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Question 1

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

Options :

A : Residual benefits.

B : Elimination period.

C : Cost of living rider.

D : Automatic increase provision.

Answer: B

Question 2

Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid. He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?

Options :

A : Level term policy.

B : Home service policy.

C : Increasing term policy.

D : Decreasing term policy.

Answer: D

Question 3

Which group provides information about health-related issues to the elderly in California?

Options :

A : Medicare supplement insurers.

B :

Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Question 4

The total premium paid by a life policy owner for one policy year is

Options :

A : the same regardless of the frequency of payment.

B : less when paid quarterly than if paid semiannually.

C : greater if the premium is paid semiannually rather than annually.

D :

based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.

Answer: C

Question 5

The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?

Options :

A : One month.

B : Three months.

C : Five months.

D : Seven months.

Answer: D