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Life and Health Insurance Producer Exam

Long-term care (MS): practice questions

Our Life & Health Insurance bank has 5 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 · Mississippi

When must the outline of coverage be given to a prospective long-term care applicant?

  1. Only on request, and only after the free-look period ends
  2. Within 30 days after the insurer approves the application
  3. With the policy itself, at the time the policy is delivered
  4. At initial solicitation, with any application
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D. At initial solicitation, with any application — 19 Miss. Admin. Code Pt. 3, Ch. 8, Rule 8.06(E)(1).

Question 2 · Mississippi

Before issuing a long-term care policy to an applicant age 80 or older, what must the insurer obtain?

  1. Proof that the applicant does not qualify for Medicaid
  2. An exam, functional assessment, physician's statement or medical records
  3. Nothing beyond the answers on the application
  4. A signed statement from the applicant's adult children
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B. An exam, functional assessment, physician's statement or medical records — 19 Miss. Admin. Code Pt. 3, Ch. 8, Rule 8.09(C)(3).

Question 3 · Mississippi

How may an individual long-term care policy define a preexisting condition, at most?

  1. Any condition the insured has ever been treated for
  2. Advice or treatment within the 6 months before coverage takes effect
  3. Any condition diagnosed during the first year of coverage
  4. Advice or treatment received within the 2 years before the date of the application was signed
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B. Advice or treatment within the 6 months before coverage takes effect — 19 Miss. Admin. Code Pt. 3, Ch. 8, Rule 8.06(B)(1).

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