CA PSI-LIFE, ACCIDENT, AND HEALTH
OR SICKNESS PRACTICE EXAM
2025/2026 EXAM QUESTIONS AND
ANSWERS | 100% PASS
True of a Point of Service Plan - 🧠 ANSWER ✔✔Patient's care coordinated by in-
network primary care physician
What always remains constant in a Level Term Life Policy? - 🧠 ANSWER
✔✔Death benefit
Insurance contract part with promise to pay losses covered by policy - 🧠 ANSWER
✔✔Insuring clause
Home Healthcare Benefit: Eligible expenses EXCEPT - 🧠 ANSWER ✔✔Blood
transfusions
Noncontributory Plans: Percentage of eligible members must participate - 🧠
ANSWER ✔✔1
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435.
TERMS OF USE. PRIVACY STATEMENT. ALL RIGHTS RESERVED 1
, How are issues of ambiguity resolved in insurance contracts? - 🧠 ANSWER ✔✔In
favor of insured as contracts of adhesion
Why is Accidental Death Benefit called Double Indemnity? - 🧠 ANSWER
✔✔Provides twice face value for accident death
Rider reimbursing health and social service expenses in nursing home - 🧠
ANSWER ✔✔Long Term Care Rider
Life and Health Insurance Contracts: Contain all EXCEPT - 🧠 ANSWER
✔✔Representations
Requirements for Social Security Disability Benefits - 🧠 ANSWER ✔✔Unable to
work in trained or educated occupation
Order of Beneficiaries Proceeds from Life Insurance Policy - 🧠 ANSWER
✔✔Succession of Beneficiaries
Tax-Deductible Premiums for Group Disability Insurance - 🧠 ANSWER
✔✔Premiums paid by company as business expense
Annuity Settlement Option: Monthly Amount to Annuitant - 🧠 ANSWER ✔✔Joint
and Survivorship Option
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435.
TERMS OF USE. PRIVACY STATEMENT. ALL RIGHTS RESERVED 2
OR SICKNESS PRACTICE EXAM
2025/2026 EXAM QUESTIONS AND
ANSWERS | 100% PASS
True of a Point of Service Plan - 🧠 ANSWER ✔✔Patient's care coordinated by in-
network primary care physician
What always remains constant in a Level Term Life Policy? - 🧠 ANSWER
✔✔Death benefit
Insurance contract part with promise to pay losses covered by policy - 🧠 ANSWER
✔✔Insuring clause
Home Healthcare Benefit: Eligible expenses EXCEPT - 🧠 ANSWER ✔✔Blood
transfusions
Noncontributory Plans: Percentage of eligible members must participate - 🧠
ANSWER ✔✔1
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435.
TERMS OF USE. PRIVACY STATEMENT. ALL RIGHTS RESERVED 1
, How are issues of ambiguity resolved in insurance contracts? - 🧠 ANSWER ✔✔In
favor of insured as contracts of adhesion
Why is Accidental Death Benefit called Double Indemnity? - 🧠 ANSWER
✔✔Provides twice face value for accident death
Rider reimbursing health and social service expenses in nursing home - 🧠
ANSWER ✔✔Long Term Care Rider
Life and Health Insurance Contracts: Contain all EXCEPT - 🧠 ANSWER
✔✔Representations
Requirements for Social Security Disability Benefits - 🧠 ANSWER ✔✔Unable to
work in trained or educated occupation
Order of Beneficiaries Proceeds from Life Insurance Policy - 🧠 ANSWER
✔✔Succession of Beneficiaries
Tax-Deductible Premiums for Group Disability Insurance - 🧠 ANSWER
✔✔Premiums paid by company as business expense
Annuity Settlement Option: Monthly Amount to Annuitant - 🧠 ANSWER ✔✔Joint
and Survivorship Option
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435.
TERMS OF USE. PRIVACY STATEMENT. ALL RIGHTS RESERVED 2
