Free Insurance Licensing PA-Life-Accident-and-Health Exam Dumps Questions & Answers

Long-term care policies may NOT exclude

• A.organic cognitive disorders.
• B.treatment caused by participation in criminal activities.
• C.treatment payable by workers' compensation.
• D.alcoholism and drug addiction.

Which service can NOT be provided in the patient's home through a home health care policy?

• A.banking assistance
• B.nursing care
• C.meal preparation
• D.housekeeping assistance

An applicant purchases a life Insurance policy to avoid the forced sale of assets upon his death. What is this action called?

• A.Capital retention.
• B.Buy-sell funding.
• C.Estate conservation.
• D.Capital liquidation.

What provision allows the insured a period of time in which to review a newly-issued insurance policy and. if dissatisfied for any reason, return it for a full refund of the premium?

• A.probationary period
• B.grace period
• C.elimination period
• D.right to examine

Under long-term care insurance, which of the following MUST an insurer offer to each policyowner at the time of purchase?

• A.Lifetime minimum benefit levels.
• B.An Inflation protection option.
• C.A decrease in annual benefit levels.
• D.Daily minimum benefit levels.