EXAM CA-LIFE-ACCIDENT-AND-HEALTH COURSE | CA-LIFE-ACCIDENT-AND-HEALTH LATEST EXAM QUESTIONS

Exam CA-Life-Accident-and-Health Course | CA-Life-Accident-and-Health Latest Exam Questions

Exam CA-Life-Accident-and-Health Course | CA-Life-Accident-and-Health Latest Exam Questions

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q23-Q28):

NEW QUESTION # 23
After the deductible, what portion does a patient pay for covered expenses under Medicare Part B?

  • A. 80%
  • B. 20%
  • C. 100%
  • D. 50%

Answer: B

Explanation:
After meeting the annual deductible for Medicare Part B, beneficiaries are typically responsible for 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment.
Medicare Part B covers the remaining 80%. This coinsurance amount applies to covered services and is part of the cost-sharing structure of Medicare.References: Medicare.gov information on Medicare Part B coverage and costs.


NEW QUESTION # 24
Which life insurance feature allows an insured to exchange a term policy for a cash value policy?

  • A. Incontestability
  • B. Reentry
  • C. Convertibility
  • D. Renewability

Answer: C

Explanation:
Convertibility Feature: Convertibility is a provision in term life insurance policies that allows the policyholder to convert the term policy into a permanent cash value policy without providing evidence of insurability.
Purpose: This feature is beneficial for those who may want to extend their coverage or build cash value over time.
Policy Details: The conversion option is usually available within a specific period and under certain conditions as specified in the original term policy.
Regulatory Reference: The California Insurance Code provides guidelines on policy features, including convertibility, ensuring consumer protection and clear policy terms.


NEW QUESTION # 25
To help keep premiums more affordable, which provision is included in a disability income policy?

  • A. Elimination period.
  • B. Cost of living rider.
  • C. Automatic increase provision.
  • D. Residual benefits.

Answer: A

Explanation:
Definition of Elimination Period:An elimination period in a disability income policy is the time that must pass after a covered event before the insurer begins to make benefit payments. This period helps to keep premiums more affordable by preventing small or short-term claims.
Other Provisions:Residual benefits (A), cost of living rider (C), and automatic increase provision (D) are additional features that can be included in a policy but typically add to the cost of premiums.
Reference:This is specified in various insurance policy guides and documents provided by the California Department of Insurance.


NEW QUESTION # 26
Health Insurance Counseling and Advocacy Program (HICAP) counselors can do all of the following EXCEPT

  • A. assist in medical record keeping.
  • B. help evaluate policies.
  • C. explain Medicare supplement coverages.
  • D. charge for their services.

Answer: D

Explanation:
The Health Insurance Counseling and Advocacy Program (HICAP) provides free, confidential counseling and assistance to Medicare beneficiaries and their families or caregivers. HICAP counselors can help evaluate policies, assist in medical record keeping, and explain Medicare supplement coverages. However, they are not allowed to charge for their services, ensuring that the support remains accessible to all who need it.References:
California Department of Insurance guidelines on the Health Insurance Counseling and Advocacy Program (HICAP).


NEW QUESTION # 27
Insurance solicitation includes all of the following activities EXCEPT

  • A. publishing a newspaper in which one of the advertisers is an insurance agent.
  • B. recommending other insurance products.
  • C. coverage and rate quotations.
  • D. bulk mailings introducing an agency.

Answer: A

Explanation:
Insurance solicitation encompasses various activities aimed at selling insurance products. According to the California Department of Insurance, solicitation includes providing coverage and rate quotations, bulk mailings introducing an agency, and recommending other insurance products. However, publishing a newspaper in which one of the advertisers is an insurance agent does not directly constitute solicitation because the primary purpose is not the direct promotion or sale of insurance but rather general advertising.


NEW QUESTION # 28
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