InsNV_Health02問題集、Insurance Licensing実際の試験問題

質問 1

What is the minimum age requirement for a natural person applying for a resident Nevada producer license?

A. 25 years old

B. 16 years old

C. 18 years old

D. 21 years old

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 2

According to Nevada law, an authorized insurer is BEST defined as:

A. any insurer with minimum assets as required by this state

B. an insurer authorized under a certificate of authority issued by the Governor of Nevada

C. an insurer with a certificate of authority issued by the Insurance Commissioner of Nevada

D. an insurer with a certificate of authority issued by the National Association of Insurance Commissioners (NAIC)

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 3

In order for a health insurance producer to be an Exchange Enrollment Facilitator (EEF), the producer:

A. can receive commissions from the company in addition to the compensation as a facilitator

B. must surrender the producer ' s license and apply for an Exchange Enrollment Facilitator license

C. can offer advice to consumers resulting in the " steering " of the selection of coverage

D. can receive both commission and compensation as a facilitator

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 4

Under federal COBRA continuation rules, an employee who loses group health coverage because of termination of employment or reduction in hours will generally be offered continuation coverage for up to:

A. 12 months

B. 18 months

C. 6 months

D. 60 months

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 5

An incorporated licensee who seeks to do business under a fictitious name is required to file a document about the name with the:

A. National Association of Health Underwriters

B. Nevada Attorney General ' s office

C. Nevada Insurance Commissioner

D. National Association of Insurance and Financial Advisors

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 6

Which feature is most characteristic of universal life insurance?

A. Coverage that can never build cash value

B. Flexible premiums and adjustable death-benefit options, subject to policy requirements

C. Investment risk borne entirely by the insurer in a separate account

D. A fixed premium and fixed death benefit with no flexibility

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 7

What is the primary purpose of a waiver-of-premium rider on a life insurance policy?

A. It eliminates all future policy loans.

B. It waives required premiums if the insured becomes totally disabled as defined by the rider.

C. It guarantees a higher death benefit every year.

D. It converts term insurance automatically into whole life insurance.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 8

Group coverage for a handicapped dependent child may be continued if the primary insured submits the required proof to the insurance company within what MAXIMUM period of time after the child reaches the limiting age?

A. 30 days

B. 31 days

C. 15 days

D. 45 days

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 9

When a criminal violation of the insurance code has occurred, the Nevada Insurance Commissioner is required to report the violation to the:

A. Lieutenant Governor

B. State Police

C. District Attorney

D. Secretary of State

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 10

An insurance company MUST take which of the following actions to terminate a producer ' s appointment?

A. Request a hearing before the Insurance Commissioner

B. Request that the Division of Insurance cancel the producer ' s license

C. Notify the producer of the termination at least thirty days before the effective date of termination

D. Send notice of the termination to the Insurance Commissioner

正解: D

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing NV Accident and Health - InsNV_Health02 模擬練習