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PSI LIFE, ACCIDENT, HEALTH PRACTICE
EXAM 2025 UPDATED ACTUAL EXAM
WITH CORRECT SOLUTIONS.
Which is an ACCURATE statement regarding benefits of
Medicare supplement and Medicare select plans?
1
The insurer is able to cancel, or deny renewal of an existing
policy, based solely on the health of the insured.
2
There is no restriction for benefits after the coverage has been
in effect for six months when involving a preexisting condition.
3
The coverage for a loss from an illness or disease is treated
differently than for a loss resulting from an injury due to an
accident.
4
The coverage for a spouse cannot be terminated for any
reason, including for nonpayment of premiums. - correct
answer- 2
There is no restriction for benefits after the coverage has been
in effect for six months when involving a preexisting condition.
How is the insurance commissioner chosen?
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1
Elected by the people.
2
Appointed by the Governor
3
Selected by a vote in the House and the Senate.
4
Randomly selected from a list of qualified candidates. - correct
answer- 1
Elected by the people.
An insurance agent is a person who transacts all of the
following types of insurance EXCEPT:
1
annuities.
2
homeowners.
3
auto insurance.
4
life insurance. - correct answer- 4
life insurance.
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The California Legislature declared all of the following when
creating the Healthy Families Program EXCEPT:
1
that most uninsured children come from low-income families.
2
lack of educational resources for children and their parents
leads to increased medical expenses.
3
that lack of insurance coverage for children results in reduced
access to medical services.
4
when a child is seriously ill or injured, the costs of needed
medical care can force families into financial ruin. - correct
answer- 2
lack of educational resources for children and their parents
leads to increased medical expenses.
Which of the following BEST defines the general concept of the
24-hour care plan?
1
It integrates workers compensation medical care with the care
provided by group health insurance.
2
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It provides immediate medical care from any source for injuries
on which occur on the job.
3
It permits non job related injuries to be treated through the
worker?s compensation program.
4
It pays any medical bill from a job related injury for services
within the first 24 hours of the injury. - correct answer- 1
It integrates workers compensation medical care with the care
provided by group health insurance.
How does an "admitted" person differ from an "nonadmitted"
person, as it pertains to insurance?
1
An "admitted" person has admitted to a crime or fraud, while a
"nonadmitted" person has not.
2
An "admitted" person has been granted admission to an
insurance association, while a "nonadmitted" person has not
been accepted.
3
An "admitted" person has been admitted to an accreditation
program, while a "nonadmitted" person has yet to earn the
credits.
4
PSI LIFE, ACCIDENT, HEALTH PRACTICE
EXAM 2025 UPDATED ACTUAL EXAM
WITH CORRECT SOLUTIONS.
Which is an ACCURATE statement regarding benefits of
Medicare supplement and Medicare select plans?
1
The insurer is able to cancel, or deny renewal of an existing
policy, based solely on the health of the insured.
2
There is no restriction for benefits after the coverage has been
in effect for six months when involving a preexisting condition.
3
The coverage for a loss from an illness or disease is treated
differently than for a loss resulting from an injury due to an
accident.
4
The coverage for a spouse cannot be terminated for any
reason, including for nonpayment of premiums. - correct
answer- 2
There is no restriction for benefits after the coverage has been
in effect for six months when involving a preexisting condition.
How is the insurance commissioner chosen?
,2 | Page
1
Elected by the people.
2
Appointed by the Governor
3
Selected by a vote in the House and the Senate.
4
Randomly selected from a list of qualified candidates. - correct
answer- 1
Elected by the people.
An insurance agent is a person who transacts all of the
following types of insurance EXCEPT:
1
annuities.
2
homeowners.
3
auto insurance.
4
life insurance. - correct answer- 4
life insurance.
,3 | Page
The California Legislature declared all of the following when
creating the Healthy Families Program EXCEPT:
1
that most uninsured children come from low-income families.
2
lack of educational resources for children and their parents
leads to increased medical expenses.
3
that lack of insurance coverage for children results in reduced
access to medical services.
4
when a child is seriously ill or injured, the costs of needed
medical care can force families into financial ruin. - correct
answer- 2
lack of educational resources for children and their parents
leads to increased medical expenses.
Which of the following BEST defines the general concept of the
24-hour care plan?
1
It integrates workers compensation medical care with the care
provided by group health insurance.
2
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It provides immediate medical care from any source for injuries
on which occur on the job.
3
It permits non job related injuries to be treated through the
worker?s compensation program.
4
It pays any medical bill from a job related injury for services
within the first 24 hours of the injury. - correct answer- 1
It integrates workers compensation medical care with the care
provided by group health insurance.
How does an "admitted" person differ from an "nonadmitted"
person, as it pertains to insurance?
1
An "admitted" person has admitted to a crime or fraud, while a
"nonadmitted" person has not.
2
An "admitted" person has been granted admission to an
insurance association, while a "nonadmitted" person has not
been accepted.
3
An "admitted" person has been admitted to an accreditation
program, while a "nonadmitted" person has yet to earn the
credits.
4
