Kentucky Health Insurance Exam | Study Questions and Verified ANSWERs| 100 % Correct| Grade A (New Update)

Kentucky Health Insurance Exam | Study Questions and Verified ANSWERs| 100 % Correct| Grade A (New Update)

Question: The full premium was submitted with the application
for life insurance, and the policy was issued two weeks later as
requested. When does the policy become effective?
Options: A. As of the application date, B. As of the policy
delivery date, C. As of the first of the month after the policy
issue date, D. As of the policy issue date
ANSWER: A. As of the application date [Note: When full
premium is paid with the application, coverage typically begins
on the application date, contingent on approval.]
Question: All of the following are true about group disability
income insurance EXCEPT:
Options: A. The waiting period starts at the onset of the injury or
sickness, B. The longer the waiting period, the lower the
premium, C. Coverage applies both on and off the job, D.
Benefits are usually short term
ANSWER: C. Coverage applies both on and off the job [Note:
Group disability insurance typically covers nonoccupational
injuries/illnesses, not those covered by workers’ compensation.]

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