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Life and Health Insurance Producer Exam

Long-term care (NE): practice questions

Our Life & Health Insurance bank has 4 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 · Nebraska

May an agent field issue a long-term care policy based on the applicant's medical or health status?

  1. Yes, if the insurer granted the agent underwriting authority
  2. Yes, for applicants under age sixty
  3. Only for group certificates
  4. No
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D. No — Neb. Rev. Stat. 44-4517.01(4).

Question 2 · Nebraska

If a long-term care policy requires an institutional stay before noninstitutional benefits start, how long may that required stay be?

  1. No more than three days
  2. Any length stated in the outline of coverage
  3. No more than ninety days
  4. No more than thirty days
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D. No more than thirty days — Neb. Rev. Stat. 44-4513(7)(b).

Question 3 · Nebraska

After a long-term care policy has been in force for two years, on what grounds may the insurer contest it?

  1. Any material misrepresentation on the application
  2. Any misstatement, whether innocent or not
  3. Only if the insured knowingly and intentionally misrepresented relevant health facts
  4. It can never be contested after delivery
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C. Only if the insured knowingly and intentionally misrepresented relevant health facts — Neb. Rev. Stat. 44-4517.01(3).

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