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1. All of the following are standard exclusions in individual disability income policies EXCEPT
A) active military duty.
B) accidental injuries.
C) preexisting conditions.
D) self-inflicted injuries.
2. Health Insurance Counseling and Advocacy Program (HICAP) counselors can do all of the following EXCEPT
A) help evaluate policies.
B) explain Medicare supplement coverages.
C) charge for their services.
D) assist in medical record keeping.
3. The California Insurance Code requirements regarding the return of life or annuity contracts issued to seniors
A) gives a senior at least 30 days to return specified life and/or annuity contracts for a full refund.
B) defines seniors as someone 55 years of age or older on the date of purchase of the policy.
C) applies to group policies.
D) mandates a 30 day free look for all applicants.
4. California long-term care policies may be identified as any of the following EXCEPT
A) Nursing Facility and Residential Care Facility only.
B) Comprehensive Long-Term Care.
C) Home Care only.
D) Acute Hospital Care only.
5. Under the hospice care of a long-term care policy, all of the following benefits are available EXCEPT
A) pain relief.
B) symptom control.
C) rehabilitation therapy.
D) family counseling.
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: C | Question # 3 Answer: A | Question # 4 Answer: D | Question # 5 Answer: C |
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