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2024 NEW JERSEY ACCIDENT AND HEALTH STATE EXAM – NUMBERS WITH CORRECT ANSWERS
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2024 NEW JERSEY ACCIDENT AND HEALTH STATE EXAM – NUMBERS WITH CORRECT ANSWERS
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2024 NEW JERSEY ACCIDENT ANDHEALTH STATE EXAM – NUMBERS
WITH CORRECT ANSWERS
The state of New Jersey requires completion of a total of how many
continuing education credits upon renewal of a producers license? -
CORRECT ANSWERS-24 credits 3 of which are ethics
Kathy pays a monthly premium on her health insurance policy. How long is
her grace period? - CORRECT ANSWERS-10
What is an insurance producer not responsible for during field underwriting
during the application process? - CORRECT ANSWERS-Providing commission
information to the applicant
In the health insurance policy, when should the written notice of claim be
given to the insurer? - CORRECT ANSWERS-Within 20 days after the
occurrence or commencement of any loss covered by the policy
The purpose of Medicare Supplement Insurance is to address gaps in
Medicare coverage, which can include: - CORRECT ANSWERS-Medicare in-
hospital deductible
A health insurer must be provided with written proof of loss ___ days after
the date of loss - CORRECT ANSWERS-90
When comparing an HMO to a PPO, the PPO - CORRECT ANSWERS-provides a
greater choice of providers
How much does Medicare Part B pay for physician fees? - CORRECT
ANSWERS-80%
Upon policy delivery, which of the following must a producer have an
applicant sign if no initial premium was collected with the life insurance
application? - CORRECT ANSWERS-A good health statement
What percentage of a participant's income are group long-term disability
benefit amounts typically limited to? - CORRECT ANSWERS-60%
, Which of these gaps in Medicare coverage is addressed with Medicare
Supplemental Insurance? - CORRECT ANSWERS-Medicare in-hospital
deductible
What best describes a conditional insurance contract? - CORRECT ANSWERS-
A contract that requires certain conditions or acts by the insured individual
A health insurance policy will typically cover - CORRECT ANSWERS-
preventative health services
Under the New Jersey Continuance of Benefits Law, notice to extend
coverage is required within how many days of a qualifying event? - CORRECT
ANSWERS-30
A 10% excise tax is normally applied to an early withdraw from an IRA.
According to HIPAA, this tax will not be applied if the withdrawal is used for
medical expenses that exceed _____ of the individual's adjusted gross
income. - CORRECT ANSWERS-7.5%
Nina just passed her New Jersey insurance licensing examination. She is
REQUIRED to apply for a producer's license within _____ months. - CORRECT
ANSWERS-12
Which of the following is present when an applicant stands to lose value if
the insured dies? - CORRECT ANSWERS-Insurable Interest
An agent is a(n) - CORRECT ANSWERS-licensed producer who has a written
contract to represent an insurer
Credit Accident and Health plans are designed to - CORRECT ANSWERS-help
pay off existing loans during periods of disability
Which of the following is NOT a required provision in an accident and health
insurance policy? - CORRECT ANSWERS-Change of occupation
What is a Self-funded plan? - CORRECT ANSWERS-The employer assumes the
financial risk for providing health care benefits to its employees
Long-Term Care policies may provide coverage for claims arising from -
CORRECT ANSWERS-Senile dementia and organic mental disorders
Ken is a producer who has obtained Consumer Information Reports under
false pretenses. Under the FAIR CREDIT REPORTING ACT, what is the
MAXIMUM penalty that may be imposed on Ken? - CORRECT ANSWERS-
$5,000
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