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An individual may obtain a temporary insurance producer's license without passing the licensing examination if the individual: A.is a deceased licensed producer's next of kin A. is a deceased licensed producer's next of kin B.is taking insurance courses at a university B. is taking insurance courses at a university C.has met the minimum experience requirement C. has met the minimum experience requirement D.holds a license in another state D. holds a license in another state โโa
Pearson Vue State Health Insurance practice Exam With
Actual Questions & answers/ latest update 2 025 ; (GradedA+)
Controlled business is defined as insurance a producer writes on all of the following individuals EXCEPT the producer's: A.relatives A. relatives B.employees B. employees C.neighbors C. neighbors D.spouse D. spouse โโc When taking an application for a Medicare Supplement policy, a producer must provide the applicant with: A.an Outline of Coverage A.
C.a certificate of authority C. a certificate of authority D.articles of incorporation filed with the Secretary of State D. articles of incorporation filed with the Secretary of State โโc Which of the following statements is prohibited in A & H insurance advertisements? A."This is an introductory offer." A. "This is an introductory offer." B."This plan is accredited by an agency of the federal government." B. "This plan is accredited by an agency of the federal government." C."The amount of benefits provided depends upon the plan selected." C. "The amount of benefits provided depends upon the plan selected." D."Coverage will continue as long as premiums are paid and the plan remains in force."
D.
"Coverage will continue as long as premiums are paid and the plan remains in force." โโb Under a group health policy, an employee who has been covered under a company's group health plan for six months and is terminated for cause MUST be permitted to: A. convert to an individual policy by providing evidence of insurability A. convert to an individual policy by providing evidence of insurability B.convert to an individual policy without providing evidence of insurability B. convert to an individual policy without providing evidence of insurability C.continue the group coverage by providing evidence of insurability C. continue the group coverage by providing evidence of insurability D.continue the group coverage by paying the required premium D. continue the group coverage by paying the required premium โโd
six months B.one year B. one year C.two years C. two years D.seven years D. seven years โโc Any company that furnishes health care services to enrolled members in return for a fixed sum or prepaid premium is defined as: A.a franchise plan provider A. a franchise plan provider B.a health maintenance organization B.
a health maintenance organization C.a blanket health insurer C. a blanket health insurer D.an industrial health insurer D. an industrial health insurer โโb The Insurance Commissioner may examine the records of an insurer at which of the following times? A. Only when a state court has ordered an examination A. Only when a state court has ordered an examination B. Only when consumer complaints against the company become unusually frequent B. Only when consumer complaints against the company become unusually frequent C.Only when the company is filing for reorganization C.
D.
It is not provided unless maternity coverage is part of the insured's medical plan. โโc An individual appointed by an insurer to solicit applications for a policy of insurance on its behalf is known as: A.an adjuster A. an adjuster B.a consultant B. a consultant C.an insurance broker C. an insurance broker D.an insurance producer D. an insurance producer โโd
Credit A & H insurance MUST provide coverage for a loss caused by: A.disability A. disability B.accidental death B. accidental death C.temporary layoff C. temporary layoff D.voluntary unemployment D. voluntary unemployment โโa In order for nonresident applicants to be eligible for an insurance producer license in this state, they MUST: A.reside less than twenty-five miles from the state border A.
defamation C.misrepresentation C. misrepresentation D.controlled business D. controlled business โโb An individual who, for the purpose of collecting premiums, acts for another in negotiating a contract of insurance is considered to be: A.a principal A. a principal B.a broker B. a broker C.a solicitor C.
a solicitor D.a producer D. a producer โโd Which of the following persons is authorized to enforce state insurance laws? A.The Insurance Commissioner A. The Insurance Commissioner B.The state Attorney General B. The state Attorney General C.The Governor C. The Governor D.The state Auditor D. The state Auditor โโa
A.
policy was delivered to the applicant B.application was mailed to the insurer B. application was mailed to the insurer C.applicant signed the application C. applicant signed the application D.policy was mailed to the producer of record D. policy was mailed to the producer of record โโa Which of the following statements is CORRECT about Medicare Supplement coverage? A. Both members of a married couple must be at least sixty-five years old for either to obtain coverage. A. Both members of a married couple must be at least sixty-five years old for either to obtain coverage.
B. An applicant need not reveal existing Medicare Supplement coverage on an application for a second Medicare Supplement policy. B. An applicant need not reveal existing Medicare Supplement coverage on an application for a second Medicare Supplement policy. C. Replacement of an existing Medicare Supplement policy is specifically prohibited. C. Replacement of an existing Medicare Supplement policy is specifically prohibited. D.Duplication of Medicare benefits is specifically prohibited. D. Duplication of Medicare benefits is specifically prohibited. โโd Which of the following statements is CORRECT about insurance producers who fail to satisfy the continuing education requirements? A. They may be subject to a fine. A. They may be subject to a fine. B. They may be subject to legal prosecution. B.
