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Arkansas Health and Accident Practice Exam Questions & 100% Verified Correct Answers with complete solutions (Latest update

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  • Chemistry 141
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  • Chemistry 141

Arkansas Health and Accident Practice Exam Questions & 100% Verified Correct Answers with complete solutions (Latest update

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  • August 15, 2024
  • 15
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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  • arkansas health and accident practice exam

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  • Chemistry 141
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Arkansas Health and Accident Practice Exam
Subrogation - ANS-An insurer has the right to recover payment made to the insured from the
negligent party. These rights are called

contributory
indemnity
estoppel
subrogation

Continuation of Benefits - ANS-Which provision states that a group accident and health policy
must provide a continuation of benefits for an individual insured if the policy is terminated or
replaced?

Continuation of Coverage
Conversion Privilege
Continuation Privilege
Continuation of Benefits

Incarceration - ANS-The Arkansas Insurance Department may take each of the following
actions EXCEPT:

Issue Cease and Desist Order
Impose fines
Revoke licenses
Incarceration

The contract is not in force without the initial premium being paid - ANS-Bill the producer is
collecting the initial premium on a health policy. Which of the following statements is true?

The contract is not in force without the initial premium being paid
A partial initial premium is acceptable
The insured has no advantage to pay the initial premium at the time of application
A claim must be honored by the insurer even if an initial premium is not paid

may never raise premiums - ANS-In contrast to a guaranteed renewable policy, a
noncancellable policy

may cancel the policy only at renewal
may raise premiums at policy renewal
may raise premiums at anytime
may never raise premiums

, When becoming eligible for Medicare - ANS-An individual can enroll in a Part C Medicare
Advantage Plan at what time?

When becoming eligible for Medicaid
At age of retirement
Age 59 1/2
When becoming eligible for Medicare

As a broker - ANS-If an agent has a combined agent/broker license, and recommends a
particular insurer to a customer in which he/she is not appointed, in what capacity is the agent
acting?

as a broker
as an agent
as an adjuster
as an underwriter

Increase the premiums on an individual basis - ANS-Which of the following actions may an
insurance company NOT do in a health policy that contains a guaranteed renewable premium
benefit?

Stop renewing policy when the insured reaches a specified age
Cancel policy if premiums are not paid
Increase the premiums on an individual basis
Increase the premiums on the basis of an entire classification

Hospital indemnity plan - ANS-Which of the following is NOT included under a health benefit
plan?

Major medical policy
Basic hospital policy
Hospital indemnity plan
Surgical expense policy

health insurance producer license - ANS-Which license is REQUIRED in order to solicit Long
Term Care insurance in the State of Arkansas?

Life Insurance Producer License
Long Term Care Insurance Producer License
Casualty Insurance Producer License
Health Insurance Producer License

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