CA Life, Accident and Health or Sickness Examination
Last Update Feb 7, 2025
Total Questions : 155
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A worker who is credited with 6 quarters of coverage during the last 13-quarter period becomes disabled. What status does the worker have under the Social Security Disability Program?
How does the cost recovery rule apply when a life insurance policy is surrendered for its cashvalue?
According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?
Why is having a large number of similar exposure units important to an insurer?
An insured is receiving benefits from a group health plan for a total disability. Which of the following happens if the existing plan is terminated?
All of the following are features of a Preferred Provider Organization (PPO) EXCEPT
Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid. He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?
During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's
In the California Insurance Code, a fact that is so important it could determine the policy premium is cited for its
Which health insurance contract provision addresses the problem of over insurance?
Which report about an insurance applicant's creditworthiness and personal characteristics may influence eligibility for life and health insurance?
In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT
As defined by the California Code of Regulations, a person who asserts a right of recovery under an insurance policy is called the
Life insurance policy illustrations must include all of the following EXCEPT
Which type of life insurance coverage has both a savings element and a flexible premium option?
Which policy provision protects the insurer against possible adverse selection?
In medical expense insurance, what serves the same purpose as the elimination period in disability income insurance?
Which policy allows the insured to choose where the assets backing the cash value are invested?
Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a qualifying event ensures that an employee who loses coverage can
Loss retention is an effective risk management technique when all of the following conditions exist EXCEPT the
Which policy pays the face amount if the insured survives to the end of a certain period?
What policy is a savings instrument designed to first accumulate funds and then systematically to liquidate the funds?
According to the California Insurance Code, all of the following Long-Term Care (LTC) insurance sales are considered unnecessary EXCEPT
The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy
After the deductible, what portion does a patient pay for covered expenses under Medicare Part B?
In long-term care policies, which of the following is an activity of daily living?
According to the California Insurance Code, an insurance policy must specify all of the following EXCEPT the
It representation in an insurance contract qualifies as which of the following?
The group medical plan provision that applies when a claimant has coverage under more than one plan is known as