Life & Health Agent Exam Study Guide 2020
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Questions and Answers

When an applicant reveals conditions that require more information, what is required?

  • Investigative consumer report
  • Agent’s report
  • Physical examination
  • Attending physician’s statement (correct)

    • Which risk classification carries the lowest premium?

  • Substandard
  • Standard
  • Endowed
  • Preferred (correct)

    • During the disability elimination period, what happens?

  • Occupational claims are payable
  • Small claims are payable
  • No benefits are payable (correct)
  • Residual benefits are payable

    • Which statement best describes a life insurance policy dividend?

    <p>It is the distribution of excess of funds accumulated by the insurer on participating policies</p> Signup and view all the answers

    Which of the following statements defines partial disability?

    <p>A disabled employee while he is working part-time and receiving lost income under long-term disability benefit</p> Signup and view all the answers

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