Life And Health Practice Exam With Complete Solutions

A policyowner suffers an injury that renders him incapable of performing one or more important job duties. Any decrease in income resulting from this injury would make him eligible for benefits under which provision? Partial disability Nondisabling injury Presumptive disability Flat amount disability {Ans: Partial disability In this situation, the policyowner would be eligible for benefits under a partial disability provision.}Bill requires some nursing care and supervision but NOT full-time care. Which of these nursing home options would best serve him? Nursing home Assisted living Congregate housing Custodial residence {Ans: Assisted living An assisted living facility would best suit an individual who needs some nursing care and supervision but not full-time care.}All of the following are required uniform provisions in individual health insurance policies EXCEPT Change of occupation Grace period Entire contract Reinstatement {Ans: Change of occupation An insured's change of occupation is not a required uniform provision in individual health insurance policies.}Making or publishing any oral or written statement that is FALSE or maliciously critical of the financial condition of an insurer, and is calculated to injure any person engaged in the business of insurance is known as coercion defamation twisting misrepresentation {Ans: defamation Making