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ExamFX Life and Health Exam* Nebraska Life and Annuities, Accident and Health or Sickness Insurance Questions With Complete Solutions€14,28
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ExamFX Life and Health Exam* Nebraska Life and
Annuities, Accident and Health or Sickness Insurance
Questions With Complete Solutions
A father owns a life insurance policy on his 15-year old
daughter. The policy contains the optional payor benefit rider. If
the father becomes disabled, what will happen to the life
insurance premiums?
A. The premiums will become tax deductible until the insured's
18th birthday
B. The insured will have to pay premiums for 6 months. If at the
end of this period the father is still disabled, the insured will be
refunded the premiums
C. The insured's premiums will be waived until she is 21
D. Since it is the policyowner, and not the insured, who has
become disabled, the life insurance policy will not be affected
Correct Answer C. The insured's premiums will be waived until
she is 21
A group life insurance is converted to an individual policy. The
insured is eligible for individual life insurance coverage without
any evidence of insurability. Within how many days of the first
premium must the insurer notify the insured of their eligibility?
Correct Answer 15
A long stretch of national economic hardship causes a 7% rate
of inflation. A policyowner notices that the face value of her life
insurance policy has been raised 7% as a result. Which policy
rider caused this change?
A. Return of premium rider
B. Value adjustment rider
,C. Inflation Rider
D. Cost of living rider Correct Answer D. Cost of living rider
A participating insurance policy may do which of the following?
A. Pay dividends to the stockholder
B. Pay dividends to the policyowner
C. Provide group coverage
D. Require 80% participation Correct Answer B. Pay dividends
to the policyowner
A policy will pay the death benefit if the insured dies during the
20-year premium-paying period, and nothing if death occurs
after the 20-year period. What type of policy is this?
A. Ordinary life policy
B. Level term
C. Term to specified age
D. Limited pay whole life Correct Answer B. Level term
A small employer must have at least 2 but no more than 50
workers actively engaged in business for at least how many of
the working days during the preceding calendar quarter?
Correct Answer 50%
A Universal Life insurance policy has two types of interest rates
that are called Correct Answer Guaranteed and Current.
A Universal Life Insurance policy is best described as a/an
A. Flexible Premium Variable Life policy.
B. Annually Renewable Term policy with a cash value account.
C. Whole Life policy with two premiums: target and minimum.
, D. Variable Life with a cash value account. Correct Answer B.
Annually Renewable Term policy with a cash value account.
According to HIPAA privacy rule, what is protected health
information (PHI)? Correct Answer All individually
identifiable health information about the insured
According to OBRA, what is the minimum number of
employees required to constitute a large group? Correct Answer
100
According to the Fair Credit Reporting Act, all of the following
would be considered negative information about a consumer
EXCEPT
A. Disputes regarding consumer report information.
B. Failure to pay off a loan.
C. Late payments.
D. Tax delinquencies. Correct Answer A. Disputes regarding
consumer report information.
All of the following statements describe a MEWA EXCEPT
A. MEWA employers retain full responsibility for any unpaid
claims.
B. MEWAs can be sponsored by insurance companies.
C. MEWAs can be self-insured.
D. MEWAs are groups of at least 3 employers. Correct Answer
D. MEWAs are groups of at least 3 employers.
An agent selling variable annuities must be registered with
Correct Answer FINRA.
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