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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. Vision care insurance usually covers all of the following EXCEPT

A) eye surgery.
B) contact lenses.
C) eye examinations.
D) eyeglass frames.

2. Which policy pays the face amount if the insured survives to the end of a certain period?

A) Universal life insurance.
B) Whole life insurance.
C) Term insurance.
D) Endowment insurance.

3. In medical expense insurance, what serves the same purpose as the elimination period in disability income insurance?

A) Coinsurance.
B) Co-payment.
C) Maximum benefit.
D) Deductible.

4. Which group provides information about health-related issues to the elderly in California?

A) Medicare supplement insurers.
B) The National Health Care Anti-Fraud Association.
C) Long-term care insurance providers.
D) The Health Insurance Counseling and Advocacy Program (HICAP).

5. A situation in which there is a possibility of a loss or a gain is a

A) fundamental risk.
B) speculative risk.
C) pure risk.
D) particular risk.

Solutions: