NV Accident and Health
Last Update Sep 20, 2026
Total Questions : 130
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Which of the following groups is NOT eligible to purchase blanket health insurance to cover its members for a specific event or activity?
A policyowner borrows money from the insurer using the cash value of a whole life policy as security. If the loan and accrued interest are unpaid when the insured dies, what is the usual result?
The Coinsurance clause in an individual Medical Expense policy refers to the:
Which of the following persons is NOT required to be licensed by the Nevada Insurance Commissioner?
In a typical HMO arrangement, what is the primary role of the primary care provider?
Which of the following benefits are usually EXCLUDED or limited under a Long Term Care policy?
A $100,000 group Accidental Death and Dismemberment policy will pay double indemnity if the insured dies in a commercial airplane crash. If the insured is killed when flying to a business meeting on a commercial flight, the policy will pay a MAXIMUM of:
The Nevada Insurance Commissioner may revoke the license of any licensed producer who:
In a cross-purchase buy-sell agreement funded by life insurance, who typically owns the policy on each business owner?
A corporation purchases life insurance on a highly valuable executive and is named as owner, premium payer, and beneficiary. What is the primary purpose of this arrangement?
An application for an individual Disability Income policy may require all of the following information about the proposed insured EXCEPT for:
A policy pays a stated dollar amount for each day an insured is confined to a hospital, regardless of the actual hospital bill. What type of coverage is this?
Which of the following policies provides a specified income benefit when the insured person becomes unable to work because of illness or accident?
For Social Security disability benefits, which statement is generally correct?
Most insurance companies use the usual, customary, and reasonable (UCR) charges to:
An applicant unintentionally gives an incorrect answer about a material health condition on a life insurance application. This is best described as:
An insured who wants to guarantee that an Accident and Health policy will remain in force even in the event of being disabled should purchase which of the following riders?
Under a typical coordination-of-benefits rule, a child is covered under both parents’ group health plans. Which plan is generally primary when the parents are married and neither plan contains an exception?
Under a Gold health insurance plan, an insurer would be expected to pay which percentage of medical costs?
What is the primary purpose of a waiver-of-premium rider on a life insurance policy?
J and K are married and have several children. J is the primary beneficiary on K ' s Accidental Death and Dismemberment (AD & D) policy, and K ' s sibling, L, is the contingent beneficiary. J, K, and L are involved in a train accident, and K and L are killed instantly. The Accidental Death benefits will be paid to:
Under a life insurance policy with a revocable beneficiary designation, who normally has the authority to change the beneficiary?
In Nevada, which life insurance policy is subject to a 30-day right to surrender for a premium refund after delivery?
For a group health plan subject to the federal waiting-period rule, the waiting period for otherwise eligible employees generally may not exceed:
A producer offers a prospective life insurance applicant a gift card that is not stated in the policy as an inducement to purchase coverage. Which prohibited practice is most directly implicated?
Under federal COBRA continuation rules, an employee who loses group health coverage because of termination of employment or reduction in hours will generally be offered continuation coverage for up to:
Which person is the measuring life whose survival determines the timing and duration of annuity payments?
A prospect submits an Accident and Health application with the premium and receives a conditional receipt. The insurance company issues a policy and mails it to the insured, but the insured never receives it. Which of the following statements is CORRECT about this situation?
Under an individual health policy issued in Nevada, a newborn is automatically covered for a MAXIMUM of how many days after birth?
A life policy lapses because a premium was not paid. To reinstate the policy, the insurer will generally require all of the following EXCEPT:
All insurance companies and producers who sell Group Life or Accident and Health policies in Nevada MUST:
In order to be covered under the Nevada Life and Health Insurance Guaranty Association, an insurance company MUST be:
TESTED 21 Sep 2026
