PEARSON VUE NATIONAL HEALTH
INSURANCE PRACTICE TEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND
CORRECT DETAILED ANSWERS FROM A
VERIFIED SOURCE |BRAND NEW
VERSION 2025/2026
An insurer must provide claim forms to an insured within a MAXIMUM of
how many days after receiving notice of an Accident & Health claim?
A. Five
B. Fifteen
,C. Twenty
D. Thirty - CORRECT ANSWER-b
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:
A. length of employment
B. gender
C. salary grade
D. job category - CORRECT ANSWER-b
,Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's
benefit payments.
B. It allows the insurer to increase the amount of premium during the
insured's time of disability.
C. It allows the insured to extend the length of the Grace Period while
disabled.
D. It allows the insured to maintain a policy in force while disabled and
unable to pay premiums. - CORRECT ANSWER-d
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
, A. Extensions of coverage
B. Benefits clause
C. Riders
D. Exclusions - CORRECT ANSWER-d
An insured becomes disabled three years after his Disability Income policy
is issued. The disability is caused by a condition that existed prior to the
policy issue date but was not specifically excluded from coverage. In this
situation, the insurer will most likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
INSURANCE PRACTICE TEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND
CORRECT DETAILED ANSWERS FROM A
VERIFIED SOURCE |BRAND NEW
VERSION 2025/2026
An insurer must provide claim forms to an insured within a MAXIMUM of
how many days after receiving notice of an Accident & Health claim?
A. Five
B. Fifteen
,C. Twenty
D. Thirty - CORRECT ANSWER-b
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:
A. length of employment
B. gender
C. salary grade
D. job category - CORRECT ANSWER-b
,Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy?
A. It allows the insurer to deduct premiums due from the disabled insured's
benefit payments.
B. It allows the insurer to increase the amount of premium during the
insured's time of disability.
C. It allows the insured to extend the length of the Grace Period while
disabled.
D. It allows the insured to maintain a policy in force while disabled and
unable to pay premiums. - CORRECT ANSWER-d
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
, A. Extensions of coverage
B. Benefits clause
C. Riders
D. Exclusions - CORRECT ANSWER-d
An insured becomes disabled three years after his Disability Income policy
is issued. The disability is caused by a condition that existed prior to the
policy issue date but was not specifically excluded from coverage. In this
situation, the insurer will most likely take which of the following actions?
A. Pay the full claim
B. Pay the claim for a maximum of six months only
C. Deny the claim on the basis of misrepresentation
