ILLINOIS ACCIDENT AND HEALTH
PRODUCER GENERAL EXAM
QUESTIONS AND DETAILED ANSWERS.
EXPERT VERIFIED FOR GUARANTEED
PASS.
The insured and insurance company will share the cost of covered losses under which health
policy feature? - ANS Payment of Claims provision
M applies for a health insurance policy and pays the initial premium. When the agent
completes the application, a conditional receipt is left with the applicant. The insurance
company's underwriting department request's M's medical records and determines that M has
had asthma for many years. All of the following are probable underwriting outcomes, EXCEPT: -
ANS Changing the policy's provisions
M applies for a health insurance policy and pays the initial premium. When the agent
completes the application, a conditional receipt is left with the applicant. The insurance
company's underwriting department request's M's medical records and determines that M has
had asthma for many years. All of the following are probable underwriting outcomes - ANS 1.
Deny coverage
2. Approve with higher premiums
3. Attach a rider excluding specified coverages
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, Which type of policy would pay An employee salary if the employer was injured in a bicycle
accident and out of work for six weeks - ANS Business overhead expense
Which of the following types of organizations are prepaid group health plans, where members
pay in advance for services of participating physicians and hospitals that have agreements -
ANS A Health Maintenance Organization (HMO)
is a prepaid group health plan, where members pay in advance for the services of participating
physicians and hospitals that have agreements.
Which of these is not considered a preventative service in a dental plan - ANS Fillings
(A Restorative Service. Oral Examinations, teeth cleaning, and fluoride treatments are
preventative services).
R becomes disabled and owns an individual Disability Income policy. When is R eligible to
receive disability benefits? - ANS Upon satisfying the elimination period requirement
The health insurance program which is administered by each state and funded by both the
federal and state governments is called - ANS Medicaid-
is funded by both the federal and state governments and administered by individual states.
A(n) ______ of benefits of a health policy transfers payments to someone other than the
policyowner - ANS assignment
Which type of plan normally includes hospice benefits? - ANS managed care plans
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
PRODUCER GENERAL EXAM
QUESTIONS AND DETAILED ANSWERS.
EXPERT VERIFIED FOR GUARANTEED
PASS.
The insured and insurance company will share the cost of covered losses under which health
policy feature? - ANS Payment of Claims provision
M applies for a health insurance policy and pays the initial premium. When the agent
completes the application, a conditional receipt is left with the applicant. The insurance
company's underwriting department request's M's medical records and determines that M has
had asthma for many years. All of the following are probable underwriting outcomes, EXCEPT: -
ANS Changing the policy's provisions
M applies for a health insurance policy and pays the initial premium. When the agent
completes the application, a conditional receipt is left with the applicant. The insurance
company's underwriting department request's M's medical records and determines that M has
had asthma for many years. All of the following are probable underwriting outcomes - ANS 1.
Deny coverage
2. Approve with higher premiums
3. Attach a rider excluding specified coverages
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, Which type of policy would pay An employee salary if the employer was injured in a bicycle
accident and out of work for six weeks - ANS Business overhead expense
Which of the following types of organizations are prepaid group health plans, where members
pay in advance for services of participating physicians and hospitals that have agreements -
ANS A Health Maintenance Organization (HMO)
is a prepaid group health plan, where members pay in advance for the services of participating
physicians and hospitals that have agreements.
Which of these is not considered a preventative service in a dental plan - ANS Fillings
(A Restorative Service. Oral Examinations, teeth cleaning, and fluoride treatments are
preventative services).
R becomes disabled and owns an individual Disability Income policy. When is R eligible to
receive disability benefits? - ANS Upon satisfying the elimination period requirement
The health insurance program which is administered by each state and funded by both the
federal and state governments is called - ANS Medicaid-
is funded by both the federal and state governments and administered by individual states.
A(n) ______ of benefits of a health policy transfers payments to someone other than the
policyowner - ANS assignment
Which type of plan normally includes hospice benefits? - ANS managed care plans
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
