WASHINGTON LIFE AND HEALTH
(DISABILITY) EXAM 2025 QUESTIONS
AND ANSWERS
An insurer authorized to do business within this state is considered what type of insurer?
a
alien
b
domestic
c
foreign
d
admitted - ans d-admitted
an insurer authorized to do business in this state is referred to as admitted, and could be either
domestic, foreign, or alien domiciled.
a long-term care policy can exclude from coverage all of the following, except:
1
hospitalization (acute care)
PAGE
@COPYRIGHT BRAINBARTER 2025/2026
, b
intentionally self-inflicted injuries
c
rest cures
d
alzheimer's disease - ans d- alzheimer's disease
alzheimer's disease cannot be excluded from long-term care coverage.
which is not correct concerning a blue cross and blue shield plan?
a
in most states, they are considered not-for-profit organizations
b
benefits are paid directly to the insured individual
c
they are fee for service plans
d
they offer both individual and group coverage - ans b-benefits are paid directly to the
insured individual
as both blue cross and blue shield plans are fee for service programs, they pay the service
provider, not the covered individual (i.e. subscriber). they are typically not-for-profit and
provide both group and individual coverage.
universal life and variable universal life share all of the following characteristics, except:
2
PAGE
a
@COPYRIGHT BRAINBARTER 2025/2026
, policy loans, surrenders, and partial withdrawals are permitted
b
flexible premiums
c
adjustable death benefit options
d
the investment risk - ans b- flexible premiums
but like variable life, a vul has a separate account that is maintained and the investment return
fluctuates based on the performance of the separate account. since there is no guaranteed
return on the separate account, the owner bears all investment risk.
all of the following are life insurance disability riders, except:
a
disability income benefit
b
payor benefit
c
waiver of premium
d
jumping juvenile - ans d- jumping juvenile
a payor benefit can be added to a jumping juvenile policy.
each major line of insurance requires at least _____ credit hours of prelicensure instruction.
a
3
PAGE
12
@COPYRIGHT BRAINBARTER 2025/2026
, b
20
c
16
d
18 - ans b- 20
each major line of insurance requires at least 20 credit hours of prelicensure instruction and the
license examination must be taken within 12 months of completion.
fred owns a 40-pay life policy. he designated his wife, ethel, as primary beneficiary. upon fred's
death, ethel receives a set amount for life. fred chose which settlement option?
a
extended term
b
fixed period
c
life income only
d
joint life - ans c- life income only
life income only guarantees payment for the lifetime of the recipient. extended term is a
nonforfeiture option.
the insurance industry is primarily regulated at the _________ level.
a
4
PAGE
state
@COPYRIGHT BRAINBARTER 2025/2026
(DISABILITY) EXAM 2025 QUESTIONS
AND ANSWERS
An insurer authorized to do business within this state is considered what type of insurer?
a
alien
b
domestic
c
foreign
d
admitted - ans d-admitted
an insurer authorized to do business in this state is referred to as admitted, and could be either
domestic, foreign, or alien domiciled.
a long-term care policy can exclude from coverage all of the following, except:
1
hospitalization (acute care)
PAGE
@COPYRIGHT BRAINBARTER 2025/2026
, b
intentionally self-inflicted injuries
c
rest cures
d
alzheimer's disease - ans d- alzheimer's disease
alzheimer's disease cannot be excluded from long-term care coverage.
which is not correct concerning a blue cross and blue shield plan?
a
in most states, they are considered not-for-profit organizations
b
benefits are paid directly to the insured individual
c
they are fee for service plans
d
they offer both individual and group coverage - ans b-benefits are paid directly to the
insured individual
as both blue cross and blue shield plans are fee for service programs, they pay the service
provider, not the covered individual (i.e. subscriber). they are typically not-for-profit and
provide both group and individual coverage.
universal life and variable universal life share all of the following characteristics, except:
2
PAGE
a
@COPYRIGHT BRAINBARTER 2025/2026
, policy loans, surrenders, and partial withdrawals are permitted
b
flexible premiums
c
adjustable death benefit options
d
the investment risk - ans b- flexible premiums
but like variable life, a vul has a separate account that is maintained and the investment return
fluctuates based on the performance of the separate account. since there is no guaranteed
return on the separate account, the owner bears all investment risk.
all of the following are life insurance disability riders, except:
a
disability income benefit
b
payor benefit
c
waiver of premium
d
jumping juvenile - ans d- jumping juvenile
a payor benefit can be added to a jumping juvenile policy.
each major line of insurance requires at least _____ credit hours of prelicensure instruction.
a
3
PAGE
12
@COPYRIGHT BRAINBARTER 2025/2026
, b
20
c
16
d
18 - ans b- 20
each major line of insurance requires at least 20 credit hours of prelicensure instruction and the
license examination must be taken within 12 months of completion.
fred owns a 40-pay life policy. he designated his wife, ethel, as primary beneficiary. upon fred's
death, ethel receives a set amount for life. fred chose which settlement option?
a
extended term
b
fixed period
c
life income only
d
joint life - ans c- life income only
life income only guarantees payment for the lifetime of the recipient. extended term is a
nonforfeiture option.
the insurance industry is primarily regulated at the _________ level.
a
4
PAGE
state
@COPYRIGHT BRAINBARTER 2025/2026
