1|Page
2025/2026 PEARSON VUE NATIONAL HEALTH
INSURANCE EXAM WITH ALL COMPLETE
QUESTIONS AND DETAILED CORRECT ANSWERS
(EXPERT VERIFIED) FOR GUARANTEED PASS TOP-
RATED A+.
PEARSON VUE
Ace your Pearson VUE National Health Insurance Exam with this
comprehensive resource. The material includes up-to-date questions
covering policy provisions, underwriting, and ethics aligned with
Pearson VUE standards. Ideal for individuals preparing for state health
insurance licensing tests.
P wants to name her husband as the beneficiary of her life
policy. However, she wishes to retain all of the rights of
ownership. P should have her husband named as the:
A.irrevocable beneficiary
B.revocable beneficiary
C.secondary beneficiary ...... ANSWER ....... B
A contract that has as its basic function the systematic
liquidation of accumulated assets through periodic payments
is called an:
,2|Page
A.indemnity contract
B.investment contract
C.endowment
D.annuity ...... ANSWER ....... D
An insurance producer takes an application for a life
insurance policy but does not collect the initial premium. On
delivery of the policy to the proposed insured, the producer
must collect the initial premium and which of the following?
A.A copy of the MIB report
B.The insured's signed statement of continued good health
C.A copy of the conditional receipt
,3|Page
D.A copy of the temporary insurance agreement that covered
the period between the application date and the delivery date.
...... ANSWER ....... B
An employer can deduct premium payments as an ordinary
business expense for which of the following life coverages?
A.Buy and Sell Agreements
B.Group
C.Key Employee
D.Joint Life, if the business is named as the beneficiary
...... ANSWER ....... B
A producer takes applications from identical twins who want
to buy the same type of policy in the same amount. The
insurer issues the policies as applied for, but charges a 25
percent higher premium for one of the policies. The
difference in premiums is probably due to which of the
following factors?
A.Incontestability
B.Insurable interest
C.Consideration
, 4|Page
D.Risk classification ...... ANSWER ....... D
In the event of an insured's death, which of the following
provides an income for the family during a designated period
of time followed by a lump sum death benefit?
A.Family Income rider
B.Survivorship Life policy
C.Joint Life policy
D.Modified Life policy ...... ANSWER ....... A
Which of the following statements is CORRECT about
Group Life conversion privileges?
A.Under the COBRA law, a departing employee may elect
to remain a member of the Group Life plan for a limited
period of time.
B.Death during the conversion period is covered even if the
departing employee chose not to convert the policy.
2025/2026 PEARSON VUE NATIONAL HEALTH
INSURANCE EXAM WITH ALL COMPLETE
QUESTIONS AND DETAILED CORRECT ANSWERS
(EXPERT VERIFIED) FOR GUARANTEED PASS TOP-
RATED A+.
PEARSON VUE
Ace your Pearson VUE National Health Insurance Exam with this
comprehensive resource. The material includes up-to-date questions
covering policy provisions, underwriting, and ethics aligned with
Pearson VUE standards. Ideal for individuals preparing for state health
insurance licensing tests.
P wants to name her husband as the beneficiary of her life
policy. However, she wishes to retain all of the rights of
ownership. P should have her husband named as the:
A.irrevocable beneficiary
B.revocable beneficiary
C.secondary beneficiary ...... ANSWER ....... B
A contract that has as its basic function the systematic
liquidation of accumulated assets through periodic payments
is called an:
,2|Page
A.indemnity contract
B.investment contract
C.endowment
D.annuity ...... ANSWER ....... D
An insurance producer takes an application for a life
insurance policy but does not collect the initial premium. On
delivery of the policy to the proposed insured, the producer
must collect the initial premium and which of the following?
A.A copy of the MIB report
B.The insured's signed statement of continued good health
C.A copy of the conditional receipt
,3|Page
D.A copy of the temporary insurance agreement that covered
the period between the application date and the delivery date.
...... ANSWER ....... B
An employer can deduct premium payments as an ordinary
business expense for which of the following life coverages?
A.Buy and Sell Agreements
B.Group
C.Key Employee
D.Joint Life, if the business is named as the beneficiary
...... ANSWER ....... B
A producer takes applications from identical twins who want
to buy the same type of policy in the same amount. The
insurer issues the policies as applied for, but charges a 25
percent higher premium for one of the policies. The
difference in premiums is probably due to which of the
following factors?
A.Incontestability
B.Insurable interest
C.Consideration
, 4|Page
D.Risk classification ...... ANSWER ....... D
In the event of an insured's death, which of the following
provides an income for the family during a designated period
of time followed by a lump sum death benefit?
A.Family Income rider
B.Survivorship Life policy
C.Joint Life policy
D.Modified Life policy ...... ANSWER ....... A
Which of the following statements is CORRECT about
Group Life conversion privileges?
A.Under the COBRA law, a departing employee may elect
to remain a member of the Group Life plan for a limited
period of time.
B.Death during the conversion period is covered even if the
departing employee chose not to convert the policy.
