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Pennsylvania State Health and Life Insurance Exam
NEWEST 2025/2026 ACTUAL EXAM COMPLETE
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) |ALREADY GRADED
A+||BRAND NEW!!
Which of the following must be present in all medicare supplement plans? -
..(ANSWER)...Plan A
What was created to keep telemarketers from calling consumers who do not wish
to be contacted? - ..(ANSWER)...National Do not call registry
Which insurance principle states that if a policy allows for greater compensation
than the financial loss incurred, the insured may only receive benefits for the
amount lost? - ..(ANSWER)...Indemnity
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
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
Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act? - ..(ANSWER)...Iron
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A long-term care shoppers guide must be presented at what point -
..(ANSWER)...Prior to the time of application
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
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 office that he or she manages
Which of the following is an example of a peril covered in an accident and health
insurance policy? - ..(ANSWER)...Sickness
Which nonforfeiture option has the highest amount of insurance protection? -
..(ANSWER)...Extended Term
A person steps off a streetcar and trips and breaks his ankle. This type of injury
can be described as - ..(ANSWER)...Sudden and Unforeseen
A domestic insurer issuing variable contracts must establish one or more -
..(ANSWER)...Separate Accounts
Which of the following best describes a misrepresentations? -
..(ANSWER)...Issuing sales material that are exaggerated
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Which of the following best describes the unfair trade practice of defamation? -
..(ANSWER)...Making derogatory oral statements about another's financial
conditions
The gatekeeper of an HMO helps - ..(ANSWER)...Control Specialists costs
Which of the following is not true regarding the accumulation period of an
annuity - ..(ANSWER)...It would not occur in a deferred annuity
Which of the following hospice expenses would not be covered in a cost-
containment setting? - ..(ANSWER)...Antibiotics
Based on Human Life Value Approach, which of the following is not used to
calculate an individual's value of life? - ..(ANSWER)...Predicted needs of the family
after the insured's death
What is the major difference between a stock company and mutual company -
..(ANSWER)...Ownership
Which of the following provisions in annuity contracts allow the owner to te
surrender the annuity if interests rates drop to a specified level. -
..(ANSWER)...Bail-out
Pennsylvania State Health and Life Insurance Exam
NEWEST 2025/2026 ACTUAL EXAM COMPLETE
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) |ALREADY GRADED
A+||BRAND NEW!!
Which of the following must be present in all medicare supplement plans? -
..(ANSWER)...Plan A
What was created to keep telemarketers from calling consumers who do not wish
to be contacted? - ..(ANSWER)...National Do not call registry
Which insurance principle states that if a policy allows for greater compensation
than the financial loss incurred, the insured may only receive benefits for the
amount lost? - ..(ANSWER)...Indemnity
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
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
Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act? - ..(ANSWER)...Iron
,2|Page
A long-term care shoppers guide must be presented at what point -
..(ANSWER)...Prior to the time of application
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
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 office that he or she manages
Which of the following is an example of a peril covered in an accident and health
insurance policy? - ..(ANSWER)...Sickness
Which nonforfeiture option has the highest amount of insurance protection? -
..(ANSWER)...Extended Term
A person steps off a streetcar and trips and breaks his ankle. This type of injury
can be described as - ..(ANSWER)...Sudden and Unforeseen
A domestic insurer issuing variable contracts must establish one or more -
..(ANSWER)...Separate Accounts
Which of the following best describes a misrepresentations? -
..(ANSWER)...Issuing sales material that are exaggerated
, 3|Page
Which of the following best describes the unfair trade practice of defamation? -
..(ANSWER)...Making derogatory oral statements about another's financial
conditions
The gatekeeper of an HMO helps - ..(ANSWER)...Control Specialists costs
Which of the following is not true regarding the accumulation period of an
annuity - ..(ANSWER)...It would not occur in a deferred annuity
Which of the following hospice expenses would not be covered in a cost-
containment setting? - ..(ANSWER)...Antibiotics
Based on Human Life Value Approach, which of the following is not used to
calculate an individual's value of life? - ..(ANSWER)...Predicted needs of the family
after the insured's death
What is the major difference between a stock company and mutual company -
..(ANSWER)...Ownership
Which of the following provisions in annuity contracts allow the owner to te
surrender the annuity if interests rates drop to a specified level. -
..(ANSWER)...Bail-out
