Ohio Health and life insurance exam
2025-2026 with 100% correct
answer|Already GRADED A+
The type of policy where the insurer can send a notice to the insured that the policy has been cancelled
in the middle of the term is called - correct answer ✅✅cancelable
Krissa purchases a 10-year level term life insurance policy that has a death benefit of $200,000. Which of
these statements is true?
The policy automatically converts to whole life after the 10-year period - correct answer ✅✅The face
amount and premium will remain constant over the 10 year period
Which of the following provides Medicare supplement policies? - correct answer ✅✅Private insurance
companies
Under the Health Insurance Portability and Accountability Act (HIPAA), the employee's new Group
Health Plan will verify Creditable Coverage so that the - correct answer ✅✅employee's waiting period
for coverage of a preexisting condition can be reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage in a group health policy? - correct
answer ✅✅Temporary employee
Which of the following is a reinstatement condition? - correct answer ✅✅Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on the subject of ethics
every reporting period. - correct answer ✅✅3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio. In Ohio, Carole is
considered to be a - correct answer ✅✅nonresident agent
, Long- term care insurance applications must contain plain and unambiguous health questions. The
exception to this rule would be applications for - correct answer ✅✅guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the direct supervision of a
physician is called - correct answer ✅✅skilled nursing care
The entire contract includes the actual policy and the - correct answer ✅✅application
The branch of dentistry which deals with the replacement of missing parts is called - correct answer
✅✅Prosthodontics
An agent's license has been suspended for non-renewal. The agent my apply for reinstatement - correct
answer ✅✅within 12 months of the license renewal date
Which of the following is an annuity that is linked to a market-related index? - correct answer
✅✅Equity- indexed annuity
A closed network plan offers a a primary physician copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will likely pay - correct answer ✅✅100% of the billed
amount
An accident and health insurer has just received written proof of loss from one of its insureds. The
insured must now wait 60 days before - correct answer ✅✅bringing legal action against the insurer
An individual most likely will have an insurable interest in insuring a person's life if - correct answer
✅✅An economic interest exists for the continuance of the insured's life
According to the Health Insurance Portability and Accountability Act (HIPPA), when can a group health
policy renewal be denied? - correct answer ✅✅Participation or contribution rules have been violated
Medicaid is a government-funded program designed to provide health care to - correct answer
✅✅poor people
2025-2026 with 100% correct
answer|Already GRADED A+
The type of policy where the insurer can send a notice to the insured that the policy has been cancelled
in the middle of the term is called - correct answer ✅✅cancelable
Krissa purchases a 10-year level term life insurance policy that has a death benefit of $200,000. Which of
these statements is true?
The policy automatically converts to whole life after the 10-year period - correct answer ✅✅The face
amount and premium will remain constant over the 10 year period
Which of the following provides Medicare supplement policies? - correct answer ✅✅Private insurance
companies
Under the Health Insurance Portability and Accountability Act (HIPAA), the employee's new Group
Health Plan will verify Creditable Coverage so that the - correct answer ✅✅employee's waiting period
for coverage of a preexisting condition can be reduced under the new employer's health plan
Which of the following is typically NOT eligible for the coverage in a group health policy? - correct
answer ✅✅Temporary employee
Which of the following is a reinstatement condition? - correct answer ✅✅Proof of insurability
Ohio requires that a licensee complete ______ hours of continuing education on the subject of ethics
every reporting period. - correct answer ✅✅3
Carole is a licensed agent who lives in Michigan and transacts insurance in Ohio. In Ohio, Carole is
considered to be a - correct answer ✅✅nonresident agent
, Long- term care insurance applications must contain plain and unambiguous health questions. The
exception to this rule would be applications for - correct answer ✅✅guaranteed issue
Continuous 24- hour care provided by licensed medical professionals under the direct supervision of a
physician is called - correct answer ✅✅skilled nursing care
The entire contract includes the actual policy and the - correct answer ✅✅application
The branch of dentistry which deals with the replacement of missing parts is called - correct answer
✅✅Prosthodontics
An agent's license has been suspended for non-renewal. The agent my apply for reinstatement - correct
answer ✅✅within 12 months of the license renewal date
Which of the following is an annuity that is linked to a market-related index? - correct answer
✅✅Equity- indexed annuity
A closed network plan offers a a primary physician copay of $25. If a subscriber chooses a primary care
physician outside of the network, the subscriber will likely pay - correct answer ✅✅100% of the billed
amount
An accident and health insurer has just received written proof of loss from one of its insureds. The
insured must now wait 60 days before - correct answer ✅✅bringing legal action against the insurer
An individual most likely will have an insurable interest in insuring a person's life if - correct answer
✅✅An economic interest exists for the continuance of the insured's life
According to the Health Insurance Portability and Accountability Act (HIPPA), when can a group health
policy renewal be denied? - correct answer ✅✅Participation or contribution rules have been violated
Medicaid is a government-funded program designed to provide health care to - correct answer
✅✅poor people
