EMT Practice Test

1. Question Content...

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Question1: The designation of a beneficiary by class in a life insurance policy means that:

Question2: At policy delivery, to ensure that the insured has NOT experienced adverse medical conditions since the time of application for life insurance, the insured may be required to sign a:

Question3: Which is true about ownership of a deferred annuity contract?

Question4: The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

Question5: Preferred provider organizations (PPOs) encourage patients to use specified hospitals by:

Question6: If an insurer pays an individual health insurance claim during a policy's grace period:

Question7: A coordination of benefits provision is included in group health insurance to reduce:

Question8: Since HMOs negotiate provider networks in advance of care, HMO members:

Question9: The injury or damage sustained by the insured is called:

Question10: Immediate annuities are often purchased by people who:

Question11: An agent or insurer who unknowingly violates insurance laws may be charged a maximum penalty of:

Question12: To cancel a health insurance policy, which one of the following must the insured do?

Question13: Coverage under a cancelable health insurance policy may be terminated by:

Question14: A health insurer must generally pay for all of the following types of claims EXCEPT:

Question15: When an HIV test is requested by a health insurer, who signs the consent form?

Question16: All of the following factors influence the underwriting of group health insurance for an association EXCEPT:

Question17: Which of the following terms may NOT be used in the advertisement of Accident and Sickness Insurance?

Question18: All of the following are elements of an insurable risk EXCEPT:

Question19: What type of insurance pays a lump sum benefit if an insured loses sight in both eyes?

Question20: What kind of rider may be added to an individual disability income insurance policy to increase benefits during periods of price inflation?

Question21: An individual currently owns a long-term care policy. At the time of application for similar coverage, which item must be signed by the applicant and retained by the insurer?

Question22: In general practice, which one of the following is true of the powers of the Bureau of Insurance withrespect to access to an agent's business records?

Question23: Which of the following statements is true regarding an insurance agent's license?

Question24: False advertising regarding insurance policies would be found in all of the following EXCEPT:

Question25: An insurer operating in the U.S. but headquartered outside the U.S. is:

Question26: If a patient with a preferred provider organization (PPO) chooses to use a non-PPO provider, the patient usually can expect:

Question27: All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

Question28: All of the following have a restricted ability to enter into a contract EXCEPT:

Question29: A contractual arrangement that transfers exposure from one insurer to another insurer is a:

Question30: Who usually selects the beneficiary of a life insurance policy?

Question31: Keogh plans are also known as:

Question32: What is a condition for which medical advice or treatment was recommended by or received from a provider of health care service within six months preceding the effective date of an individual long-term care policy?

Question33: Which expenses are covered by Medicare Part D?

Question34: If an agent unknowingly violates insurance laws, what is the maximum aggregate penalty for similar violations occurring?

Question35: When a Medicare Supplement policy is purchased during the open enrollment period:

Question36: Nearly all citizens of the U.S.A., regardless of age, are eligible for Medicare Part B if they are:

Question37: If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

Question38: The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:

Question39: Which is an example of an endodontic service?

Question40: All of the following statements about tax-sheltered annuities (TSAs) are true EXCEPT:

Question41: All of the following statements about universal life insurance are true EXCEPT:

Question42: An immediate annuity:

Question43: All of the following are dividend options in life insurance policies EXCEPT:

Question44: In a deferred annuity, which contract feature begins at a high level, often 5%-10%, and then diminishes until it disappears after a specified number of years?

Question45: A qualified plan participant elected a trustee-to-trustee transfer of rollover funds instead of personally receiving the funds and then rolling them over. This election permits the participant to:

Question46: What is the primary role of medical expense and disability insurance?

Question47: On an application for individual health insurance, all of the following are typically included on the agent's report EXCEPT:

Question48: Which policy provision allows an employee to change from group coverage to an individual life insurance policy?

Question49: In addition to the applicant, who signs an application for health insurance?

Question50: A licensee is NOT required by Virginia law to keep which of the following records?

Question51: Disability income insurance policies usually provide coverage for loss of income resulting from:

Question52: If a patient with a preferred provider plan chooses to use a non-preferred provider, the patient usually can expect:

Question53: A health maintenance organization (HMO) must offer emergency health services:

Question54: No existing agent's license will be revoked until:

Question55: Which is true about an adjustable life insurance policy?

Question56: An individual or business entity conducting business under an assumed or fictitious name must notify the Bureau of Insurance either at the time the license application is filed or:

Question57: Which term refers to the period of time from the beginning of confinement to the beginning of benefits under a long-term care insurance policy?

Question58: The interest that an insurance company earns on life insurance premiums paid helps to:

Question59: An agreement attached to a health insurance policy which alters either the terms of the policy or the coverage is called:

Question60: A group health insurance contract is between the:

Question61: An insured with a long-term care (LTC) policy knowingly and intentionally misrepresented relevant facts relating to the insured's health. How long does an insurer have to contest the coverage?

Question62: When an HIV test is requested by a health insurer, who signs the consent form?

Question63: In the solicitation and sale of Medicare Supplement insurance policies, when must an agent deliver the buyer' s guide?

Question64: An IRA owner names the spouse as beneficiary. Which is true if the owner dies before any distributions are made?

Question65: The voluntary act of terminating an insurance contract is called:

Question66: A typical disability income insurance policy EXCLUDES benefits for which one of the following causes of loss?

Question67: One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is: