Question 1

In dental insurance coverage, which one of the following typically is EXCLUDED?

Options :

A : Treatment started prior to the eligibility date

B : Preventive care

C : Dental X-rays

D : Root canal therapy

Answer: A

Question 2

The primary purpose of disability income insurance is to:

Options :

A : Provide indemnity for loss of life

B : Pay necessary hospital expenses when the insured is unable to work

C : Provide benefit payments for a period of time when the insured is unable to work

D : Pay any physicians’ fees resulting from a disabling injury

Answer: C

Question 3

It is unlawful for a person to provide an advertisement that:

Options :

A : Points out coverage advantages of a policy

B : Refers to the insurer’s financial rating

C : Uses a policy title to misrepresent a coverage

D : Makes a comparison of benefits between policies

Answer: C

Question 4

Disability income insurance premiums are a deductible expense when the premiums are paid by:

Options :

A : A partnership for group disability income coverage for the partners

B : A corporation for group disability income coverage for the employees

C : An insured for individual disability income coverage

D : An employee for group disability income coverage

Answer: B

Question 5

If an insurer pays an individual accident and health insurance claim during a policy’s grace period:

Options :

A : The deductible is waived

B : A 10% service fee is charged

C : The policy is canceled automatically at the end of the grace period

D : The amount of unpaid premium may be subtracted from the reimbursement

Answer: D