Indiana State Life, Health and Accident Insurance License

226 Responses | Created by LindsayNicole04x |
  1. 1

    Which of the folliwng retirement plans was developed primarily for self-employed businesses?

  2. 2

    A top heavy plan may be less intrusive by using the contribution rule in the amount of which of the following

  3. 3

    HIPAA was designed for which of the following reasons?

  4. 4

    What is the name of the physician who monitors an HMO subscriber's health care needs, and also makes referrals to specialists?

  5. 5

    An insured who utilizes a physician other than the plans primary physician can expect what percentage of the health care recieved to be paid by his/her HMO?

  6. 6

    Disability benefit payments are computed on present income levels and pay what percentage of that income?

  7. 7

    All of the following may be medical expense exclusions except:

  8. 8

    Endodontics care covers services such as

  9. 9

    How long is the free look provision on LTC and Medicare Supplement contracts?

  10. 10

    If the employer is the beneficiary named on a Key Person Disability Income policy, are the premiums tax deductible as a business expense?

  11. 11

    The health care benefits received by an employer, employee or a business owner are not considered taxable income by the IRS

  12. 12

    Who must sign the application, in addition to the applicant?

  13. 13

    Is it the agent's responsibility to put more emphasis on the insurer's more profitable policies?

  14. 14

    All of the following are agent authorities and ppowers, execpt;

  15. 15

    When comparing genger, which has the highest mortality rate

  16. 16

    May an insurance producer use his/ her insurer's membership in the Indiana Life and Health Insurance Guaranty Association as a basis for his/her solicitation or sale of life or health insurance?

  17. 17

    The accelerated benefits provision becomes effective for accidents on the effective date of the policy or rider.

  18. 18

    A surviving spouse will receive an income for how long with a joint and survivor annuity?

  19. 19

    A policy loan may be taken out on a life insurance policy if

  20. 20

    Which of the following is a correct description of the elimination period of a disability policy?

  21. 21

    Each of the following are correct and possible descriptions of total disability , except;

  22. 22

    Regulation of the insurance industry is the responsibility of the

  23. 23

    In order for a policy owner to recieve a policy divident she must own a policy issued by a

  24. 24

    An insurer which operates in this state and is incorporated in this state is considered to be a

  25. 25

    When a policyowner receives a divident resulting from a return of premiums unused, she must own a policy issued by which kind of insurer?

  26. 26

    If a lender refuses to extend a loan unless the applicant also purchases insurance, this is considered to be:

  27. 27

    When an authorized insurance company receives a claim from a covered insured the must complete the investigation of the claim

  28. 28

    Insurance trade practices are regulated by whom?

  29. 29

    If a producer makes untrue statements upon an application, it is considered to be a(n):

  30. 30

    The insurance laws in this state prohibit all of these acts except:

  31. 31

    Which of the following is false concerning term life insurance?

  32. 32

    Which of the following is a type of a Buy-Sell Aggreement funded by life insurance?

  33. 33

    A child named as the contingent beneficiary who survies his/her parents should have been appointed all of the following, except:

  34. 34

    An occupation that is considered hazardous could be listed as which of the following

  35. 35

    The waver of premium rider normally has an elimination period for which of the following time periods?

  36. 36

    Couples normally purchase the Joint and Survivors policy because of their extate tax concerns

  37. 37

    The Viatical Trust Agreement is used in retirement planning by Home Service Insurers

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