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Take this free practice test to get an idea of what is on your state's life and health insurance agent licensing exam. As an insurance agent, one is allowed to offer many different lines of coverage — provided that the required training and testing qualifications have been met. Those who wish to sell life and health insurance are required to posses the proper licensing for each state in which they conduct business.
In order to obtain a life and health insurance license, individuals must take and successfully pass an exam that is offered by the state licensing boards. The practice exam is written by Susan Wright, MBA, CLU, RHU, REBC, who has over 20 years of experience in the insurance industry and Noah Sobin, an life insuance underwriting expert.
The following practice exam is a sample from the full-length test. Grade Answers as You Go. A beneficiary and the underwriter are not parties to a life insurance contract. An insured may be, but is not necessarily a party.
A wife owner can take a policy out on her husband insuredyet the husband is not a party to the insurance contract. Incorrect answer. Please choose another answer.
In addition to the information about the applicant for insurance, life and health insurance license exam cram free download, underwriters will also look at the named beneficiary in the policy in order to determine whether or not there is an insurable interest.
If there is not, the application for life insurance could be rejected. Given Jack's temporary need for 15 years of coverage to pay off the mortgage balance, the best choice for Jack would be a year term life insurance policy as the premiums would likely be far less than a permanent policy, and once the mortgage is paid off in 15 years, this particular need for Jack will life and health insurance license exam cram free download longer exist.
Because the underlying investments are equities such as mutual funds, variable life insurance policies are considered to be securities. As these investments move up and down with the movements of the equities market, variable life insurance is considered to be more risky than other types of policies as there is the probability that the value of the policy's investment component could decrease. Underwriters look at many factors that can deem an applicant for life insurance as being more or less risky.
These criteria can include hobbies, occupation, lifestyle, gender, age, life and health insurance license exam cram free download, income, and many more. Study Online Instantly. The person or entity that is the policy beneficiary will have an effect on the acceptance of the policy. This is because the beneficiary must be at risk of suffering some type of loss should the insured pass away. The law of agency regulates the relationship between agents and principals as well as agents and third parties with whom they deal on the principal's behalf.
There are many purposes in which the proceeds of corporate owned life insurance may be used. While there are many different options and riders on life insurance, all policies possess a death benefit. Permanent life insurance policies consist of both a death benefit component and a cash value component.
The death benefit is the amount that is paid to the policy beneficiary upon the death of the insured. Should a permanent life insurance policy holder decide to cancel the policy prior to the insured's death, they will receive the amount of the cash surrender value. Although it typically takes approximately two weeks to settle death benefit claims, insurance companies are required to settle such claims within 30 days.
Some claims may require additional time if they require additional investigation. Here, there is nothing suspicious about John's death. A living benefit on a life insurance policy is typically a policy rider that allows an insured who has a qualifying terminal illness to access some or all of the death benefit proceeds in order to pay medical bills or other financial obligations. The death benefit proceeds on the policy will be reduced by the amount that is accessed by the insured.
The living benefits that are accessed from a life insurance policy can typically be taken out either in one lump sum amount or they could be received via regular installments. With the installment method, the insured may wish to use these funds to pay his or her ongoing monthly bills. If a contract contains unclear wording, then a court will interpret the language used against the writer of the contract - unless the wording that is used is required by law to be stated in a specific way.
This promise of covering losses is in exchange for the premium that is paid by the insured and the compliance with the policy terms. All of the above are types of health insurance policies. Health savings accounts HAS are used with high deductible health insurance policies. With an HSA, life and health insurance license exam cram free download, money that is saved on the premium may be put into the account and then life and health insurance license exam cram free download are used for certain medical fees.
Because the funds in the HSA account can be used for medical services, participants often use them for un-covered procedures such as chiropractic visits or other health-related services that are not covered by their insurance policy.
Own occupation is a type of benefit trigger that is found in a disability insurance policy, not in long-term care insurance policies. An elimination period in a long-term care insurance policy is the number of days that an insured must pay for their care after a qualifying claim, but before benefits begin to pay such as with a deductible. The benefit duration in a long-term care policy states how long benefits will be paid to an insured, and the benefit amount may be stated either as a daily or monthly amount.
Some recent long-term care insurance plans life and health insurance license exam cram free download offer a lump-sum benefit payout option. While major medical insurance policies typically have high deductibles, these must be established in the policy as well as the maximum amount of out-of-pocket costs that will life and health insurance license exam cram free download paid by the life and health insurance license exam cram free download holder.
The elimination period is not part of a major medical insurance policy. Rebating is the act of offering an applicant an inducement to purchase insurance.
It is prohibited as an unfair trade practice. Another example would be returning a portion of the applicant's policy premium from the agent's commission. Twisting involves an agent suggesting that an individual let their current insurance coverage lapse in order to purchase a new policy, typically with similar benefits. It is a prohibited activity. In this case, the new policy does not necessarily benefit the client, however, the agent will likely receive a commission on the sale of the new policy.
A copayment is the amount or portion of the total cost that is the patient's responsibility upon receiving a medical service such as an annual check-up. A long-term care insurance policy's elimination period is the number of days that the insured must pay for services out-of-pocket until the insurance coverage begins to pay.
Each CPT also corresponds to one or more International Classification of Diseases ICD-9 codes. For example, may be used for a physical and indicates a flu shot, life and health insurance license exam cram free download. A MSN, or Medicare Summary Notice, can also be checked for any changes to a patient's claims.
Own occupation offers the most liberal definition of disability as the insured is considered to be totally disabled if he or she is unable to engage in the principal duties of his or her own occupation. Although Social Security may provide disability benefits, in the majority of cases, these benefits are inadequate, life and health insurance license exam cram free download. Therefore, Social Security disability benefits should only be used to supplement an individual disability income policy.
Prev Next Finish. Quality starts with who wrote the material. Our practice exam writer s. Susan Wright, MBA, CLU, RHU, REBC has worked in the insurance and financial services industry for over 20 years, where she has focused, in part, on producing training and educational materials. She has held roles at several large insurance and investment companies. She has earned nine industry professional designations, including: Chartered Life Underwriter, Registered Health Underwriter, Registered Employee Benefits Consultant, Certified Senior Advisor and Certified in Long-Term Care.
Noah Sobin is a licensed life insurance agent and insurance consultant who has worked as an agent for over ten years and as an insurance underwriter for five years. He has worked for Lincoln Financial Group and Prudential Financial. He earned his BA in Economics from Flordia State University. Our practice exam covers life and health insurance exam subject areas that are common across the country and is not specific to any one state but rather applicable to all states.
Insured's dependents. All of the above. Both a and b only. Types of Life Insurance Policies and Individual versus Group Life Insurance. Jack and his wife Lyn just purchased a home with a year mortgage. Wanting to make sure that Lyn would be able to pay off the mortgage balance in the event of Jack's death, Jack had a "temporary" need for life insurance. What type of policy should Jack purchase?
Whole Life Insurance. Term Life Insurance. Variable Life Insurance. A Viatical Settlement. Which type of life insurance is considered to be more risky based on its investment component? Level Term Life Insurance. Decreasing Term Life Insurance. Life Insurance Application and Underwriting. Life insurance underwriters look at a variety of factors when determining the acceptance of an applicant.
These factors can include:. Health history. Which of the following needs to have an insurable interest for an underwriter to issue an insurance policy?
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