450 North Sam Houston Parkway East, Suite 130, Houston, Texas 77060 by: pepper15. Important information about this practice test. Download this free Launching Your Insurance Career eBook. bigdave641 moved Life Insurance Flash Cards, Chapter Quiz, Review Testa and Exams, DO Life Certification Exam from Professional Development (Friday) to Catchup (Saturday) The life insurance exam covers a number of complex topics, ranging from annuities to health maintenance organizations (HMO's). But the best advice I can give is – don’t. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. Always. So how much do you really know? d. All of the above 6. Loss retention is an effective risk management technique when all of the following conditions exist except: A disability policy, described as "guaranteed renewable" is one where the insurance company. c) 49%. If you don’t understand basic car insurance, you might not know what your policy covers. A. Health is the primary key to a fair and peaceful life. Between 15 and 45 years. The ExamFX Insurance training platform offers a wide variety of insurance prelicensing courses in all 50 states. Vocabulary Sometimes. Be on the lookout for increased rates due to medical conditions caused by your past drug abuse. Cram.com makes it easy to get the grade you want! To provide health insurance benefits to key employees, To give a key employee the ability to purchase the business, To give retirement benefits to key employees, To cover decreased business earnings due to the death of a key employee, Deny the application probably after a hearing, As long as it was not insurance related, the application will be granted, Approve only after a review by a panel of insurance professionals, None, due to the fact that the concealment was unintentional, $250 fine to be paid to the injured party, Possible imprisonment to the party who concealed the information, The insured chooses to assume the losses involved, Surrenders the right to change the premiums, Reserves the right to change any of its terms, Reserves the right to change the premiums, but may not change any of its terms, May not renew the policy if the insured ceases to comply with certain conditions such as continued employment, Insurers may offer only broad coverage plans that contain both core benefits and additional benefits, Insurers may freely offer whatever supplemental coverages they prefer to market, Insurers may offer policies that contain only the core benefits, Insurers may create insurance policies for approval by the CA Department of Insurance, Waive premium payments in the event of disability, Access a portion of the death benefit in the event of serious illness, Double the amount of the death benefit in the event of accidental death, Purchase additional insurance regardless of insurability, Employees no longer had any legal means of obtaining reimbursement for work injuries, Employees would have to sue their employers to obtain reimbursement for work injuries, Employers would be held responsible for the cost of their employee's work injuries regardless of fault, Employers were no longer responsible for work injuries to employees, RW and Associates who represent BLG Insurance Corporation, RW and Associates underwriting for BLG Insurance Corporation, RW and Associates placing business through BLG Insurance Corporation, RW and Associates using the services of BLG Insurance Corporation, Who joined the group after the policy effective date, Without health coverage after a qualifying event who declined to join the group at the time of eligibility, With a pre-existing condition when they joined the group, An agent's supervisor who takes part of his commission, An employee who handles self-insurance claims, An employee who is responsible for evaluating for relative quality of competing group health and welfare benefits offered to his employer by insurers, An outside organization that processes claims for an employers self-funded plans, Removing question excerpt is a premium feature. There aren’t many better ways of education than a knowledge test. General Insurance Exam. In 2026, the demand for insurance agents is expected to have grown by 10%. Note: Memorization of practice insurance exam questions is not a substitute for the comprehensive, in-depth knowledge you’ll need to pass your insurance licensing exam! PLAY. What is consideration? You must take a medical exam to qualify for life insurance: a. In addition, a series of health questions will be asked. In order to pass the exam you must devote a considerable amount of time to studying prior to the test. An example of a third party administrator is: A form of rest or relief offered to family members who are caring for a person who requires continual care is. Variable life insurance policies are less likely to offer more choices in terms of the type of investment funds. Learn. a. Flashcards Best for Quick Coverage: Bestow. 1. Our study guide is filled with the type of content and sample questions that will be found on the Life and Health exam, and our flashcards help you study through the use of repetition. alisonstevenson. Write. III. The Life and Health exam are specific to each state, so the content and requirements are different depending on where you live. Mometrix Test Preparation offers both a study guide and flashcards to those preparing for the Life and Health exam. Until you pass away – guaranteed for your entire lifetime. CompuCram offers a unique learning methodology that guides you step-by-step from the initial pre-assessment through all of the insurance exam preparation options. Prometric offers three types of Insurance practice tests to help you prepare for your official licensure test: Life, Health and Property/Casualty at no cost to the candidate. RW and Associates may leave the name BLG Insurance Corporation in its advertisements by clearly stating the relationship between the two businesses in any of the following ways, except: The probationary period in a group health policy is intended for people, Which provision will pay a portion of the death benefit prior to the insured's death due to a serious illness, An individual with a low income and high insurance needs should buy. America’s Professor offers a range of insurance pre-licensing courses, including property & casualty, life, health, accident & sickness, and others, all structured according to the requirements of your state. Build your confidence and industry expertise with CompuCram’s exclusive system of combining simulated insurance agent practice exams, study vocabulary, and insurance industry practice testing.Show more. Therefore, below is a short quiz on life insurance. The State Exam Outline tells you how many questions are included in each section of the test. What is express authority? Gravity. The policy's cash value is: Intentional concealment entitles the injured party to which course of action? Question 1 . In the past year, he received two traffic violations for running a red light and speeding. laraspears. Life & Health Insurance Exam. Take this quiz and find out. 4 years ago. All of the following are reasons to buy term life insurance except: Survivor protection Estate creation Retirement income Estate conservation; 2. Largest Life Insurance Company in India is: a) The New India Assurance Company … Insurance Awareness Questions with answers for upcoming insurance exams :-Q1. Actions. Life & Health Insurance Exam. Life & Health Insurance Exam. You need to have a medical exam in order to buy life insurance. Sean is a smoker and travels frequently to developed countries to host scuba diving tours. Examples of exam questions – Life insurance . When an insured person receives a health insurance policy he has how many days to review and ask for a return of his/her premium? Blood and urine tests during a life insurance medical test screen for dozens of health indicators and conditions, such as: HIV and AIDS; STDs; Cholesterol, including LDL and HDL, and triglycerides (poor levels correlated with heart disease) Hemoglobin A1C, fructosamine and glucose levels (as an indicator of whether may you have diabetes) Creatinine, hemoglobin and proteins (to … Life insurance is often viewed as a confusing topic. Preview this quiz on Quizizz. The Exam Simulator makes studying simple. What would be the Insurance Commissioner's most likely course of action if an applicant for an insurance license had a previous application for a professional license denied for cause by any licensing authority within five years of the date of the filing? c. Never. d. Up to age 100. PLAY. CompuCram includes: From what we know, insurance exam pass rates fluctuate … Surrender charges and other policy charges may apply to distribution taken from the policy. A life insurance medical exam is often done at home. Life Insurance Quiz. Pass Rates and Recommended Study Time. He is 100 years old today. • You can create your profile and see your result history with just one click. LLQP Certification - The Life License Qualification Program (LLQP) is created for Individuals seeking to become a licensed life insurance agent. There is a $33 convenience fee to take the remote test. Pays benefits only if it turns out the insured is eligible for benefits from social insurance, Pays a benefit if the insured is injured on the job and qualifies for workers compensation benefits, Provides a payment only when the insured is totally disabled, but not receiving any social insurance benefit plans, Provides for a bonus payment that will match social security disability income benefits, if they are paid, A level death benefit with an increase in premium, A level death benefit with a decrease in premium, A decreasing death benefit with a level premium, An increasing death benefit with a level premium, Select a provider and submit claims to the insurance company, Select a provider at work and claims processor, Pre-select a physician and third-party claims administrator, Pre-select a clinic and submit claims to the insurance company, An irrevocable beneficiary may be changed by the policy owner without the beneficiary's consent, An irrevocable beneficiary has a vested right that neither the policy owner nor his creditors can impair without the beneficiary's consent, A revocable beneficiary can become the policy owner at any time by paying the premiums, An irrevocable beneficiary has the right to name a contingent beneficiary for the policy, A hearing by the insurance commissioner to determine the severity of the the misrepresentation and to determine an appropriate course of action, None, if the policy has been in force for over 12 months, A hearing by a court of law to determine an appropriate course of action an insurer may take. Here are the secrets to pass your life & health insurance, property & casualty insurance and Series 6 license exam. There are three different types of formats for these questions: a) direct questions, b) incomplete sentences, and c) answers that begin with All of the following except Join the over 500,000 people who have used CompuCram to pass their exam the first time! Insurance Awareness Quiz Questions and Answers PDF MCQ. Which health provision protects an insured from the expense of a catastrophic illness? Test and improve your knowledge of Life & Health Insurance Exam Prep & Practice with fun multiple choice exams you can take online with Study.com Choose your answer to the question and click 'Continue' to see how you did. The receipt given to a life insurance applicant when the application is completed and the initial premium is received is called a(n) conditional receipt. When are parties to a contract required to communicate information solely based on personal judgment for a matter in question: Which statement is true regarding Medicare Supplement Insurance plans? Purchase this test Resume test. 1. Choosing a life insurance policy can be overwhelming. Online Idioms and Phrases Test for English Spoken, MBA Entrance, Insurance Exams, SSC, CDS, Insurance Exams Preparation and Practice +91-85588-96644 - or - Request a Call. Contractor. 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. Created by. The Exam Simulator helps you manage your time and learn quickly by allowing you to study your material on a topical basis, or by taking timed exam simulations that look and feel exactly like the real thing. You'll be comfortable with the format of the test and confident that you'll pass on the first try. The law of insurance A promise made by one party to the other The binding force in any contact An insurance company located in another state 2. In most cases, you do not have to go to a hospital or medical center for a life insurance medical exam. Flashcards. In 2026, the demand for insurance agents is expected to have grown by 10%. A disability income policy social insurance supplement (SIS) benefit rider: A health maintenance organization (HMO) plan contains costs by promoting. Each is specifically designed to follow the individual state’s testing provider exam outline, ensuring that only the information that might be presented in the exam is covered. 227 times. The investment elements of variable life insurance policies is made known to the policy owner at the outset and is invested in a separately identifiable fund which is made up of units of investment. There’s sometimes a tendency to minimize the importance of a life insurance medical exam. Simulated exams CompuCram.com is part of the Hondros Education Group, your partner in professional education. The guaranteed insurability option provides the ability to: Which type of insurance guarantees the right to renew the policy each year, regardless of health but at an increased premium: The passage of worker's compensation legislation meant. There are multiple tests and other things that must be done as part of a life insurance med exam. 450 North Sam Houston Parkway East, Suite 130, Houston, Texas 77060 America’s Professor offers a range of insurance pre-licensing courses, including property & casualty, life, health, accident & sickness, and others, all structured according to the requirements of your state. True, most of the time. If the company determines you are likely to die at an early age, they will want to collect higher premiums early on. 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