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Life and Health Insurance Exam Practice Test
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1. Which provision designates the person to whom Medical Expenses will be paid?
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10 points
Time Payment of Claims
Entire Contract
Payment of Claims
Claim Forms
2. Which type of receipt makes the insurer liable for the risk from the date of application, regardless of the applicant's insurability?
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10 points
Binding Receipt
Conditional Receipt
Inspection Receipt
Temporary Reccipt
3. Current Assumption Life Insurance Policies are sensitive to which of the following?
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10 points
Current Age of the insured
Current Cash Value of the policy
Interest Rates
Health of the Insured
4. At age 20 J bought an insurance policy of $100,000 Whole Life Paid Up at age 65, with a Double Indemnity Rider. At age 75 J dies due to a car accident. How much will the insurance company pay?
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10 points
$100,000
$200,000
$0
$400,000
5. An insurance company pays $500,000 to a beneficiary after the death of an insured, who took a policy out only 4 months earlier. This scenario describes which feature of an insurance contract?
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10 points
Unilateral
Conditonal
Aleatory
Fulfilled
6. What is provided by the Producer's/Agent's Report?
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10 points
The Applicant's Background Check
The Applicant's responses to the application questions
Personal Observations about the applicant
Personal Observations about the applicant's medical history
7. An applicant states he is studying to become a pilot and will receive the pilot license at the end of the month. This causes the applicant to be uninsurable unless the applicant signs what form?
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10 points
A form stating his intentions to use his license once he receives it
A Conditional Receipt
An Aviation Waiver
An Aviaton Receipt
8. An insured who is covered under her group policy has decided to change jobs and has called to ask you for how long her work insurance cover will her for after her last day of work, what should you tell her regarding her coverage.
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10 points
Inform her she will be covered for 30 days after she leaves her job
Inform her she will be covered for 31 days after she leaves her job
Inform her she will be covered for 30 business days after she leaves her job
Inform her she will be covered for 31 business days after she leaves her job
9. In order for accident. Accidental Death and Dismemberment Policy to Pay a death benefit, the death must occur within how many days of the accident?
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10 points
The death must occur within 24 hours of the accident
The death must occur within 30 days of the accident
The death must occur within 60 days of the accident
The death must occur within 90 days of the accident
10. Who may bring a civil action in the appropriate United States district court against any person engaging in conduct constituting an offense under Section 1033?
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10 points
The Insurance Commissioner
The Secretary of State
The State Govenor
The Attorney General
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