Pearson Vue State Health Insurance Practice Exam
a - ANS-A producer may be guilty of misrepresentation if the producer:
A.tells an insured the deductible on a policy is less than it actually is
A.
tells an insured the deductible on a policy is less than it actually is
B.cancels a policy because of the insured's loss history
B.
cancels a policy because of the insured's loss history
C.gives part of a commission to the applicant in order to make a sale
C.
gives part of a commission to the applicant in order to make a sale
D.neglects to record information reported by an insured
D.
neglects to record information reported by an insured
a - ANS-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
a - ANS-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
a - ANS-Each Long Term Care policy must state that the applicant has the right to return the
policy and have the premium refunded if the applicant is not satisfied for any reason within ten
days of the date that the:
A.policy was delivered to the applicant
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
a - ANS-When taking an application for a Medicare Supplement policy, a producer must provide
the applicant with:
A.an Outline of Coverage
A.
an Outline of Coverage
B.a sample policy
B.
a sample policy
C.a copy of the Medicare handbook
C.
a copy of the Medicare handbook
D.a copy of the insurer's annual report
D.
a copy of the insurer's annual report
a - ANS-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
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