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Life and Health Insurance Producer Exam

Health insurance basics: practice questions

Our Life & Health Insurance bank has 8 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1

What does an accidental death and dismemberment (AD&D) policy pay?

  1. A refund of premiums if no accident happens
  2. A benefit for accidental death or loss of limbs or sight
  3. A monthly income during recovery from an accident
  4. A benefit for death from any cause, including illness, plus monthly income
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B. A benefit for accidental death or loss of limbs or sight — The principal sum is paid for death; capital sum for dismemberment.

Question 2

What is a 'limited' or 'specified disease' policy?

  1. A policy with an unlimited lifetime maximum benefit for every illness and injury
  2. A policy that covers only named illnesses, such as cancer
  3. A policy that covers only accidental injuries
  4. A policy limited to people under a certain age
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B. A policy that covers only named illnesses, such as cancer — Benefits are limited to the listed conditions.

Question 3

What is dental insurance commonly structured as?

  1. A daily benefit paid while the insured is in hospital
  2. A lifetime benefit paid only for orthodontics
  3. Coverage tiers for preventive, basic and major services, often with different coinsurance
  4. A single benefit for all services with no deductible or limits
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C. Coverage tiers for preventive, basic and major services, often with different coinsurance — Preventive care is often covered at 100%.

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