CONNECTICUT LIFE AND HEALTH LATEST UPDATED 2025/2026 EXAM WITH COMPLETE QUESTIONS AND SURE VERIFIED SOLUTIONS 100% GRADED AT A+ SCORE !!

CONNECTICUT LIFE AND HEALTH LATEST UPDATED 2025/2026 EXAM WITH COMPLETE QUESTIONS AND SURE VERIFIED SOLUTIONS 100% GRADED AT A+ SCORE !! 1. An agent's authority to bind an insurer to an insurance contract may be granted in the - ANSWER agent's contract and the insurance company's appointment 2. Non-occasional disability coverage is designed for - ANSWER Employees who suffer non-work related disabilities, since workrelated disability are covered by workers compensation 3. Home health care benefits typically do NOT include coverage for - ANSWER prescription medication 4. A guaranteed renewable provision allows - ANSWER premiums which can only be increased per rate class 5. Which of the following is NOT covered by a comprehensive longterm care policy? - ANSWER acute care 6. Which statement concerning an adjustable life insurance policy is false? - ANSWER Evidence of insurability is required when there is a change in premium 7. Which of the following is the best candidate for a temporary insurance license? - ANSWER The executor of the estate of a deceased licensed producer 8. Which of these statements regarding the extended term insurance nonforfeiture option in a life policy is accurate? - ANSWER The premium to purchase the coverage comes from the policy's cash value 9. Which of theses is not a standard provision in qualified long-term care policies sold in Connecticut? - ANSWER Prior hospitalization 10. A family counseling benefit is typically offered under which of these coverages? - ANSWER hospice care 11. An insured's statement of a policy's benefits which is to be used in marketing materials is called a - ANSWER Testimony 12. Tina is insured under a business overhead expense insurance policy. Which of the following would be covered if she were to become disabled? - ANSWER Business property rental expense 13. An annuitant is paid $495 per month until the contract value is exhausted at some undetermined date in the future. Which type of annuity payout option is this? - ANSWER Fixed amount 14. Which of the following is true regarding a person receiving a waiver of premium benefit? - ANSWER The insured must be disabled for a period of time 15. Elimination periods typically apply to - ANSWER Disability policies 16. What could be the potential result of taking out a cash value loan under a life insurance policy? - ANSWER Reduces the amount receivable upon surrender of the contract 17. Laura has an employer-based preventative health care plan that focuses on an enrollee's problems, such as drug abuse or stress. These plans are called - ANSWER wellness programs 18. How long do most states allow an insurance company to delay the payment of a cash surrender under the Delayed Payment provision? - ANSWER 6 months 19. Alan is an enrollee of a health maintenance organization (HMO) which uses a gatekeeper system. If there ever comes a time when he needs emergency health services, what should he do? A. Receive permission from the primary physician to begin treatment B. Call the HMO to verify coverage C. Proceed to the nearest emergency room D. Contact the HMO for a listing of approved providers - ANSWER C. Proceed to the nearest emergency room 20. During the application process, a statement made by an applicant that becomes part of the contract is considered to be a - ANSWER Warranty 21. The free look period provided in a life insurance policy is usually - ANSWER 10 days 22. Most prepaid dental plans cover - ANSWER Oral