Smartly Prepare Exam with Free Online CA-Life-Accident-and-Health Practice Test

We offer the latest CA-Life-Accident-and-Health practice test designed for free and effective online CA Life, Accident and Health or Sickness Examination certification preparation. It's a simulation of the real CA-Life-Accident-and-Health exam experience, built to help you understand the structure, complexity, and topics you'll face on exam day.

Question 1

A life insurance application is important for all of the following reasons EXCEPT

Options :

A : statements made in the application are required to be true to the best of the applicant’s knowledge.

B : the beneficiary must sign the application before the insurer will issue the policy.

C : the application becomes a part of the policy, if a copy is attached.

D : the application contains essential information about the applicant.

Answer: B

Question 2

Which group provides information about health-related issues to the elderly in California?

Options :

A : Medicare supplement insurers.

B :

Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Question 3

Medicare Part B pays for

Options :

A : hospice care.

B : prescription drugs.

C : physicians' services.

D : the first 60 days of hospitalization.

Answer: C

Question 4

A Hospital Confinement Indemnity insurance policy pays

Options :

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Question 5

Which of the following statements regarding risk is TRUE?

Options :

A : Only pure risks are insurable.

B : Only speculative risks are insurable.

C : Both pure and speculative risks are insurable.

D : Neither pure nor speculative risks are insurable.

Answer: A