Exam Fx Ca life and Health EXAM 2025/2026 Actual Complete
Real Exam Questions and Correct Answers (A+ Verified
Solution guide) Graded A+ /2025 Brand New !!
Insured can change the ___________anytime if the __________
designation is
revokable. - ANSWER-
Beneficiary
Automatic premium loan - ANSWER-Is a rider than can be
added to a cash value life insurance policy in case insured
forgets to pay the premium. Takes effect after the grace period.
Insured would name a contingent beneficiary to ensure where
policy proceeds
will go if the - ANSWER-Primary beneficiary dies prior
to the insured
Common disaster clause applies when both the insured and
primary beneficiary dies in same accident. It states that the
_____________ dies first to protect the interest of the
contingent beneficiary - ANSWER-Primary beneficiary
,spendthrift clause protects the policy proceeds from the
creditors of the -
ANSWER-
Beneficiary.
Spendthrift clause does not apply if you pay in ... - ANSWER-
Lump sum
Group contract - ANSWER-Is between the insurer and employer
Amount of social security disability benefits is based
upon workers ... -
ANSWER-Primary Insurance
amount ( PIA)
Benefits are not retroactive to the - ANSWER-beginning of
disability
Contributions to social security are _______ for most
workers - ANSWER-
compulsory
,Under part _ of Medicare it is the provider who submits the
claim - ANSWER-A
Medicare part _ provides coverage for hospital services and
is free to those
eligible once they turn 65 -
ANSWER-A
Medicare part _ is optional and if eligible individual enrolls a
monthly premium
must be paid for the coverage for doctor services -
ANSWER-B
Coverage provided by Medicare part _ : medical insurance
deductibles coinsurance physicians services second opinion
before surgery hospital outpatient mental illness diagnosis
testing X-rays on outpatient basis -
ANSWER-B
Medicare part B is only for individuals - ANSWER-65+
Insurers MAY offer ______ insurance plans that contain only
core benefits -
ANSWER-Medicare
supplements
, Medicare part _ does NOT cover perscription drugs - ANSWER-
C
Medicare part _ does cover prescription meds - ANSWER-D
Medicare will send out a __________________________each
quarter which details the devices that were provided under
part A & B, if they were covered
and how much covered for - ANSWER-Medicare
summary notice (aka
explanation of Medicare
benefits )
Not a bill. Money due will be billed directly to provider who
performs services -
ANSWER-Medicare summary
notice
agents who sell _________ are required to complete long-term
care specific continuing education within core requirement, not
in addition - ANSWER-long term care
Skilled nursing care,intermediate nursing care,custodial care,
home health care,
Real Exam Questions and Correct Answers (A+ Verified
Solution guide) Graded A+ /2025 Brand New !!
Insured can change the ___________anytime if the __________
designation is
revokable. - ANSWER-
Beneficiary
Automatic premium loan - ANSWER-Is a rider than can be
added to a cash value life insurance policy in case insured
forgets to pay the premium. Takes effect after the grace period.
Insured would name a contingent beneficiary to ensure where
policy proceeds
will go if the - ANSWER-Primary beneficiary dies prior
to the insured
Common disaster clause applies when both the insured and
primary beneficiary dies in same accident. It states that the
_____________ dies first to protect the interest of the
contingent beneficiary - ANSWER-Primary beneficiary
,spendthrift clause protects the policy proceeds from the
creditors of the -
ANSWER-
Beneficiary.
Spendthrift clause does not apply if you pay in ... - ANSWER-
Lump sum
Group contract - ANSWER-Is between the insurer and employer
Amount of social security disability benefits is based
upon workers ... -
ANSWER-Primary Insurance
amount ( PIA)
Benefits are not retroactive to the - ANSWER-beginning of
disability
Contributions to social security are _______ for most
workers - ANSWER-
compulsory
,Under part _ of Medicare it is the provider who submits the
claim - ANSWER-A
Medicare part _ provides coverage for hospital services and
is free to those
eligible once they turn 65 -
ANSWER-A
Medicare part _ is optional and if eligible individual enrolls a
monthly premium
must be paid for the coverage for doctor services -
ANSWER-B
Coverage provided by Medicare part _ : medical insurance
deductibles coinsurance physicians services second opinion
before surgery hospital outpatient mental illness diagnosis
testing X-rays on outpatient basis -
ANSWER-B
Medicare part B is only for individuals - ANSWER-65+
Insurers MAY offer ______ insurance plans that contain only
core benefits -
ANSWER-Medicare
supplements
, Medicare part _ does NOT cover perscription drugs - ANSWER-
C
Medicare part _ does cover prescription meds - ANSWER-D
Medicare will send out a __________________________each
quarter which details the devices that were provided under
part A & B, if they were covered
and how much covered for - ANSWER-Medicare
summary notice (aka
explanation of Medicare
benefits )
Not a bill. Money due will be billed directly to provider who
performs services -
ANSWER-Medicare summary
notice
agents who sell _________ are required to complete long-term
care specific continuing education within core requirement, not
in addition - ANSWER-long term care
Skilled nursing care,intermediate nursing care,custodial care,
home health care,
