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2024 ULTIMATE FLORIDA HEALTH INSURANCE EXAM HEALTH AND LIFE INSURANCE EXAM: COMPREHENSIVE TEST BANK FOR SUCCESS | OVER 700 VERIFIED QUESTIONS & ANSWERS | EXPERT STRATEGIES FOR ACHIEVING TOP SCORES IN HEALTH AND LIFE INSURANCE LICENSING EXAMS| GR£22.61
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2024 ULTIMATE FLORIDA HEALTH INSURANCE EXAM HEALTH AND LIFE INSURANCE EXAM: COMPREHENSIVE TEST BANK FOR SUCCESS | OVER 700 VERIFIED QUESTIONS & ANSWERS | EXPERT STRATEGIES FOR ACHIEVING TOP SCORES IN HEALTH AND LIFE INSURANCE LICENSING EXAMS| GR
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Module
2024 ULTIMATE FLORIDA HEALTH INSURANCE
Institution
2024 ULTIMATE FLORIDA HEALTH INSURANCE
2024 ULTIMATE FLORIDA HEALTH INSURANCE
EXAM HEALTH AND LIFE INSURANCE EXAM:
COMPREHENSIVE TEST BANK FOR SUCCESS | OVER
700 VERIFIED QUESTIONS & ANSWERS | EXPERT
STRATEGIES FOR ACHIEVING TOP SCORES IN
HEALTH AND LIFE INSURANCE LICENSING EXAMS|
GRADED A+
2024 ULTIMATE FLORIDA HEALTH INSURANCE EXAM \ HEALTH AND LIFE INSURANCE EXAM: COMPREHENSIVE TEST BANK FOR SUCCESS | OVER 700 VERIFIED QUESTIONS & ANSWERS | EXPERT STRATEGIES FOR ACHIEVING TOP SCORES IN HEALTH AND LIFE INSURANCE LICENSING EXAMS| GRADED A+ If the insured under a disability income insurance policy change to a more hazardous occupation after the policy has been issued, and a claim is filed, the insurance company should do which of the following? a. cancels the policy b. increases the premium c. exclude coverage for on-the-job policy d. adjusts the benefit in accordance with the increased risk d. a part of the premium rating concerns the hazard of occupation. which benefit is based on the persons primary insurance amount, PIA? a. death benefit in a universal life policy b. accidental death benefit c. long term care benefit d. social security disability d. the amount of the social security disability benefit will be based on the persons primary insurance amount (PIA). the pia is based on the persons average indexed earnings on which social security taxes have been paid. An employer has sponsored a qualified retirement plan for its employees where the employer will contribute money whenever a profit is realized. What is this called? a. HR 10 plan b. Profit sharing plan c. 401k plan d. Tax sheltered amount plan b. A profit sharing plan is one where the employer will contribute monies into an employees retirement plan when the company shows a profit. The others are all qualified plans, but company profit isn't an issue with them. Which of the following would provide an underwriter with information concerning an applicants health history? a. the medical information bureau b. a medical examination c. the agents report d. the inspection report a. An agents report and inspection report provide personal information. Medical exams provide information on current health. Only the mib will provide information about an applicants history. A health insurance policy lapses but is reinstated within an acceptable timeframe. How soon from the reinstatement date will coverage for accidents become effective? a. immediately b. after 14 days c. after 21 days d. after 31 days a. Coverage for accidents is immediate when reinstatement occurs, but coverage for sickness may have a waiting period of about 10 days. Which of the following statements about a suicide clause in a life insurance policy is true? a. suicide is covered as long as the policy is in force. b. suicide is excluded as long as the policy is in force. c. suicide is excluded for a specific period of years and covered thereafter. d. suicide is covered for a specific period of years and excluded thereafter. c. in most states, if death results from suicide within a certain period, the insurer is not obligated to pay the death benefit. Social Security disability definition includes all of the following except: a. disability resulting from a medically determinable mental impairment. b. a physical impairment expected to result in death c. disability expected to last for at least 6 months d. the inability to engage in any gainful work. c. for the purposes of obtaining benefits, the social security act defines disability as inability to engage in any gainful employment due to a medically determinable physical or mental impairment that is expected to result in death or last for a continuous p eriod of 12 months. In the event of loss, after a notice of claim is submitted to the insurer, who is responsible for providing claims forms and to which party? a. insurer to the insured b. insured to the insurer c. insurer to the department of insurance d. insured to the department of insurance a. upon receipt of a notice of claim, the company must supply claims forms to the insured within a specified number of days. The primary purpose of disability income insurance is to a. reimburse medical expenses and/or loss income due to accidents at work b. reimburse lost income while in the hospital c. reimburse loss of income to a family due to the death of the insured d. replace income lost due to a disability d. disability income insurance is designed to replace income loss because the insured is disabled. Which of the following is available to employers of all sizes? a. MSAs b. LPAs c. HSAs d. HRAs d. Health reimbursement accounts consist of funds set aside by employers to reimburse employees for qualified medical expenses, they are available to all sizes of employers.
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