Page |1 d d
ACCIDENT AND HEALTH INSURANCE EX d d d d
AM 2025| BRAND NEW ACTUAL EXAM WIT
d d d d d d
H 100% VERIFIED QUESTIONS AND CORR
d d d d d
ECT SOLUTIONS| GUARANTEED VALUE P
d d d d
ACK| ACE YOUR GRADES. d d d
A LTC policy that will only pay for ADL given occasionally by a licensed pro
d d d d d d d d d d d d d d
fessional is: d
A: Skilled Care
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B: Intermediate Care
d d d
C: Custodial Care
d d
D: None of the Above - correct answer - C: Custodial Care
d d d d d d d d d d d
Which of the following policy provisions are optional in a individual healt
d d d d d d d d d d d
h policy?
d
A: Entire Contract
d d
B: Change of Occupation C
d d d d
: Entire Contract
d d
D: Reinstatement - correct answer - B: Change of Occupation
d d d d d d d d d
Which of the following elements is part of the entire contract clause? A:
d d d d d d d d d d d d d
The exchange of value between the parties
d d d d d d
B: The agreement between the policyholder and insurer
d d d d d d d
, Page |2 d d
C: The amount of time the insured has to send a policy back for a full refund
d d d d d d d d d d d d d d d d
D: None of the Above - correct answer - D: None of the Above
d d d d d d d d d d d d d
All of the following are true regarding Social Security disability EXCEPT: A:
d d d d d d d d d d d
A insured must wait 5 months before collecting benefits
d d d d d d d d d
B: To qualify an insured must be unable to do any job in the American econ
d d d d d d d d d d d d d d d
omy
C: To qualify an insured must be disabled for a year or longer or die within a
d d d d d d d d d d d d d d d d
two year period.
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D: The insured must have a certain amount of Social Security credits base
d d d d d d d d d d d d
d off age. - correct answer -
d d d d d d
C: To qualify an insured must be disabled for a year or longer or die within
d d d d d d d d d d d d d d d d d
a two year period.
d d d
H has suffered a covered disability away from her job and will shortly begi
d d d d d d d d d d d d d
n collecting benefits. The insurer sends a letter to H stating that she will no
d d d d d d d d d d d d d d
t receive any benefit amounts greater than her income. This clause is kno
d d d d d d d d d d d d
wn as: d
A: Over- d
insurance clause B: free lo d d d d
ok
C: relation of earning to insurance
d d d d d
D: relation of economic value - correct answer -
d d d d d d d d
C: relation of earning to insurance
d d d d d d
The insured should be aware of the issue date upon delivery a policy an
d d d d d d d d d d d d d
d the date should be listed on:
d d d d d d
A: the policy summary
d d d
, Page |3 d d
B: the first page of the contract
d d d d d d d
C: the delivery receipt
d d d
D: upon conditional receipt - correct answer -
d d d d d d d
B: the first page of the contract
d d d d d d d
The policy has all of the following rights EXCEPT:
d d d d d d d d
A: Right to solely renew a guaranteed renewable policy. B
d d d d d d d d d
: Right to terminate a policy
d d d d d
C: Unilateral right to renew an Optionally renewable policy
d d d d d d d d
D: Right to assign a contract - correct answer -
d d d d d d d d d
C: Unilateral right to renew an Optionally renewable policy
d d d d d d d d d
The part of a contract that specifies which expenses may or may not be cov
d d d d d d d d d d d d d d
ered is known as the: d d d d
A: Exclusiond
B: Eligible Expense provision C
d d d d
: Insuring Agreement
d d
D: Consideration Clause - correct answer - B: Eligible Expense provision
d d d d d d d d d d
Which of the following is considered to be a mandatory provision in a healt
d d d d d d d d d d d d d
h policy?
d
A: Time Limit on Certain Defenses B
d d d d d d
: Change of Occupation
d d d
C: Illegal Occupation
d d
, Page |4 d d
D: Intoxicant/Narcotic Usage - correct answer -
d d d d d d
A: Time Limit on Certain Defenses
d d d d d d
Which of the following may be considered an eligible expense found in a h
d d d d d d d d d d d d d
ealth policy? d
A: Cosmetic Surgery
d d d
B: Premium payment
d d d
C: cold cream
d d
D: Bus fare to receive treatment for a covered loss - correct answer -
d d d d d d d d d d d d d
D: Bus fare to receive treatment for a covered loss
d d d d d d d d d d
K has a policy that covers doctors visits but limits the number of visits pe
d d d d d d d d d d d d d d
r calendar year and pays a limited indemnification limit per visit. K has:
d d d d d d d d d d d d
A: Basic Medical Expense
d d d
B: Physician Nonsurgical Coverage
d d d d
C: Basic Surgical Policy
d d d
D: Basic Hospital Coverage - correct answer -
d d d d d d d
B: Physician Nonsurgical Coverage
d d d d
All of the following are CORRECT about Medicare EXCEPT:
d d d d d d d d
A: An insured who is age 30 but collecting Social Security disability for the l
d d d d d d d d d d d d d d
ast two years is eligible for Medicare.
d d d d d d
B: An insured who is age 60 and is at the end stage of renal failure is eligibl
d d d d d d d d d d d d d d d d d
e for Medicare.
d d
ACCIDENT AND HEALTH INSURANCE EX d d d d
AM 2025| BRAND NEW ACTUAL EXAM WIT
d d d d d d
H 100% VERIFIED QUESTIONS AND CORR
d d d d d
ECT SOLUTIONS| GUARANTEED VALUE P
d d d d
ACK| ACE YOUR GRADES. d d d
A LTC policy that will only pay for ADL given occasionally by a licensed pro
d d d d d d d d d d d d d d
fessional is: d
A: Skilled Care
d d
B: Intermediate Care
d d d
C: Custodial Care
d d
D: None of the Above - correct answer - C: Custodial Care
d d d d d d d d d d d
Which of the following policy provisions are optional in a individual healt
d d d d d d d d d d d
h policy?
d
A: Entire Contract
d d
B: Change of Occupation C
d d d d
: Entire Contract
d d
D: Reinstatement - correct answer - B: Change of Occupation
d d d d d d d d d
Which of the following elements is part of the entire contract clause? A:
d d d d d d d d d d d d d
The exchange of value between the parties
d d d d d d
B: The agreement between the policyholder and insurer
d d d d d d d
, Page |2 d d
C: The amount of time the insured has to send a policy back for a full refund
d d d d d d d d d d d d d d d d
D: None of the Above - correct answer - D: None of the Above
d d d d d d d d d d d d d
All of the following are true regarding Social Security disability EXCEPT: A:
d d d d d d d d d d d
A insured must wait 5 months before collecting benefits
d d d d d d d d d
B: To qualify an insured must be unable to do any job in the American econ
d d d d d d d d d d d d d d d
omy
C: To qualify an insured must be disabled for a year or longer or die within a
d d d d d d d d d d d d d d d d
two year period.
d d d
D: The insured must have a certain amount of Social Security credits base
d d d d d d d d d d d d
d off age. - correct answer -
d d d d d d
C: To qualify an insured must be disabled for a year or longer or die within
d d d d d d d d d d d d d d d d d
a two year period.
d d d
H has suffered a covered disability away from her job and will shortly begi
d d d d d d d d d d d d d
n collecting benefits. The insurer sends a letter to H stating that she will no
d d d d d d d d d d d d d d
t receive any benefit amounts greater than her income. This clause is kno
d d d d d d d d d d d d
wn as: d
A: Over- d
insurance clause B: free lo d d d d
ok
C: relation of earning to insurance
d d d d d
D: relation of economic value - correct answer -
d d d d d d d d
C: relation of earning to insurance
d d d d d d
The insured should be aware of the issue date upon delivery a policy an
d d d d d d d d d d d d d
d the date should be listed on:
d d d d d d
A: the policy summary
d d d
, Page |3 d d
B: the first page of the contract
d d d d d d d
C: the delivery receipt
d d d
D: upon conditional receipt - correct answer -
d d d d d d d
B: the first page of the contract
d d d d d d d
The policy has all of the following rights EXCEPT:
d d d d d d d d
A: Right to solely renew a guaranteed renewable policy. B
d d d d d d d d d
: Right to terminate a policy
d d d d d
C: Unilateral right to renew an Optionally renewable policy
d d d d d d d d
D: Right to assign a contract - correct answer -
d d d d d d d d d
C: Unilateral right to renew an Optionally renewable policy
d d d d d d d d d
The part of a contract that specifies which expenses may or may not be cov
d d d d d d d d d d d d d d
ered is known as the: d d d d
A: Exclusiond
B: Eligible Expense provision C
d d d d
: Insuring Agreement
d d
D: Consideration Clause - correct answer - B: Eligible Expense provision
d d d d d d d d d d
Which of the following is considered to be a mandatory provision in a healt
d d d d d d d d d d d d d
h policy?
d
A: Time Limit on Certain Defenses B
d d d d d d
: Change of Occupation
d d d
C: Illegal Occupation
d d
, Page |4 d d
D: Intoxicant/Narcotic Usage - correct answer -
d d d d d d
A: Time Limit on Certain Defenses
d d d d d d
Which of the following may be considered an eligible expense found in a h
d d d d d d d d d d d d d
ealth policy? d
A: Cosmetic Surgery
d d d
B: Premium payment
d d d
C: cold cream
d d
D: Bus fare to receive treatment for a covered loss - correct answer -
d d d d d d d d d d d d d
D: Bus fare to receive treatment for a covered loss
d d d d d d d d d d
K has a policy that covers doctors visits but limits the number of visits pe
d d d d d d d d d d d d d d
r calendar year and pays a limited indemnification limit per visit. K has:
d d d d d d d d d d d d
A: Basic Medical Expense
d d d
B: Physician Nonsurgical Coverage
d d d d
C: Basic Surgical Policy
d d d
D: Basic Hospital Coverage - correct answer -
d d d d d d d
B: Physician Nonsurgical Coverage
d d d d
All of the following are CORRECT about Medicare EXCEPT:
d d d d d d d d
A: An insured who is age 30 but collecting Social Security disability for the l
d d d d d d d d d d d d d d
ast two years is eligible for Medicare.
d d d d d d
B: An insured who is age 60 and is at the end stage of renal failure is eligibl
d d d d d d d d d d d d d d d d d
e for Medicare.
d d
