CA Accident and Health Insurance

Question 1

All of the following are covered under the Access for infants and Mothers Program. EXCEPT:

Answer 1

any mother who reside in the state of California whether or not she has applied

Question 2

What happens under a misstatement of age clause on a disability policy?

Answer 2

all amounts payable under this policy shall be what the premium originally would have purchased and been paid at the correct age.

Question 3

Which of the following is an INACCURATE statement regarding replacement for long-term care coverage?

Answer 3

Group long-term care policies have the same rules regarding replacement as individual long-term care policies

Question 4

In which situation is a person or other entity that provides coverage for medical expenses Not subject to the jurisdiction of the insurance department?

Answer 4

When they are subject to the jurisdiction of another agency of this or another state or the federal government

Question 5

Which is an INACCURATE statement regarding inflation protection for long-term care insurance?

Answer 5

The protection covers a specified percentage of actual or reasonable charges, and includes a maximum specified indemnity amount.

Question 6

A policy with a life insurance benefit for a disabled employee includes an extension of benefits upon its discontinuance when all of the following are met EXCEPT

Answer 6

during a 30 day period in which to accept the terms of the new policy

Question 7

Which of the following may be described as an “administrator” of life & health coverage or annuities?

Answer 7

the Insurance Commissioner who has access to the records for examination, audit, and inspection purposes

Question 8

When does a license become inactive for a broker?

Answer 8

upon the termination of all appoinments, or all endorsements

Question 9

Which is an ACCURATE statement regarding benefits of Medicare supplement and Medicare select plans?

Answer 9

There is no restriction for benefits after the coverage has been in effect for six months when involving a preexisting condition

Question 10

All of the following may be eligible to qualify for enrollment in the Healthy Families Program EXCEPT

Answer 10

children who fail to meet citizenship or immigration rules

Question 11

Who is the California Life and Health & Guarantee Association is regulated by?

Answer 11

The California Insurance Commissioner

Question 12

All of the following are permitted to have blanket insurance policies with specific restrictions EXCEPT

Answer 12

any union with dues-paying members.

Question 13

Which is an INACCURATE statement regarding standards to avoid unfair underwriting for applicants at risk for auto immune deficienct, human immunodeficiency virus, or AIDS related conditions?

Answer 13

Insurers are permitted to schedule AIDS and HIV testing without the specific consent of the individual applying for insurance

Question 14

When shall an individual certificate be deemed to be “individualized” within the meaning of the CIC?

Answer 14

if it contains either the name of the person covered or some other means of identifying to the individual covered that it is his individual certificate

Question 15

Can any life insurer issue group life insurance with premium rates less than the usual rates for such insurance?

Answer 15

yes, they may do so on any group plan, with or without annuities

Question 16

Which is considered unnecessary replacement for long-term coverage unless as a means to consolidate policies with one insurer?

Answer 16

Issuing 3 or more policies within a 12 month period

Question 17

under which situation would an individual enrolled in Medicare Part B be INELIGIBLE for open enrollment?

Answer 17

notice of end stage renal decease from the primary care physician

Question 18

What do all long-term care insurers, agents and brokers owe to the policyholder or prospective policyholder?

Answer 18

a duty of honesty, good faith, and fair dealing

Question 19

When is the practice of ‘post claims’ underwriting allowable on disability insurance covering hospital, medical or surgical expenses?

Answer 19

At no time

Question 20

All of the following are types of licenses EXCEPT

Answer 20

accident and health solicitor

Question 21

Life and Disability Insurance Analysts must provide an agreement with a statement that includes all of the following EXCEPT

Answer 21

that fees can be received for servicing a policy on which they were the selling agent

Question 22

Which of the following BEST defines the general concept of the 24-hour care plan?

Answer 22

It integrates workers’ compensation medical care with the care provided by the group health insurance.

Question 23

When is it allowable for a written application for any disability policy to be altered?

Answer 23

by the insurer, for administrative purposes only, when it is clear that the applicant has not made the insertions

Question 24

Which is a requirement of an insurer who offers long-term care policies?

Answer 24

Provide the name, address and phone number for the local Health Insurance Counseling and Advocacy Program

Question 25

What happens under a misstatement of age clause on a disability policy?

Answer 25

All amounts payable under this policy shall be what the premium originally would have purchased and been paid at the correct age.

Question 26

Which is an INACCURATE statement regarding standards to avoid unfair underwriting for applicants at risk for auto immune deficiency, human immunodeficiency virus, or AIDS related conditions?

Answer 26

Insurers are permitted to schedule AIDS and HIV testing without the specific consent of the individual applying for insurance.

Question 27

all of the following may be eligible to qualify for enrollment in the Healthy Families Program EXCEPT

Answer 27

Children who fail to meet citizenship or immigration rules.

Question 28

When shall an individual certificate be deemed to be "individualized" within the meaning of the CIC?

Answer 28

If it contains either the name of the person covered or some other means of identifying to the individual covered that it is his individual certificate

Question 29

Which is an INACCURATE statement regarding inflation protection for long-term care insurance?

Answer 29

The protection covers a specified percentage of actual or reasonable charges, and includes a maximum specified indemnity amount

Question 30

Can any life insurer issue group life insurance with premium rates less than the usual rates for such insurance?

Answer 30

Yes, they may do so on any group plan, with or without annuities

Question 31

Which is considered unnecessary replacement for long-term coverage unless as a means to consolidate policies with one insurer?

Answer 31

issuing 3 or more policies within a 12 month period

Question 32

Which of the following BEST defines the general concept of the 24-hours care plan?

Answer 32

It integrates worker's compensation medical care with the care provided by group health insurance

Question 33

Life and Disability Insurance Analysts must provide an agreement with a statement that includes all of the following EXCEPT

Answer 33

that fees can be received for servicing a policy on which they were the selling agent

Question 34

Which is an ACCURATE statement regarding benefits of Medicare supplement and Medicare select plans?

Answer 34

There is no restriction for benefits after the coverage has been in effect for six months when involving a preexisting condition

Question 35

All of the following are requirements for an applicant to be licensed as a life & disability insurance analyst EXCEPT

Answer 35

having been employed by an insurance company

Question 36

Which of the following may be described as an "administrator" of life and health coverage or annuities

Answer 36

The insurance Commissioner who has access to the records for examination, audit, and inspection purposes

Question 37

Which of the following may insurers use in their underwriting?

Answer 37

family medical history

Question 38

Which is NOT a requirement of Medicare Supplement provider?

Answer 38

Displaying prominently on the first page of the policy disclosure that the policy "will cover all of the medical expenses"

Question 39

A policy with a life insurance benefit for a disabled employee includes an extension of benefits upon its discontinuance when all of the following are met EXCEPT

Answer 39

during a 30 day period in which to accept the terms of the new policy

Question 40

When may a licensee surrender for cancellation any license under which they are permitted to act?

Answer 40

at any time

Question 41

When is the practice of "post claims" underwriting allowable on disability insurance covering hospital, medical or surgical expenses?

Answer 41

at no time

Question 42

Which of the following is an INACCURATE statement regarding replacement for long-term care coverage?

Answer 42

Group long-term care policies have the same rules regarding replacement as individual long-term care policies

Question 43

Under which situation would an individual enrolled in Medicare Part B be INELIGIBLE for open enrollment?

Answer 43

notice of end stage renal decease from the primary care physician

Question 44

When does a disability policy become incontestable as to the statements contained in the application?

Answer 44

after this policy been in force for a period of two years during the lifetime of the insured

Question 45

Which coverage is a life insurance licensee NOT authorized to produce?

Answer 45

Coverage for major medical expenses

Question 46

In which situation is a person or other entity that provides coverage for medical expenses NOT subject to the jurisdiction of the insurance department?

Answer 46

When they are subject to the jurisdictions of another agency of this another state or federal government

Question 47

When is it allowable for a written application for any disability policy to be altered?

Answer 47

by the insurer for administrative purposes only, when it is clear that the applicant has not made the insertions

Question 48

Are dependents eligible for any premium refunds or dividends paid under any policy of group disability insurance?

Answer 48

Yes, insured employees are generally eligible as well as their dependents

Question 49

Under which situation would an individual enrolled in Medicare Part B be INELIGIBLE for open enrollment?

Answer 49

Notice of end stage renal decease from the primary care physician

Question 50

Which is an ACCURATE statement regarding long-term care advertisements and the "cold lead device" disclosure?

Answer 50

The fact that a cold lead device was used must be immediately announced to the customer

Question 51

Which coverage is a life insurance licensee NOT authorized to produce?

Answer 51

Coverage for major medical expenses

Question 52

Can any life insurer issue group life insurance with premium rates less than the usual rates for such insurance?

Answer 52

Yes, they may do so on any group plan with or without annuities

Question 53

All of the following may be eligible to qualify for enrollment in the Healthy Families Program EXCEPT

Answer 53

children who fail to meet citizenship or immigration rules

Question 54

Which is an INACCURATE statement regarding standards to avoid unfair underwriting for applicants at risk for auto immune deficiency, human immunodeficiency virus, or AIDS related conditions?

Answer 54

Insurers are permitted to schedule AIDS and HIV testing without the specific consent of the individual applying for insurance

Question 55

Who is the California Life and Health & Guarantee Association is regulated by?

Answer 55

The California Insurance Commisioner

Question 56

When shall an individual certificate be deemed to be "individualized" within the meaning of the CIC?

Answer 56

if it contains either the name of the person covered or some other means of identifying to the individual covered that it is his individual certificate

Question 57

Which is considered unnecessary replacement for long-term coverage unless as a means to consolidate policies with one insurer?

Answer 57

Issuing 3 or more policies within a 12 month period

Question 58

When may a licensee surrender for cancellation any license under which they are permitted to act?

Answer 58

at any time

Question 59

Which is NOT a requirement of a Medicare Supplement provider?

Answer 59

Displaying prominently on the first page of the policy the disclosure that the policy "will cover all of the medical expenses"

Question 60

Which of the following is an INACCURATE statement regarding replacement for long-term care coverage?

Answer 60

Group long-term care policies have the same rules regarding replacement as individual long-term care policies

Question 61

Which of the following BEST defines the general concept of the 24-hour care plan?

Answer 61

it integrates workers' compensation medical care with the care provided by group health insurance

Question 62

When does the guaranteed issue period for Medicare Supplement end?

Answer 62

Sixty three days after the dis enrollment of the previous coverage

Question 63

What do all long-term care insurers, agents and brokers owe to the policyholder or prospective policyholder?

Answer 63

a duty of honesty, good faith, and fair dealing

Question 64

all of the following are permitted to have blanket insurance policies with specific restrictions EXCEPT

Answer 64

any union with dues paying members

Question 65

When does a license become inactive for a broker?

Answer 65

upon the termination of all appointments or all endorsements

Question 66

Which of the following may insurers use in their underwriting

Answer 66

family medical history

Question 67

What type of licensee can receive a fee from any person or source other than an insurer?

Answer 67

Life and Disability Insurance Analyst

Question 68

When is the practice of "post claims" underwriting allowable on disability insurance covering hospital, medical or surgical expenses?

Answer 68

at no time

Question 69

A policy with a life insurance benefit for a disabled employee includes an extension of benefits upon its discontinuance when all of the following are met EXCEPT

Answer 69

during a 30 day period in which to accept the terms of the new policy

Question 70

All of the following conditions provide a basis for group life insurance coverage EXCEPT

Answer 70

amounts of insurance may be selected as needed per individuals personal need

Question 71

Which is an INACCURATE statement regarding coverage for domestic partnerships?

Answer 71

A policyholder may not require that a domestic partnership be registered to qualify for coverage

Question 72

When a replacement policy is being considered, what is required from an insurer?

Answer 72

A list of existing policies, replacement notice signed by the applicant and the agent, and a notice sent to any existing insurers that replacement is possible are all requirements

Question 73

How long does an employee in a group insurance policy have to exercise the conversion privilege after employment is terminated?

Answer 73

31 days to use the conversion privilege and begin an individual life insurance policy

Question 74

What happens if an owner requests an immediate investment of monies in a variable annuity policy be returned during the 30 day cancellation period?

Answer 74

The owner shall receive the market value at the time of the cancellation

Question 75

All of the following are TRUE about the rules regarding the sale of life insurance and annuities to seniors age 65 or older EXCEPT

Answer 75

the agent, broker or insurer is required to show a copy of their insurance license with name, address, and phone number when conducting business in the senior's home

Question 76

When is an ACCURATE statement regarding dependent coverage under a group insurance policy?

Answer 76

The coverage must not exceed mote than 100 percent of the coverage for the insured employee

Question 77

Losses arising from all of the following conditions may be excluded from group life policies EXCEPT

Answer 77

natural disasters