EMT Practice Test

1. Question Content...

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Question1: Individual life insurance policies sold to seniors in the State of California must include aprominently placed statement that divulges all of the following information EXCEPT

Question2: What is the amount of the penalty tax imposed on premature payments under annuity contracts?

Question3: When a family policy covers children, all of the following are true EXCEPT

Question4: How many days does the California Insurance Code give an individual to return a life policy for cancellation?

Question5: The group medical plan provision that applies when a claimant has coverage under more than one plan is known as

Question6: Which nonforferture option uses cash surrender values to select paid-up term insurance for the full face amount of the policy?

Question7: A health insurance issuer offering coverage in the individual market must provide premium rebates if its medical loss ratio (MLR) is less than what percentage?

Question8: In long-term care policies, which of the following is an activity of daily living?

Question9: What is the limit of liability in a term life insurance policy?

Question10: In the California Insurance Code, a fact that is so important it could determine the policy premium is cited for its

Question11: The use of non-medical life insurance accomplishes all of the following EXCEPT

Question12: A worker is entitled to Social Security disability benefits if all of the following are true EXCEPT the

Question13: For Social Security purposes, a person with 40 quarters of coverage is considered

Question14: The guaranteed insurability option provides the ability to

Question15: An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

Question16: The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?

Question17: In insurance terminology, "indemnify" means

Question18: To help keep premiums more affordable, which provision is included in a disability income policy?

Question19: According to the California Insurance Code, an insurance policy must specify all of the following EXCEPT the

Question20: All of the following are requirements of a contract EXCEPT

Question21: Under the hospice care of a long-term care policy, all of the following benefits are available EXCEPT

Question22: Under the PPACA, which medical enrollment tier is 80% actuarial value?

Question23: Which contract provision forgives the payment of all health or disability insurance premiums whilethe insured is disabled?

Question24: All of the following are optional group medical coverages EXCEPT

Question25: Any situation that presents the possibility of a loss is known as

Question26: Why is an injury caused by an accident at an employee's workplace excluded from individual healthinsurance coverage?

Question27: An insured is receiving benefits from a group health plan for a total disability. Which of the following happens if the existing plan is terminated?

Question28: A worker who is credited with 6 quarters of coverage during the last 13-quarter period becomes disabled.
What status does the worker have under the Social Security Disability Program?

Question29: The cost of employer-provided group life insurance above $50,000 is

Question30: In order to be qualified to sell long-term care insurance in the State of California, agents must comply with all of the following EXCEPT

Question31: The primary objectives of insurance regulation include all of the following EXCEPT

Question32: Nearly every life insurer in the United States belongs to the

Question33: Life insurance policy illustrations must include all of the following EXCEPT

Question34: Which group provides information about health-related issues to the elderly in California?

Question35: In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT

Question36: Vision care insurance usually covers all of the following EXCEPT

Question37: According to the California Insurance Code, an "insurance broker" is

Question38: Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), which of the following is a qualifying event?

Question39: A contract of indemnity is one in which

Question40: Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a qualifying event ensures that an employee who loses coverage can

Question41: Which statement about Medicare is NOT correct?

Question42: Which life insurance classification carries the highest premium?

Question43: Every individual annuity policy that is sold to a senior in the State of California MUST include which of the following free look information?

Question44: Which report about an insurance applicant's creditworthiness and personal characteristics may influence eligibility for life and health insurance?

Question45: A commonly used cost containment measure for emergency hospital care under a major medical expense plan is the

Question46: The term for an insurer which has met the conditions required to transact business in the State of California is

Question47: According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

Question48: During the grace period, when may an insurer terminate medical coverage?

Question49: Loss retention is an effective risk management technique when all of the following conditions exist EXCEPT the

Question50: What policy is a savings instrument designed to first accumulate funds and then systematically to liquidate the funds?

Question51: It is considered an unfair method of competition for an agent to advertise that the insurer the agent is appointed with is

Question52: Insurer policy expenses include all of the following EXCEPT

Question53: The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy

Question54: What does the statement "Life insurance creates an immediate estate" mean?

Question55: Which program is designed to provide medical assistance to people with low incomes?

Question56: The type of health care provider that provides both the health care services and the health care coverage is called:

Question57: In long-term care policies, which of the following is an activity of daily living?

Question58: Who submits Medicare Part A claims?

Question59: The most common type of specified disease insurance policy is

Question60: The purchase of an insurance policy may accomplish all of the following for the insured EXCEPT

Question61: Which of the following is a common business use for life insurance?

Question62: Which policy provision protects the insurer against possible adverse selection?

Question63: Insureds are entitled to recover an amount NOT greater than the amount of their loss under the principle of

Question64: Which type of life insurance coverage has both a savings element and a flexible premium option?

Question65: What is the cost of service from the Health Insurance Counseling Advocacy Program (HICAP)?