Pennsylvania State Health and Life
Insurance Exam 2025/2026 Exam
Questions and Answers | 100% Solved
Plan A - 🧠ANSWER ✔✔Which of the following must be present in all medicare
supplement plans?
National Do not call registry - 🧠ANSWER ✔✔What was created to keep
telemarketers from calling consumers who do not wish to be contacted?
Indemnity - 🧠ANSWER ✔✔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?
Calls based from outside the United States - 🧠ANSWER ✔✔Which of the
following would not be considered an expectation to the national do not call list?
A mutual insurer - 🧠ANSWER ✔✔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
,Iron - 🧠ANSWER ✔✔Which of the following is not a metal level of coverage
offered under the patient protection and affordable care act?
Prior to the time of application - 🧠ANSWER ✔✔A long-term care shoppers guide
must be presented at what point
Medicare - 🧠ANSWER ✔✔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?
Be responsible for at least 25% of total commissions collected by the office that he
or she manages - 🧠ANSWER ✔✔A person applying for a manager or exclusive
general agent license must meet all of the following criteria EXCEPT
Sickness - 🧠ANSWER ✔✔Which of the following is an example of a peril covered
in an accident and health insurance policy?
Extended Term - 🧠ANSWER ✔✔Which nonforfeiture option has the highest
amount of insurance protection?
Sudden and Unforeseen - 🧠ANSWER ✔✔A person steps off a streetcar and trips
and breaks his ankle. This type of injury can be described as
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
2
STATEMENT. ALL RIGHTS RESERVED
, Separate Accounts - 🧠ANSWER ✔✔A domestic insurer issuing variable contracts
must establish one or more
Issuing sales material that are exaggerated - 🧠ANSWER ✔✔Which of the
following best describes a misrepresentations?
Making derogatory oral statements about another's financial conditions -
🧠ANSWER ✔✔Which of the following best describes the unfair trade practice of
defamation?
Control Specialists costs - 🧠ANSWER ✔✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - 🧠ANSWER ✔✔Which of the following
is not true regarding the accumulation period of an annuity
Antibiotics - 🧠ANSWER ✔✔Which of the following hospice expenses would not
be covered in a cost-containment setting?
Predicted needs of the family after the insured's death - 🧠ANSWER ✔✔Based on
Human Life Value Approach, which of the following is not used to calculate an
individual's value of life?
Ownership - 🧠ANSWER ✔✔What is the major difference between a stock
company and mutual company
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
3
STATEMENT. ALL RIGHTS RESERVED
Insurance Exam 2025/2026 Exam
Questions and Answers | 100% Solved
Plan A - 🧠ANSWER ✔✔Which of the following must be present in all medicare
supplement plans?
National Do not call registry - 🧠ANSWER ✔✔What was created to keep
telemarketers from calling consumers who do not wish to be contacted?
Indemnity - 🧠ANSWER ✔✔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?
Calls based from outside the United States - 🧠ANSWER ✔✔Which of the
following would not be considered an expectation to the national do not call list?
A mutual insurer - 🧠ANSWER ✔✔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
,Iron - 🧠ANSWER ✔✔Which of the following is not a metal level of coverage
offered under the patient protection and affordable care act?
Prior to the time of application - 🧠ANSWER ✔✔A long-term care shoppers guide
must be presented at what point
Medicare - 🧠ANSWER ✔✔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?
Be responsible for at least 25% of total commissions collected by the office that he
or she manages - 🧠ANSWER ✔✔A person applying for a manager or exclusive
general agent license must meet all of the following criteria EXCEPT
Sickness - 🧠ANSWER ✔✔Which of the following is an example of a peril covered
in an accident and health insurance policy?
Extended Term - 🧠ANSWER ✔✔Which nonforfeiture option has the highest
amount of insurance protection?
Sudden and Unforeseen - 🧠ANSWER ✔✔A person steps off a streetcar and trips
and breaks his ankle. This type of injury can be described as
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
2
STATEMENT. ALL RIGHTS RESERVED
, Separate Accounts - 🧠ANSWER ✔✔A domestic insurer issuing variable contracts
must establish one or more
Issuing sales material that are exaggerated - 🧠ANSWER ✔✔Which of the
following best describes a misrepresentations?
Making derogatory oral statements about another's financial conditions -
🧠ANSWER ✔✔Which of the following best describes the unfair trade practice of
defamation?
Control Specialists costs - 🧠ANSWER ✔✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - 🧠ANSWER ✔✔Which of the following
is not true regarding the accumulation period of an annuity
Antibiotics - 🧠ANSWER ✔✔Which of the following hospice expenses would not
be covered in a cost-containment setting?
Predicted needs of the family after the insured's death - 🧠ANSWER ✔✔Based on
Human Life Value Approach, which of the following is not used to calculate an
individual's value of life?
Ownership - 🧠ANSWER ✔✔What is the major difference between a stock
company and mutual company
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
3
STATEMENT. ALL RIGHTS RESERVED
