Summer Sale Special 65% Discount Offer - Ends in 0d 00h 00m 00s - Coupon code: ex2p65

Exact2Pass Menu

CA Life, Accident and Health or Sickness Examination

Last Update 22 hours ago Total Questions : 155

The CA Life, Accident and Health or Sickness Examination content is now fully updated, with all current exam questions added 22 hours ago. Deciding to include CA-Life-Accident-and-Health practice exam questions in your study plan goes far beyond basic test preparation.

You'll find that our CA-Life-Accident-and-Health exam questions frequently feature detailed scenarios and practical problem-solving exercises that directly mirror industry challenges. Engaging with these CA-Life-Accident-and-Health sample sets allows you to effectively manage your time and pace yourself, giving you the ability to finish any CA Life, Accident and Health or Sickness Examination practice test comfortably within the allotted time.

Question # 4

The total premium paid by a life policy owner for one policy year is

A.

the same regardless of the frequency of payment.

B.

less when paid quarterly than if paid semiannually.

C.

greater if the premium is paid semiannually rather than annually.

D.

based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.

Question # 5

Which life insurance feature allows an insured to exchange a term policy for a cash value policy?

A.

Convertibility

B.

Incontestability

C.

Reentry

D.

Renewability

Question # 6

All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT

A.

Members pay fixed monthly fees to the HMO.

B.

Members receive care from providers in the HMO network.

C.

Out-of-pocket expenses are limited as long as the network is utilized.

D.

Members pay higher monthly fees when out-of-network providers are utilized.

Question # 7

All of the following qualify as "background information" as defined in Section 1729.2 of the California Insurance Code, EXCEPT

A.

misdemeanor charges filed, not resulting in a conviction.

B.

an administrative action regarding a professional or occupational license.

C.

a misdemeanor or felony conviction or a filing of felony criminal charges in state or federal court.

D.

any admission, or judicial finding or determination, of fraud, misappropriation or conversion of funds, misrepresentation, or breach of fiduciary duty.

Question # 8

A method of selling insurance by using mass media advertising is known as

A.

direct response.

B.

direct writer.

C.

telemarketing.

D.

syndication.

Question # 9

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

A.

a reduction of uncertainty.

B.

the elimination of the risk.

C.

a replacement of a large possible loss by a "smaller certain loss".

D.

a reduction in worry/greater peace of mind.

Question # 10

In health insurance the coinsurance is

A.

a percentage of the cost for covered expenses paid by more than one insurer.

B.

a portion of the premium paid by the insured and insurer for each covered service.

C.

a payment shared by the insured and provider of covered service minus the deductible.

D.

a percentage paid for covered expenses by the insured and insurer after the deductible is satisfied.

Go to page: