WF
,G License Practice Exam 2025/2026 | 100+ Reali
stic Questions with Verified
Accelerated benefits
If the insured has a terminal illness, which provision would allow him or her to access a portion
of the policy death
benefit prior to death?
Driving
All of the following are classified as life activities by the ADA (Americans with Disabilities Act)
EXCEPT:
A misdemeanor
An insurer selling without a license would be guilty of which of the following?
100%
The enrollee pays what percentage of the premium for Medicare Part B?
Captive insurer
An insurer created to cover a parent company's loss exposures and owned by the parent
company is a:
Termination of a key employee
An organization will be ineligible to hold a license for all of the following reasons EXCEPT:
Quickly sending a premium to the home office on behalf of the insured
Agents should act in a fiduciary duty on their client's behalf. Which of the following best
describes this duty?
Revocable beneficiary
A beneficiary which can be changed by the insured without his or her consent is a:
Insurers can offer policies that include only the core benefits
In regards to Medicare Supplements, which of the following is true?
Immunization agents
Prescription drug plans generally cover all of the following EXCEPT
, KAS and Associates underwriting for RWS Insurance Corporation
KAS and Associates is an agency which represents RWS Insurance Corporation. KAS and
Associates may leave the
name KAS Insurance Corporation in its advertisements by clearly stating the relationship
between the two businesses in
any of the following ways EXCEPT:
After the deductible, the insurer and insured will share the remainder of the loss on a fixed
percentage
basis
A co-insurance clause in a health insurance policy requires which of the following?
The license has been renewed and all appointments have been terminated
An agent's license is considered to be inactive in which of the following situations?
Nationality
An insurer can legally use all of following factors when determining a rate EXCEPT:
Whole life
Which of the following is a form of ordinary life insurance?
The chance of loss is unknown
Loss retention is a risk management technique that is effective when all the following exist
EXCEPT:
Interest
In which of the following settlement options will the insurer only pay the death benefit earnings
to the beneficiary?
Policies which are non-par pay large dividends
All of the following are true in regards to dividends EXCEPT:
False
The additional premium charged to pay for the accidental death benefit rider increases the cash
value of the policy.
Domestic insurer
An insurer organized under the laws of California is a:
,G License Practice Exam 2025/2026 | 100+ Reali
stic Questions with Verified
Accelerated benefits
If the insured has a terminal illness, which provision would allow him or her to access a portion
of the policy death
benefit prior to death?
Driving
All of the following are classified as life activities by the ADA (Americans with Disabilities Act)
EXCEPT:
A misdemeanor
An insurer selling without a license would be guilty of which of the following?
100%
The enrollee pays what percentage of the premium for Medicare Part B?
Captive insurer
An insurer created to cover a parent company's loss exposures and owned by the parent
company is a:
Termination of a key employee
An organization will be ineligible to hold a license for all of the following reasons EXCEPT:
Quickly sending a premium to the home office on behalf of the insured
Agents should act in a fiduciary duty on their client's behalf. Which of the following best
describes this duty?
Revocable beneficiary
A beneficiary which can be changed by the insured without his or her consent is a:
Insurers can offer policies that include only the core benefits
In regards to Medicare Supplements, which of the following is true?
Immunization agents
Prescription drug plans generally cover all of the following EXCEPT
, KAS and Associates underwriting for RWS Insurance Corporation
KAS and Associates is an agency which represents RWS Insurance Corporation. KAS and
Associates may leave the
name KAS Insurance Corporation in its advertisements by clearly stating the relationship
between the two businesses in
any of the following ways EXCEPT:
After the deductible, the insurer and insured will share the remainder of the loss on a fixed
percentage
basis
A co-insurance clause in a health insurance policy requires which of the following?
The license has been renewed and all appointments have been terminated
An agent's license is considered to be inactive in which of the following situations?
Nationality
An insurer can legally use all of following factors when determining a rate EXCEPT:
Whole life
Which of the following is a form of ordinary life insurance?
The chance of loss is unknown
Loss retention is a risk management technique that is effective when all the following exist
EXCEPT:
Interest
In which of the following settlement options will the insurer only pay the death benefit earnings
to the beneficiary?
Policies which are non-par pay large dividends
All of the following are true in regards to dividends EXCEPT:
False
The additional premium charged to pay for the accidental death benefit rider increases the cash
value of the policy.
Domestic insurer
An insurer organized under the laws of California is a:
