[2026] Insurance Licensing Pennsylvania Life, Accident and Health - PA-Life-Accident-and-Health 무료 시험 문제

문제1

She has a $200,000 whole life policy with a $50,000 cash value. She wishes to borrow $30,000 for the purchase of a new van. Which of the following is TRUE in this situation?

A. This type of loan is interest free.

B. Loans can only be taken for hardship situations.

C. If the loan is not repaid, the net death will be reduced

D. Whole life policies do not have any loan provisions.

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제2

Which of the following best describes how insurers predict the chance of loss?

A. the law of large numbers

B. insurable interest

C. average disability occurrences

D. current census table

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제3

All of the following statements apply to the child coverage in a family policy EXCEPT

A. coverage applies only to children born before the policy is issued.

B. child coverage is convertible to whole life coverage.

C. children are covered until reaching a specified age.

D. child coverage is term insurance.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제4

The Pennsylvania Insurance Department has both the right and the duty to complete which task in regards to licensed insurers?

A. modify statute law to accompany contract conditions

B. provide financial rehabilitation

C. modify Insurance contract conditions

D. make periodic financial audits and market conduct examinations

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제5

Which is NOT a characteristic of a major medical expense policy?

A. Elimination periods

B. Deductibles

C. Stop loss limits

D. Coinsurance

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제6

When selling an insurance policy in Pennsylvania, the producer must do all of the following EXCEPT

A. submit premiums within the normal course of business.

B. provide a notice of information practices to applicants.

C. emphasize the benefits of the Guaranty Association.

D. protect any non-public or personal information about the applicant

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제7

An Insurance licensee must do all of the following in order to renew an insurance license EXCEPT

A. pay the required renewal fee.

B. hold active insurer appointment(s).

C. complete the continuing education requirements, if applicable.

D. submit to the department a completed renewal form.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제8

Which one of the following type of calls is NOT exempt from the Do-Not-Call Registry?

A. calls on behalf of political organizations.

B. telephone surveys.

C. calls from charities.

D. insurance sales calls.

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제9

An Insurer, in general business practice, fails to promptly provide a reasonable explanation for the denial of a claim. This is considered to be

A. an unfair claim settlement practice.

B. a fraudulent insurance act.

C. a contractual liability.

D. a violation of the grace period provision.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제10

If an insured policyowner has a catastrophic or life threatening illness, how much money is the policyowner entitled to get from his or her viatical settlement provider?

A. one and one eighth times the face value of the life insurance policy

B. less than the face value of the life insurance policy

C. the face value of the life insurance policy

D. one and a half times the face value of the life Insurance policy

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제11

All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT

A. Members pay higher monthly fees when out-of-network providers are utilized.

B. Members receive care from providers in the HMO network.

C. Members pay fixed monthly fees to the HMO.

D. Out-of-pocket expenses are limited as long as the network is utilized.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제12

An annuitant dies during the accumulation period. What happens to the cash in the annuity?

A. it is paid to the beneficiary

B. it is paid into the estate

C. it is paid to the IRS

D. the company keeps it

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제13

Pennsylvania law requires all persons holding a resident producer license to notify the Insurance Department of a telephone number change within how many days?

A. 45

B. 30

C. 15

D. 60

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제14

Under traditional fixed annuity contracts, the party who assumes the investment risk is the

A. annuitant.

B. beneficiary.

C. insurer.

D. contract owner

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제15

Under the exclusion clause, which is a scenario that would NOT be covered if death resulted?

A. Army officer killed in the line of duty

B. A spectator at an auto race

C. A fare-paying passenger in a regularly-scheduled airline

D. Commercial pilot or crew member

정답: D

설명: (Fast2test 회원만 볼 수 있음)

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