term carecoverage.
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Which is not correct concerning a Blue Cross and Blue Shield Plan?
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A
In most states, they are considered not-for-profit organizationsB
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Benefits are paid directly to the insured individual
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C
They are fee for service plans
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D
They offer both individual and group coverage - ......answer ...... B-
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Benefits are paid directly to the insured individual
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As both Blue Cross and Blue Shield Plans are fee for service progra
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ms, they pay the service provider, not the covered individual(i.e. subs
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criber). They are typically not-for-
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profit and provide both group and individual coverage.
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Universal Life and Variable Universal Life share all of the followingch
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aracteristics, except: p

,A
Policy loans, surrenders, and partial withdrawals are permitted
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B
Flexible premiums p



C
Adjustable death benefit options p p p



D
The investment risk - ......answer ..... B- Flexible premiums
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But like Variable life, a VUL has a separate account that is maintained a
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nd the investment return fluctuates based on the performance of these
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parate account. Since there is no guaranteed return on the separateacc
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ount, the owner bears all investment risk.
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All of the following are life insurance disability riders, except:
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A
Disability Income Benefit p p



B
Payor Benefit p



C
Waiver of Premium p p



D
Jumping Juvenile - ......answer ..... D- Jumping Juvenile
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A payor benefit can be added to a jumping juvenile policy.
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, Each major line of insurance requires at least
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credit hours of
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prelicensure instruction. p



A
12
B
20
C
16
D
18 - ......answer ..... B- 20
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Each major line of insurance requires at least 20 credit hours of preli
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censure instruction and the license examination must be takenwithin
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12 months of completion.
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Fred owns a 40-
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Pay Life Policy. He designated his wife, Ethel, as primary beneficiary.
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Upon Fred's death, Ethel receives a set amountfor life. Fred chose whi
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ch Settlement Option?
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A
Extended Term p



B
Fixed Period p



C
Life Income Only
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D