CA Life, Accident and Health or Sickness Examination (CA-Life-Accident-and-Health) Free Practice Test

Question 1

All of the following statements apply to the child coverage in a family policy EXCEPT

A. coverage applies only to children born before the policy is issued.

B. children are covered until reaching a specified age.

C. child coverage is convertible to whole life coverage.

D. child coverage is term insurance.

Correct Answer: A

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Question 2

Indexed annuities offer all of the following features EXCEPT

A. an opportunity to participate in gains associated with the stock market.

B. an annually increasing maximum rate of interest.

C. a minimum guarantee of interest rate.

D. protection during stock market declines.

Correct Answer: B

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Question 3

An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

A. Partial payment.

B. Work indemnity.

C. Own occupation.

D. Recovery period.

Correct Answer: C

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Question 4

California long-term care policies may be identified as any of the following EXCEPT

A. Nursing Facility and Residential Care Facility only.

B. Home Care only.

C. Acute Hospital Care only.

D. Comprehensive Long-Term Care.

Correct Answer: C

Question 5

What policy is a savings instrument designed to first accumulate funds and then systematically to liquidate the funds?

A. Mortgage insurance.

B. Disability income insurance.

C. Deferred annuity.

D. Term life.

Correct Answer: C

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Question 6

According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

A. The Commissioner.

B. The licensee.

C. The insurer.

D. The employer.

Correct Answer: C

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Question 7

What would we call a representation which fails to correspond with its stipulations or assertions?

A. Fatal

B. Frivolous

C. False

D. Fraud

Correct Answer: C

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Question 8

Specified disease insurance covers all of the following EXCEPT

A. noncovered medical expenses.

B. incidental costs.

C. costs covered by medical expense insurance.

D. out-of-pocket payments.

Correct Answer: C

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Question 9

Which contract provision forgives the payment of all health or disability insurance premiums whilethe insured is disabled?

A. waiver of premium

B. guaranteed insurability

C. cost of living

D. family leave

Correct Answer: A

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Question 10

What is the amount of the penalty tax imposed on premature payments under annuity contracts?

A. 10%

B. 50%

C. 20%

D. 25%

Correct Answer: A

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Question 11

A commonly used cost containment measure for emergency hospital care under a major medical expense plan is the

A. deductible.

B. inpatient fee.

C. premium tax.

D. pre-admission test.

Correct Answer: D

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Question 12

Which report about an insurance applicant's creditworthiness and personal characteristics may influence eligibility for life and health insurance?

A. Attending physician's statement.

B. Medical Information Bureau disclosure.

C. Agent's report.

D. Consumer report.

Correct Answer: D

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Question 13

All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT

A. Members pay higher monthly fees when out-of-network providers are utilized.

B. Members receive care from providers in the HMO network.

C. Out-of-pocket expenses are limited as long as the network is utilized.

D. Members pay fixed monthly fees to the HMO.

Correct Answer: A

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Question 14

Which health insurance contract provision addresses the problem of over insurance?

A. Coordination of benefits.

B. Assignment of benefits.

C. Incontestability.

D. Reinstatement.

Correct Answer: A

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Question 15

Vision insurance usually limits coverage in all of the following ways EXCEPT

A. a specific dollar amount for frames.

B. a specific dollar amount for examinations.

C. one set of lenses per year.

D. one examination per year.

Correct Answer: B

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California Department of Insurance CA Life, Accident and Health or Sickness Examination (CA-Life-Accident-and-Health) Free Practice Test