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LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE EXAM WITH 300 PRACTICE QUESTIONS AND CORRECT ANSWERS/ LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE EXAM 2024 (NEW!)$29.99
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LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE
LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE
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LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE EXAM WITH 300 PRACTICE QUESTIONS AND CORRECT ANSWERS/ LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE EXAM 2024 (NEW!)
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LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE
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LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE
LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE LICENSE EXAM WITH 300 PRACTICE QUESTIONS AND CORRECT ANSWERS/ LOUISIANA ACCIDENT LIFE & HEALTH INSURANCE EXAM 2024 (NEW!)
LOUISIANA ACCIDENT LIFE & HEALTH
INSURANCE LICENSE EXAM 2024-2025 WITH 300
PRACTICE QUESTIONS AND CORRECT
ANSWERS/ LOUISIANA ACCIDENT LIFE &
HEALTH INSURANCE EXAM 2024 (NEW!)
The provision in a health insurance policy that ensures that the insurer cannot refer
to any document that is not contained in the contract is the?
(Choose from the following options)
1. Time limit on certain defenses clause.
2. Incontestability clause.
3. Legal action against us clause.
4. Entire contract clause. - ANSWER-Entire contract clause.
Entire contract is a mandatory provision that is required by law.
The amount of disability benefits that an insured receives often depends upon the
insured's
(Choose from the following options)
1. Income at the time of the application.
2. Marital status at the time of the application.
3. Number of children at the time of the application.
4. Medical history at the time of the application. - ANSWER-Income at the time of
the application.
Which of the following is NOT true regarding uniform mandatory provisions
concerning claims?
(Choose from the following options)
1. If the insured is 2 years late in filing a proof of loss, the claim can be denied.
pg. 1
,2. An insured must notify the insurer of a claim on forms prescribed by the insurer.
3. If the insured is several days late in filing proof of loss form, the claim cannot be
denied if the insured can show good cause.
4. The insured is customarily required to give notice of claim within 20 days. -
ANSWER-An insured must notify the insurer of a claim on forms prescribed by
the insurer.
If forms are not furnished, written proof of the occurrence, nature of the loss, and
extent of loss must be submitted to the insurer.
A producer has been notified by the Commissioner to stop using an unapproved
trade name. How many days does the producer have to change the trade name
before facing a fine?
(Choose from the following options)
1. 30 days
2. The name must be changed immediately.
3. 5 business days
4. 10 days - ANSWER-10 days
A producer who continues to use an unapproved trade name for 10 or more days
after being notified will face a fine of up to $5,000.
An insured has an Accidental Death & Dismemberment policy with a principal
value of $50,000. He loses sight in both eyes in a hunting accident. How much will
he receive?
(Choose from the following options)
1. $25,000
2. $0
3. $50,000
4. $100,000 - ANSWER- $50,000
pg. 2
,An agent is completing an application for a long-term care policy. The agent is
required to do all of the following EXCEPT
(Choose from the following options)
1. Warn the applicant about the 10-day free-look period.
2. Make sure the policy is appropriate for the applicant's needs.
3. Provide the applicant with the Outline of Coverage.
4. Ask where the applicant has another LTC policy in force. - ANSWER-Warn the
applicant about the 10-day free-look period.
The policy will usually pay the principal amount for the loss of both eyes, or two
or more limbs.
At what age may an individual make withdrawals from an HSA for nonhealth
purposes without being penalized?
(Choose from the following options)
1. 55
2. 59 1/2
3. 62
4. 65 - ANSWER-65
After age 65, a withdrawal from an HSA used for a nonhealth purposes will be
without a penalty, although taxed.
What was created to keep telemarketers from calling consumers who do not wish
contacted?
(Choose from the following options)
1. Call Control Registry
2. National Do Not Call Registry
3. Confidential No Call Act
pg. 3
, 4. Freedom of Information Act - ANSWER-National Do Not Call Registry
The National Do Not Call Registry was created to allow consumers the choice to
not be contacted by telemarketers
Regarding long-term care policies, which of the following would NOT be included
in activities of daily living?
(Choose from the following options)
1. Eating
2. Sleeping
3. Bathing
4. Dressing - ANSWER-Sleeping
Normally to be eligible for benefits from a long-term care policy, the insured must
be unable to perform some of their activities of daily living (ADLs). ADLs include
bathing, dressing, toileting, transferring (or mobility), continence, and eating.
Which of the following is true regarding a single life settlement option?
(Choose from the following options)
1. Payments continue until the entire principal is exhausted.
2. Proceeds are paid out in a lump sum.
3. It provides income for a specified period of time.
4. It provides income the beneficiary cannot outlive. - ANSWER-It provides
income the beneficiary cannot outlive.
The Single Life Option can provide a single beneficiary income for the rest of
his/her life. Upon the death of the beneficiary, the payments stop.
pg. 4
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