PearsonVue Health Insurance Practice Exam
Questions And Answers
/.Medicare Part A covers which of the following expenses?
Hospital room and board
/.Which of the following reports may include information obtained by a telephone
call to the proposed insured?
Inspection report
/.An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
an Exclusionary/ Impairment rider
/.On June 1, S purchased a Major Medical policy and paid the initial premium to
Producer T. On July 1, Producer T received the policy from the insurance
company. The policy contained a Ten-Day Free Look provision. On July 3,
Producer T attempted to deliver the policy but found that S was not at home. On
July 5, Producer T was able to deliver the policy to S. On July 7, S decided he did
not want the policy. S had 10 days from which of the following dates to return the
policy to the company and obtain a full premium refund?
July 5
/.When delivering a policy to a client, a producer should take all of the following
actions EXCEPT:
keep the policy in the producer's office for safe-keeping on behalf of the client
, /.An applicant for insurance submits an application to an insurer for underwriting
but does not forward any premium payment with the application. Legally, the
applicant is making:
an inquiry for an offer
/.Which of the following definitions of disability would cover a permanent partial
disability?
Residual disability
/.The Elimination Period in most Disability Income policies applies:
to each separate disability
/.Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income policy?
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums
.
/.The Consideration clause in an accident and health policy states the:
the applicant pays the initial premium
/.All of the following elements are required of a contract EXCEPT:
Assignment
/.A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The underwriter
issues a policy and mails it to the producer for delivery to the applicant. The
producer should take all of the following actions during the delivery of the policy
to the applicant EXCEPT:
issue a conditional receipt
/.Under a group health plan, an employer may offer additional benefits to classes
of employees on the basis of all of the following factors EXCEPT:
Questions And Answers
/.Medicare Part A covers which of the following expenses?
Hospital room and board
/.Which of the following reports may include information obtained by a telephone
call to the proposed insured?
Inspection report
/.An individual who has had a heart murmur since birth is likely to be issued an
individual disability policy that includes:
an Exclusionary/ Impairment rider
/.On June 1, S purchased a Major Medical policy and paid the initial premium to
Producer T. On July 1, Producer T received the policy from the insurance
company. The policy contained a Ten-Day Free Look provision. On July 3,
Producer T attempted to deliver the policy but found that S was not at home. On
July 5, Producer T was able to deliver the policy to S. On July 7, S decided he did
not want the policy. S had 10 days from which of the following dates to return the
policy to the company and obtain a full premium refund?
July 5
/.When delivering a policy to a client, a producer should take all of the following
actions EXCEPT:
keep the policy in the producer's office for safe-keeping on behalf of the client
, /.An applicant for insurance submits an application to an insurer for underwriting
but does not forward any premium payment with the application. Legally, the
applicant is making:
an inquiry for an offer
/.Which of the following definitions of disability would cover a permanent partial
disability?
Residual disability
/.The Elimination Period in most Disability Income policies applies:
to each separate disability
/.Which of the following statements is CORRECT about a Waiver of Premium
provision in a Disability Income policy?
It allows the insured to maintain a policy in force while disabled and unable to pay
premiums
.
/.The Consideration clause in an accident and health policy states the:
the applicant pays the initial premium
/.All of the following elements are required of a contract EXCEPT:
Assignment
/.A producer and an applicant complete an application for a health policy and
submit it to the insurer for underwriting without any premium. The underwriter
issues a policy and mails it to the producer for delivery to the applicant. The
producer should take all of the following actions during the delivery of the policy
to the applicant EXCEPT:
issue a conditional receipt
/.Under a group health plan, an employer may offer additional benefits to classes
of employees on the basis of all of the following factors EXCEPT:
