Free Insurance Licensing PA-Life-Accident-and-Health Exam Dumps Questions & Answers

Falsifying the terms, benefits, advantages, or conditions of an insurance policy is an example of which of the following?

• A.  Misrepresentation
• B.  Concealment
• C.  Coercion
• D.  Forgery

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.  residual.
• B.  partial.
• C.  presumptive.
• D.  recurrent.

An Insurance licensee must do all of the following in order to renew an insurance license EXCEPT

• A.  pay the required renewal fee.
• B.  hold active insurer appointment(s).
• C.  submit to the department a completed renewal form.
• D.  complete the continuing education requirements, if applicable.

Which is NOT a characteristic of a major medical expense policy?

• A.  Stop loss limits
• B.  Coinsurance
• C.  Elimination periods
• D.  Deductibles

The MAJOR factor in determining the benefit amount paid under a disability income policy Is

• A.  wages.
• B.  occupation.
• C.  gender.
• D.  age.