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California Department of Insurance CA Life, Accident and Health or Sickness Examination - CA-Life-Accident-and-Health Exam Practice Test

Page: 1 / 13
Total 157 questions

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Question 1

According to California Insurance Code, which of the following MUST be specified in an insurance contract?

A. Policy exclusions. B. Risks insured against. C. Additional coverages. D. Insurer financial rating.

Correct Answer: B

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Question 2

For income tax purposes, premiums for personal life insurance are

A. not deductible. B. deductible to the extent that they exceed 7.5% of the adjusted gross income. C. tax deferred. D. excluded from the adjusted gross income.

Correct Answer: A

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Question 3

Health Insurance Counseling and Advocacy Program (HICAP) counselors can do all of the following EXCEPT

A. help evaluate policies. B. charge for their services. C. explain Medicare supplement coverages. D. assist in medical record keeping.

Correct Answer: B

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Question 4

When must insurance records of insurance agents and brokers be made available to the Insurance Commissioner?

A. At all times. B. Within 30 days of written request by the Commissioner. C. After the policy is issued. D. Annually and submitted with the proper paperwork.

Correct Answer: A

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Question 5

During the grace period, when may an insurer terminate medical coverage?

A. Policies cannot be terminated during the grace period. B. The insured requests termination in writing. C. The insured receives care from a physician who is not in the plan's network. D. The insured is hospitalized without giving the insurer prior notification.

Correct Answer: B

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Question 6

A married couple who wants life insurance benefits to pay estate taxes when the second spouse dies should purchase what policy?

A. Family policy. B. Joint life policy. C. Survivorship policy. D. Universal life policy.

Correct Answer: C

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Question 7

A Hospital Confinement Indemnity insurance policy pays

A. the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital. B. the amount of the actual hospital expenses. C. 100% of the covered medical expenses less the deductible and coinsurance percentage. D. an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

Correct Answer: A

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Question 8

Under the Family and Medical Leave Act (FMLA), how many weeks of unpaid leave is allowed per year for the birth of a child?

A. 12 B. 4 C. 8 D. 2

Correct Answer: A

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Question 9

The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy

A. does not affect the policy's cash value. B. decreases the length of time that premiums are payable. C. increases the policy's cash value. D. increases the yearly dividend amount.

Correct Answer: A

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Question 10

Regarding the Health Benefit Exchanges, as created by PPACA, all of the following statements are true EXCEPT

A. an individual whose household income is 400% of the federal poverty level may receive a premium tax credit. B. the name of California's Exchange is Covered California. C. an individual may only receive a premium tax credit for a plan if purchased through the Exchange. D. an individual enrolling in a bronze level plan is not eligible for reduced cost-sharing.

Correct Answer: A

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Question 11

A terminating employee who wants to exercise the conversion privilege must meet all of the following requirements EXCEPT

A. pay the premium. B. fill out the required forms. C. apply within 31 days of termination. D. supply evidence of insurability.

Correct Answer: D

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Question 12

If a term life insurance policy is renewable, the renewal provision usually states that

A. the policy cash value increases at each renewal. B. evidence of insurability is required at the time renewal is requested. C. the policy can be renewed at any time, regardless of the insured's age. D. a higher premium is payable at each renewal.

Correct Answer: D

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Question 13

The conversion privilege allows a terminated employee to convert

A. group life insurance into an annuity. B. an annuity into group life insurance. C. permanent insurance into term insurance. D. term insurance into permanent insurance.

Correct Answer: D

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Page: 1 / 13
Total 157 questions

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