Accident & Health Concepts Practice Questions — Page 2 of 2

61 free accident & health concepts questions for the California Life & Health insurance license exam. Pick any question — answer it and get the full 3-part explanation, no signup required.

1. 12.How are disability income benefits taxed when the employer paid the entire premium?
   Difficulty 2/5
2. 13.Which of the following is a component in the pricing of disability income insurance rates?
   Difficulty 2/5
3. 14.Which of the following correctly describes the levels of care covered by long-term care insurance?
   Difficulty 1/5
4. 15.Under most long-term care policies, benefits become payable when the insured:
   Difficulty 1/5
5. 16.Regarding long-term care insurance, what does guaranteed renewability mean?
   Difficulty 2/5
6. 17.For an individual accident and health policy, when must the insured have an insurable interest?
   Difficulty 1/5
7. 18.How does disability income underwriting address adverse selection?
   Difficulty 2/5
8. 19.How does a contributory group health plan differ from a noncontributory group plan?
   Difficulty 1/5
9. 20.Under the Affordable Care Act, what does guaranteed issue mean for individual health coverage?
   Difficulty 2/5
10. 21.A tax-qualified long-term care policy under IRC Section 7702B provides which federal tax treatment?
    Difficulty 2/5
11. 22.To be eligible to open and contribute to a Health Savings Account (HSA), an individual must generally be co…
    Difficulty 2/5