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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. Medicare Part B pays what percent of approved charges for physician and surgeon services?

A) 65
B) 80
C) 95
D) 50

2. I Long-term care insurance is any insurance policy or rider designed to provide coverage for a MINIMUM benefit period of

A) 5 years.
B) 1 year.
C) 10 years.
D) 2 years.

3. Which of the following policies has a guaranteed interest rate with the possibility to earn an interest rate higher than the guaranteed rate?

A) Credit life.
B) Term insurance.
C) Universal life.
D) Renewable term.

4. The accumulated cash value of a whole life insurance policy becomes the

A) policy loan value upon which the policyowner may borrow.
B) funds used to offset policy administration and conversion expenses
C) amount used to purchase paid up additions to the insured's policy.
D) face amount payable upon the insured's death.

5. An illness or disease which is first diagnosed and treated while the policy is in force is considered

A) an accidental injury.
B) a sickness.
C) a preexisting condition.
D) an exclusion.

Solutions: