Aflac Final Exam Practice Questions and Answers (100% Pass)
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Course
Aflac Insurance
Institution
Aflac Insurance
Aflac Final Exam Practice Questions and
Answers (100% Pass)
Which of the following does specified disease insurance NOT cover? -
Answer️️ -Costs covered by medical expense insurance
Failure to report background changes within 30 days as required as
required under section 1792.2 of the Cali...
Aflac Final Exam Practice Questions and
Answers (100% Pass)
Which of the following does specified disease insurance NOT cover? -
Answer✔️✔️-Costs covered by medical expense insurance
Failure to report background changes within 30 days as required as
required under section 1792.2 of the California insurance code could
subject a license or applicant to - Answer✔️✔️-All of these
Premiums are best described as - Answer✔️✔️-the amount an insured pays
per unit of coverage
Who is issued a certificate of insurance with a group insurance policy? -
Answer✔️✔️-participant
Health insurance policies typically contain a provision stating that insureds
and their insurer will share covered losses in an agreed proportion. Which
provision does this refer to? - Answer✔️✔️-Coinsurance
Reasonably necessary acts that an agent must perform for carrying out his/
her expressly authorized suitors are covered by an agent's: - Answer✔️✔️-
Implied authority
Which of the following health care providers provides both the healthcare
services and healthcare coverage? - Answer✔️✔️-Health Maintenance
Organization (HMO)
At what age is a surviving spouse without dependents eligible for Social
Security survivor benefits? - Answer✔️✔️-60
Which of the following is an insurer established by a parent company for
the purpose of insuring the parent company's loss exposures? -
Answer✔️✔️-Captive insurer
How is the cost of employer-provided group life insurance with coverage
amounts above $50,000 treated for tax purposes? - Answer✔️✔️-Taxable
income to the employee
In a life insurance policy, the entire contract consists of? - Answer✔️✔️-
policy and attached application
Which of these is NOT a relevant factor in the health insurance principle of
morbidity? - Answer✔️✔️-intelligence
Both the Federal and state governments jointly finance which health
insurance entitlement program? - Answer✔️✔️-Medi-Cal
Which of the following piece of information is NOT gathered during the
personal financial planning process? - Answer✔️✔️-An individual's civic
organization membership
If an insured dies because of an accident, which type of life insurance rider
will provide additional coverage? - Answer✔️✔️-Accidental death rider
Which of the following is NOT a life insurance detriment option? -
Answer✔️✔️-Extended term option
Which of the following is NOT covered by the Family and Medical Leave
Act? - Answer✔️✔️-Traveling overseas with a spouse
After the annual deductible is met, a Medicare Part B patient will pay ___
of the remaining covered expenses. - Answer✔️✔️-80%
What does the insurance term "indemnity" refer to? - Answer✔️✔️-Make
whole
Which of the following is NOT included under long-term care insurance? -
Answer✔️✔️-Hospital acute care
When handling premiums for an insured, an agent is acting in which
capacity? - Answer✔️✔️-Fiduciary
The cost of services charged by the Health Insurance Counseling Advocacy
Program (HiCap) is - Answer✔️✔️-no cost
An annuity which is backed by a life insurer's separate account is called
a(n) - Answer✔️✔️-Variable annuity
Which of the following is NOT a common life insurance policy rider? -
Answer✔️✔️-Extended term
Retirement plans cannot favor highly compensated employs. The
government regulation that prevents this from happening is called -
Answer✔️✔️-Nondiscrimination
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