1
ACCIDENT AND HEALTH INSURANCE AGENT/BROKER
PRACTICE ACTUAL EXAM NEWSET VERSION -2025/2026-
QUESTIONS AND VERIFIED ANSWERS (100% SUCCEESS)
Martin and his friends were at a local tavern celebrating his birthday. Martin left
the bar to drive home, but unfortunately, he was involved in a fatal accident,
killing himself and two other individuals. An autopsy reveals that Martin was well
above the legal limit on his blood alcohol test. Martin's family will receive the
following from his Accidental Death and Dismemberment policy:
1.His family will receive reduced benefits since other deaths were involved.
2.His family will receive the principal sum since this was death
3.His family will receive no benefits, since he was in the act of committing a felony
4.His family will receive no benefits since there was no dismemberment involved.
His family will receive no benefits, since he was in the act of committing a felony
Under Medicare Part A, a spell of illness begins again and is subject to a new
deductible for another admission when:
1.The patient has been discharged from a prior stay and 45 days have elapsed
2.The patient has been discharged from a prior stay and 30 days have elapsed
3.The patient has been discharged from a prior stay and 60 days have elapsed
4.The patient has been discharged from a prior stay and 90 days have elapsed
The patient has been discharged from a prior stay and 60 days have elapsed
, 2
What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
3.Self insurers.
4.Assessment insurers.
Self insurers.
A variety of types of care are provided under a long-term care policy. All of the
following are types of care generally provided EXCEPT:
1.Home health care
2.Intensive care
3.Custodial care
4.Skilled care
Intensive care
Melvin has a long-term care policy with a 30-day elimination period. The policy
has a daily benefit of $100/day. The policy has a 3-year benefit period. If Melvin is
confined to a nursing home for 9 months, how much in benefits will his policy
pay?
1.$27,000
, 3
2.$18,000
3.$24,000
4.$17,000
$24,000
An exclusion that always appears in a health policy is:
1.No coverage for drug or alcohol related illness
2.Hernia from an accident
3.Travel outside of the USA
4.Injury in the act of committing a felony
Injury in the act of committing a felony
Bruce owns a plan that pays $100 daily benefit for a hospital stay with no
deductible. This kind of policy is known as a (an):
1.Major medical plan
2.Basic plan
3.Indemnity plan
4.Reimbursement plan
Indemnity plan
, 4
Under what conditions is the death benefit (principal sum) payable under an
Accidental Death and Dismemberment (AD&D) policy?
1.The insured dies from a grave illness
2.The insured dies from natural causes
3.The insured dies from an accident
4.All of the above
The insured dies from an accident
An insurance agent told a member of his church who had recently experienced
several personal and financial losses that he could see that she got a more
favorable rate on her insurance policies than her health and general
circumstances would warrant. The woman had been his kindergarten teacher and
was a pillar in the community's life. He wanted to help her. Which of the following
is FALSE?
1.The agent was breaking the law.
2.The agent is compassionate.
3.The agent was engaging in unfair discrimination.
4.The agent was engaging in twisting.
The agent was engaging in twisting.
ACCIDENT AND HEALTH INSURANCE AGENT/BROKER
PRACTICE ACTUAL EXAM NEWSET VERSION -2025/2026-
QUESTIONS AND VERIFIED ANSWERS (100% SUCCEESS)
Martin and his friends were at a local tavern celebrating his birthday. Martin left
the bar to drive home, but unfortunately, he was involved in a fatal accident,
killing himself and two other individuals. An autopsy reveals that Martin was well
above the legal limit on his blood alcohol test. Martin's family will receive the
following from his Accidental Death and Dismemberment policy:
1.His family will receive reduced benefits since other deaths were involved.
2.His family will receive the principal sum since this was death
3.His family will receive no benefits, since he was in the act of committing a felony
4.His family will receive no benefits since there was no dismemberment involved.
His family will receive no benefits, since he was in the act of committing a felony
Under Medicare Part A, a spell of illness begins again and is subject to a new
deductible for another admission when:
1.The patient has been discharged from a prior stay and 45 days have elapsed
2.The patient has been discharged from a prior stay and 30 days have elapsed
3.The patient has been discharged from a prior stay and 60 days have elapsed
4.The patient has been discharged from a prior stay and 90 days have elapsed
The patient has been discharged from a prior stay and 60 days have elapsed
, 2
What type of insurer retains risk?
1.Government insurance.
2.Reinsurers.
3.Self insurers.
4.Assessment insurers.
Self insurers.
A variety of types of care are provided under a long-term care policy. All of the
following are types of care generally provided EXCEPT:
1.Home health care
2.Intensive care
3.Custodial care
4.Skilled care
Intensive care
Melvin has a long-term care policy with a 30-day elimination period. The policy
has a daily benefit of $100/day. The policy has a 3-year benefit period. If Melvin is
confined to a nursing home for 9 months, how much in benefits will his policy
pay?
1.$27,000
, 3
2.$18,000
3.$24,000
4.$17,000
$24,000
An exclusion that always appears in a health policy is:
1.No coverage for drug or alcohol related illness
2.Hernia from an accident
3.Travel outside of the USA
4.Injury in the act of committing a felony
Injury in the act of committing a felony
Bruce owns a plan that pays $100 daily benefit for a hospital stay with no
deductible. This kind of policy is known as a (an):
1.Major medical plan
2.Basic plan
3.Indemnity plan
4.Reimbursement plan
Indemnity plan
, 4
Under what conditions is the death benefit (principal sum) payable under an
Accidental Death and Dismemberment (AD&D) policy?
1.The insured dies from a grave illness
2.The insured dies from natural causes
3.The insured dies from an accident
4.All of the above
The insured dies from an accident
An insurance agent told a member of his church who had recently experienced
several personal and financial losses that he could see that she got a more
favorable rate on her insurance policies than her health and general
circumstances would warrant. The woman had been his kindergarten teacher and
was a pillar in the community's life. He wanted to help her. Which of the following
is FALSE?
1.The agent was breaking the law.
2.The agent is compassionate.
3.The agent was engaging in unfair discrimination.
4.The agent was engaging in twisting.
The agent was engaging in twisting.
