Life and Health Certification Exam Practice Questions and Answers |Verified
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Course
Life and Health Certification
Institution
Life And Health Certification
Life and Health Certification Exam
Practice Questions and Answers |Verified
Which of the following types of insurance riders is not based on term life insurance? - Answer-
Waiver of premium
At what point after the effective date of an accident and health insurance policy does it become
inconte...
HMO - Answer✔✔-health maintenance organization (cheaper - less options)
All of the following are duties of the commissioner EXCEPT - Answer✔✔-writing the Washington
insurance laws
Who investigates claims on behalf of the insurer or the insured? - Answer✔✔-An Adjuster
Which of the following sales of insurance is subject to replacement regulations? - Answer✔✔-Sale of
new individual life insurance policy that causes an existing life insurance policy to be surrendered.
a lapsed life insurance policy may be reinstated - Answer✔✔-Within 30 days after the grace period
expires
policies classified as non-occupational normally provide coverage for - Answer✔✔-losses due to sickness
or accidents that are not work-related.
a guaranteed insurability rider normally provides that between ages 25 and 40, additional life insurance
may be purchased without proof of insurability - Answer✔✔-whenever the policyowner wishes
when a health maintenance organization chooses a limited number of health care providers to provide
services to its subscribers, this is known as - Answer✔✔-A Gatekeeper system
Which of the following correctly describes Medicaid? - Answer✔✔-It provides medical benefits for
certain low-income people
all of the following are required provisions in health care insurance policies EXCEPT - Answer✔✔-Change
of occupation
An insurer that is incorporated and operates in the same state with which it is organized is called -
Answer✔✔-Domestic
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