XCEL TESTING SOLUTIONS -
CALIFORNIA PRE-LICENSING
EDUCATION - LIFE, ACCIDENT AND
HEALTH INSURANCE
When an insurance company requests an attending physician's report, the request must
be accompanied by a - answer Copy of the signed authorization
Which of the following is NOT a required uniform provision in individual health policies?
- answer Change of occupation
"Life insurance creates an immediate estate". This phrase means - answer When the
insured dies, a death benefit is paid
A person who asserts a right of recovery under an insurance policy is called - answer
Claimant
Before an insurer is allowed to test an individual for HIV, what must be completed? -
answer Consent Form
Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used
to classify the risk, the insurer will most likely classify Jim according to the occupation
that - answer is most hazardous
Under a long-term care insurance policy, adult day care coverage will provide for -
answer part time care at a facility for elderly individuals who live at home
Which of the following is NOT true regarding a family policy that covers children? -
answer Conversion of child's coverage to permanent insurance requires evidence of
insurability
How long is a person expected to be disabled in order to receive Social Security
disability benefits? - answer12 months
Which of the following describes the number of deaths in a year compared to the
number of people in a select group? - answer Mortality rate
Which of the following is NOT required in the content of a policy? - answer Probability of
loss
, Jim is applying to become an insurance agent and has a past misdemeanor conviction
that was later expunged due to California Penal Code 1203.4. Which of the following
statements is correct? - answerJim must still disclose the conviction on his insurance
license application
Which of the following is a life insurance policy that does NOT require a physical exam?
- answerNon-medical
The insurer has the option of terminating a health insurance policy on a date stated in
the contract. What type of policy is this? - answerOptionally renewable
An individual that has 40 quarters of coverage, for Social Security purposes, is
considered to be - answerFully insured
In a life insurance policy, the entire contract consists of the - answerpolicy and attached
application
Which of the following is NOT considered to be an act of insurance solicitation? -
answerPublishing a magazine where one of the advertisers is an insurer
All of the following circumstances must be met for loss retention to be an effective risk
management technique EXCEPT - answerProbability of loss is unknown
The importance of a representation is demonstrated in what rule? - answerMateriality of
concealment
Which word implies permissiveness according to the California Insurance Code? -
answerMay
Medical expense policies will typically cover which of the following? - answerInjuries
caused by accidents
Which of the following is NOT protected under the California Life and Health Guarantee
Association? - answerInsurers
Individuals become eligible for Medicare Part A benefits at what age? - answer65
An agent's attempt to stop the replacement of an existing life insurance policy is known
as - answerconservation
Which of the following is NOT an accurate description of Access for Infants and Mothers
Program (AIM)? - answerOnly women who have private insurance plans with a
maternity-only deductible or copayment greater than $1,500 are eligible
CALIFORNIA PRE-LICENSING
EDUCATION - LIFE, ACCIDENT AND
HEALTH INSURANCE
When an insurance company requests an attending physician's report, the request must
be accompanied by a - answer Copy of the signed authorization
Which of the following is NOT a required uniform provision in individual health policies?
- answer Change of occupation
"Life insurance creates an immediate estate". This phrase means - answer When the
insured dies, a death benefit is paid
A person who asserts a right of recovery under an insurance policy is called - answer
Claimant
Before an insurer is allowed to test an individual for HIV, what must be completed? -
answer Consent Form
Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used
to classify the risk, the insurer will most likely classify Jim according to the occupation
that - answer is most hazardous
Under a long-term care insurance policy, adult day care coverage will provide for -
answer part time care at a facility for elderly individuals who live at home
Which of the following is NOT true regarding a family policy that covers children? -
answer Conversion of child's coverage to permanent insurance requires evidence of
insurability
How long is a person expected to be disabled in order to receive Social Security
disability benefits? - answer12 months
Which of the following describes the number of deaths in a year compared to the
number of people in a select group? - answer Mortality rate
Which of the following is NOT required in the content of a policy? - answer Probability of
loss
, Jim is applying to become an insurance agent and has a past misdemeanor conviction
that was later expunged due to California Penal Code 1203.4. Which of the following
statements is correct? - answerJim must still disclose the conviction on his insurance
license application
Which of the following is a life insurance policy that does NOT require a physical exam?
- answerNon-medical
The insurer has the option of terminating a health insurance policy on a date stated in
the contract. What type of policy is this? - answerOptionally renewable
An individual that has 40 quarters of coverage, for Social Security purposes, is
considered to be - answerFully insured
In a life insurance policy, the entire contract consists of the - answerpolicy and attached
application
Which of the following is NOT considered to be an act of insurance solicitation? -
answerPublishing a magazine where one of the advertisers is an insurer
All of the following circumstances must be met for loss retention to be an effective risk
management technique EXCEPT - answerProbability of loss is unknown
The importance of a representation is demonstrated in what rule? - answerMateriality of
concealment
Which word implies permissiveness according to the California Insurance Code? -
answerMay
Medical expense policies will typically cover which of the following? - answerInjuries
caused by accidents
Which of the following is NOT protected under the California Life and Health Guarantee
Association? - answerInsurers
Individuals become eligible for Medicare Part A benefits at what age? - answer65
An agent's attempt to stop the replacement of an existing life insurance policy is known
as - answerconservation
Which of the following is NOT an accurate description of Access for Infants and Mothers
Program (AIM)? - answerOnly women who have private insurance plans with a
maternity-only deductible or copayment greater than $1,500 are eligible
