PA-Life-Accident-and-Health問題集、Insurance Licensing実際の試験問題

質問 1

Managed care is typically provided under all of the following EXCEPT a

A. health maintenance organization (HMO) plan.

B. point-of-service (POS) plan.

C. preferred provider network health plan.

D. major medical indemnity plan.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 2

Nearly every life insurer in the United States belongs to the

A. Securities Exchange Commission.

B. Centers for Medicare and Medicaid Services.

C. Medical Information Bureau.

D. National Association of Insurance Commissioners.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 3

What provision allows the insured a period of time in which to review a newly-issued insurance policy and. if dissatisfied for any reason, return it for a full refund of the premium?

A. right to examine

B. elimination period

C. probationary period

D. grace period

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 4

An insured has a stop-loss limit of $10,000, a deductible of $500, and an 80%'20% coinsurance. The insured incurs $50,000 of covered losses in an accident. How much I will the insured have to pay?

A. $10,000

B. $10,600

C. $500

D. $10,400

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 5

The ownership provision of a life insurance policy states that during the insured individuals lifetime, the rights and privileges belong to the

A. insured individual only.

B. owner only.

C. beneficiaries.

D. insured individual's family.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 6

A violation of the annuity suitability laws may be determined by

A. a hearing before the Insurance Commissioner.

B. the consumer's accountant

C. the insurer that issued the annuity.

D. an independent agency.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 7

Under which circumstance would a business purchase life insurance?

A. to fund employee healthcare

B. to expand the business

C. to pay off a loan

D. to compensate executives

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 8

An insured under a disability income policy is receiving monthly benefit checks after losing both legs in an automobile accident. Although the insured could be assigned desk duties, the condition that automatically qualifies this insured for total disability classification is

A. recurrent.

B. partial.

C. residual.

D. presumptive.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 9

A document that specifies the most important provisions of a purchased policy is known as a

A. policy summary.

B. buyer's guide.

C. conditional receipt.

D. underwriter's report.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 10

All of the following factors are used in determining premiums EXCEPT

A. expense.

B. interest

C. liquidity.

D. mortality.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 11

The Pennsylvania Insurance Department is responsible for all of the following EXCEPT

A. producers.

B. form approvals.

C. shareholders.

D. insurers

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 12

Which General Policy Provision allows an insurer to adjust policy benefits and/or premium rates if the insured has changed to a more hazardous occupation?

A. modified assignment provision

B. modified occupation provision

C. policy assignment provision

D. change of occupation provision

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 13

Which is an accurate statement regarding the taxation of personal life insurance?

A. Dividends and interest earned are taxable as ordinary income.

B. The interest on a policy loan is tax deductible to the insured.

C. Lump sum death benefits are income tax free.

D. The payment of accelerated death benefits are reported as taxable Income.

正解: C

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing Pennsylvania Life, Accident and Health - PA-Life-Accident-and-Health 模擬練習