FLORIDA LIFE AND HEALTH INSURANCE SPOT ON EXAM SOLUTIONS COMPLETE STUDY QUESTIONS AND VERIFIED ANSWERS GUARANTEED PASS | RATED A+

FLORIDA LIFE AND HEALTH INSURANCE SPOT ON EXAM SOLUTIONS COMPLETE STUDY QUESTIONS AND VERIFIED ANSWERS GUARANTEED PASS | RATED A+
when an individual is planning to protect his family with life insurance, one method of doing so is called
needs analysis. What exactly does needs analysis involve? - correct answer ✔✔takes into account the
present value of future income earned by the breadwinner
M's insurance company denied a reinstatement application for her lapsed health insurance policy. The
company did not notify M of this denial. How many days from the reinstatement application date does
the insurance company have to notify M of the denial before the policy will be automatically placed
back in force? - correct answer ✔✔45 days
A disability income policy owner recently submitted a claim for a chronic neck problem that has now
resulted in total disability. The original neck injury occurred before the application was taken 5 years
prior. The neck injury was never disclosed to the insurer at the time of the application. How will the
insurer handle this claim? - correct answer ✔✔claim will be paid and coverage will remain in force
Individual Medicare Supplement policies must allow an insured a MINIMUM of how many days after
policy delivery to return the policy and receive a refund of premium? - correct answer ✔✔30 days
What kind of life insurance policy pays a specified monthly income to a beneficiary for 30 years and then
pays a lump sum benefit at the end of that 30 years? - correct answer ✔✔family maintenance policy
What type of rider would be added to an Accident and Health policy if the policyowner wants to ensure
the policy will continue if he/she ever becomes totally disabled? - correct answer ✔✔waiver of premium
rider
Which of the following is a standard provision of the conversion privileges in a Group Life Policy? -
correct answer ✔✔Group Life coverage can be converted to an individual policy at regular rates on an
attained-age basis
An individual covered under a Group Life insurance policy is considered to be... - correct answer ✔✔A
certificate holder
Group/voluntary long-term care policy premiums are typically deducted from the employee's income
and - correct answer ✔✔are less costly as compared to individual long-term care coverage
All of these statements about the Waiver of Premium provision are correct EXCEPT - correct answer
✔✔insured must be eligible for social security disability for claim to be accepted
which of these types of coverage is best described as a short term medical policy? - correct answer
✔✔interim coverage

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