CONNECTICUT LIFE AND HEALTH EXAM
QUESTIONS AND ANSWERS
A family counseling benefit is typically offered under which of these coverages? -
ANSWER-hospice care
.A keogh plan is a - ANSWER-Qualified retirement plan for the self employed
.A life insurance policy owner would like a dividend option that results in a limited
current outlay of funds. Which dividend option would be chosen? - ANSWER-
Reduction of premium payment
.A life insurance policy that is paid annually must contain a grace period of at least
______ days. - ANSWER-30
.A policyowner has a life insurance policy where she had listed her age on the
application as 5 years younger than her actual age. If she dies and the insurer
discovers the misstatement of age, how much will the insurance company pay? -
ANSWER-Less than the face amount
.A policyowner suffers a covered accident and health insurance loss on June 30
and submits the proof of loss to the insurer July 10. If the policyowner cancelled
the coverage on July 2, how will the insurance company handle the claim? -
ANSWER-Claim must be paid after proof of loss is received
, .A pre-existing condition exclusion in an accident and health insurance policy
pertains to - ANSWER-Prior health matters
.A prepaid dental plan has an agreement in place with a network of dentists which
- ANSWER-establishes amounts that are considered full payment for services
rendered
.A(n) ________ insurer writes business in a state other than the one in which it is
domiciled. - ANSWER-Foreign
.After an applicant reads and signs an insurance application, he/she should be
conscious of the fact that - ANSWER-a false statement could lead to loss of
coverage
.All of these are considered features of whole life insurance except - ANSWER-
Initial premium is lower than for an equivalent amount of term insurance
.An individual, age 45, would like to help pay for his daughters college expenses in
10 years. Which annuity would be appropriate for this individual? - ANSWER-
deferred annuity
.An insurance contract may be voided if a misrepresentation found on the
application is determined to be - ANSWER-material
.Andy is in need of health care performed by skilled medical practitioners, but
only on an intermittent basis. What level of care will his doctor likely prescribe? -
ANSWER-intermediate care
QUESTIONS AND ANSWERS
A family counseling benefit is typically offered under which of these coverages? -
ANSWER-hospice care
.A keogh plan is a - ANSWER-Qualified retirement plan for the self employed
.A life insurance policy owner would like a dividend option that results in a limited
current outlay of funds. Which dividend option would be chosen? - ANSWER-
Reduction of premium payment
.A life insurance policy that is paid annually must contain a grace period of at least
______ days. - ANSWER-30
.A policyowner has a life insurance policy where she had listed her age on the
application as 5 years younger than her actual age. If she dies and the insurer
discovers the misstatement of age, how much will the insurance company pay? -
ANSWER-Less than the face amount
.A policyowner suffers a covered accident and health insurance loss on June 30
and submits the proof of loss to the insurer July 10. If the policyowner cancelled
the coverage on July 2, how will the insurance company handle the claim? -
ANSWER-Claim must be paid after proof of loss is received
, .A pre-existing condition exclusion in an accident and health insurance policy
pertains to - ANSWER-Prior health matters
.A prepaid dental plan has an agreement in place with a network of dentists which
- ANSWER-establishes amounts that are considered full payment for services
rendered
.A(n) ________ insurer writes business in a state other than the one in which it is
domiciled. - ANSWER-Foreign
.After an applicant reads and signs an insurance application, he/she should be
conscious of the fact that - ANSWER-a false statement could lead to loss of
coverage
.All of these are considered features of whole life insurance except - ANSWER-
Initial premium is lower than for an equivalent amount of term insurance
.An individual, age 45, would like to help pay for his daughters college expenses in
10 years. Which annuity would be appropriate for this individual? - ANSWER-
deferred annuity
.An insurance contract may be voided if a misrepresentation found on the
application is determined to be - ANSWER-material
.Andy is in need of health care performed by skilled medical practitioners, but
only on an intermittent basis. What level of care will his doctor likely prescribe? -
ANSWER-intermediate care
