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Arizona Life and Health Insurance State Exam Simulator (1). Questions & 100% Verified Correct Answers with complete solutions (Latest update CA$11.48   Add to cart
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Arizona Life and Health Insurance State Exam Simulator (1). Questions & 100% Verified Correct Answers with complete solutions (Latest update

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Arizona Life and Health Insurance State Exam Simulator (1). Questions & 100% Verified Correct Answers with complete solutions (Latest update

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  • August 15, 2024
  • 10
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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  • arizona life and health insurance state exam simul

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Arizona Life and Health Insurance State Exam
Simulator
Available to the policyowner when the policy has been surrendered. - ANS-Which statement
regarding the cash value of a whole life insurance policy is correct?

An annuity exchanged fora . life insurance policy. - ANS-Which of the following is NOT a valid
contract exchange?

contract guaranteed rate - ANS-Interest is credited to a fixed annuity no lower than the

Only where not prohibited by law - ANS-Under the uniform mandatory provisions, an accident
and health insurer has the right to request an autopsy

A parent saving for a child's college - ANS-Which of the following would NOT be appropriate for
an immediate annuity?

cover preventative care once every six months - ANS-Jerry has an indemnity plan which covers
dental expenses. Typically, these type of plans

Corporation paying for group disability income coverage for its employees - ANS-In what
situation would disability income insurance premiums be a deductible expense?

As the number of insured units increases, the number of losses decreases - ANS-which of these
statements regarding insurance is false?

Marketing the plan - ANS-A MET third-party administrator may NOT perform which of the
following functions?

It encourages weekend admission - ANS-which of the following statements regarding hospital
pre-authorization is NOT true?

April 1st of the year following the year the participant attains age 70 1/2 - ANS-Traditional
individual retirement annuity (IRA) distributions must start by

Expressed authority - ANS-Use of XYZ Insurance Company brochures, business cards, and
rating guides is an example of

Skilled nursing facility care - ANS-Medicare Part A covers which type of care?

, cost basis - ANS-Al surrenders his life insurance policy for its cash value. The total of the
premiums paid into the policy minus total dividends received in cash or used to offset premiums
is referred to as the

HMO - ANS-Which of the following health plans pay benefits on a pre-paid service basis?

Sign an enrollment card - ANS-Laura is a new employee and will be obtaining non-contributory
group Major Medical insurance from her employer. Which of the following actions must she take
during the open enrollment period?

expenses and withdrawals - ANS-When determining the accumulation value of a deferred
annuity, the total is calculated by taking the premiums paid plus interest earned minus

Noncancelable - ANS-Which of the following health insurance plans charges a premium that
cannot be increased?

nonforfeiture options - ANS-The contractual rights which allow the owner of a deferred annuity
to surrender the cash value several years before the annuity date are called

excess charge - ANS-The difference between a doctor's actual charges and the amount
approved by Medicare is referred to as a(n)

waiver - ANS-Giving up a known right on a voluntary basis is called a(n)

Plan A pays up to $5,000 and Plan B pays up to $2,000 - ANS-Kim is covered under two
medical expense plans. Plan A pays up to 5,000. Plan B pays up to $4,000. If she incurs $7,000
in expenses, the coordination of the benefits provision dictates that

State insurance departments - ANS-Who regulates an insurer's claim settlement practices?

insured is expected to be confined to a nursing home for life - ANS-A life insurance policy that
contains an accelerated (living) benefit rider will provide funds if the

Waives the typical total disability requirements - ANS-Which of the following best describes the
presumptive disability provision?

disability policies - ANS-Elimination periods typically apply to

An issued policy - ANS-What qualifies as acceptance of an insurance contract offer?

Determining the final rate classification - ANS-Which of these is NOT an underwriting
responsibility of a life insurance agent?

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