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Accident and Health Questions and Complete Solutions Graded A+
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Accident and Health Questions and Complete Solutions Graded A+
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Accident and Health Questions andComplete Solutions Graded A+
4. Comprehensive (Non-Scheduled). - Answer: Which of the following types of Dental Policies typically
pays a portion of usual and customary charges for covered procedures?
1. Integrated Deductible.
2. Pre-Paid Dental.
3. Scheduled.
4. Comprehensive (Non-Scheduled).
3. The Fair Credit Reporting Act. - Answer: If an insurance company obtains an investigative consumer
report on a prospective insured, it MUST inform the prospect that it is permitted to do so under which of
the following Federal laws?
1. The Federal Investigative Reporting Act.
2. The Insurance Credit Investigating Act.
3. The Fair Credit Reporting Act.
4. The Insurance Information Practices Act.
2. It prevents an insured covered by two health plans from making a profit on a covered loss. - Answer:
Which of the following statements is CORRECT about the Coordination of Benefits Provision?
1. It prohibits an insurer from selling a health policy to an applicant who already has similar coverage.
2. It prevents an insured covered by two health plans from making a profit on a covered loss.
3. It allows an insured to change insurers without losing benefits.
4. It permits an insurer to defer paying a claim for a work-related injury until Workers' Compensation
Benefits have expired.
2. hospital room and board. - Answer: A Basic Hospital Policy pays expenses for
, 1. surgical services.
2. hospital room and board.
3. in-hospital physician visits.
4. post-operative care.
4. The surviving spouse of a deceased agent. - Answer: A temporary license may be issued by the
Insurance Superintendent to which of the following individuals?
1. A licensed agent who moved from Connecticut to New York.
2. An agent whose license lapsed but is requesting reinstatement.
3. An applicant with a power of attorney.
4. The surviving spouse of a deceased agent.
1. It is a public program assisting individuals with insufficient income to pay for medical care. - Answer:
Which of the following is CORRECT about Medicaid?
1. It is a public program assisting individuals with insufficient income to pay for medical care.
2. It provides benefits to those with chronic kidney disease.
3. It provides Accident and Health insurance for those aged 65 and older.
4. It provides an income to the unemployed.
4. At any time. - Answer: When may a policyowner change a revocable beneficiary?
1. Only when the insurance company renews the policy.
2. Only if the beneficiary dies.
3. Never.
4. At any time.
4. agent delivered the policy. - Answer: Under the Free Look Provision, an insured may cancel a policy
and receive a full refund within 10 days of the date that the
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