Lousisana resident who are uninsurable may obtain health coverage through the

which of the following statements is NOT true regarding a Critical Illness plan

Which of the following would be valid reason why a policy premium would be higher than the standard premium

The difference between pre-certification and concurrent review is that pre certification

what amount will be paid under a policy where the insured misstated his/her age

An insurance producer is often response for field underwriting during the application process all of these are possible field underwriting roles EXCEPT

Which type of life insurance policy pays the face amount at the end of the specified period if the insured is still alive?

Maria the producer would like to advertise an annuity product on a highway billboard. which of the following must be included in the advertisement?

Someone needing custodial care at home would require which type of coverage

An insurer has___ days to file a notice of appointment to the commissionerv

Maria would like an annuity that provides a guaranteed accumulation or payout. the type of annuity she is seeking is called

Of the following divdend option which of these taxable

A rider that assures premiums will be paid on juvenile policy until the child reaches a specific age is called

An example of an unfair claim settlement practice is

Terminally ill life insurance policyowner may sell their policy at a discount to a third party. this type of agreement is called

when an insured changed to a more hazardous occupation, which disability policy provision allows an insurer to adjust policy benefits and rates

How soon can the benefit payment begins with a deferred annuity

Who assumes the investment risk with a fixed annuity contract

Written notice for a health claim must be given to the insuer______ days after the occurrence of the loss

How often must an insurance producer’s license in Louisiana be renewed

A professional liability for which producers can be used for mistakes of putting a policy into effect is called

Which of the following is NOT included under a heath benefit plan ?

All of the following are considered appropriate uses of life insurance of business purposes EXCEPT

Kiara filled out a life insurance application and was given a policy illustration that showed future premiums being paid out of nonguaranteed value. this illustration MUST disclose that

The Louisiana Life and Health Insurance Guaranty Association

A viatical settlement broker may NOT

Which of the following is considered to be an alternative to a life settlement

The waiver of premium does NOT include which provision

The election of COBRA for continuation of health coverage will

Which of the following decisions would a Health Savings Account (HSA) owner NOT be able to make ?

Which type of life insurance is normally associated with a Payor Benefit rider?

A life insurance company has transferred some of its risk to another insurer. the insurer assuming the risk is called the

Which of these NOT a characteristics of the Accelerated Death Benefit option

A securities license is required for a life insurance producer to sell

Which type of annuity guarantee a stated number of income payment whether or not the annuitant is still alive to receive them

All of the following are considered to be fraud EXCEPT

an employer may qualify for health care tax credits through SHOP Marketplace if that employer has fewer than how many employees?

Upon receipt of proof of loss, an insurer MUST pay a life insurance death benefit claim

Which type of long term care benefit would be most appropriate for stroke victim who requires speech therapy administered at her home

Which of these factors is NOT taken into consideration when determining the cost of long term care policy ?

Karen the producer pays for her clients initial premium payment as an incentive for purchase. this act is considered

Lisa has recently bought a fixed annuity. Which of these is considered to be a disadvantage of owning this type of annuity?

if a health policy is reinstated after it had lapsed for nonpayment, there is a waiting period of______ days before a claim covering sickness wil be covered

respite care is able to provide

a licensed producer MUST be _________ by an insurer to be eligible for soliciting insurance contracts

A Renewable Term Life insurance policy can be renewed

which type of rider will waive the premium on a child’s life insurance policy if the parent paying the premium dies?

A health insurance policy that allows an insurer to change the policy owner's premiums, but NOT cancel the policy is called

A non contributory health insurance plan helps the insurer avoid

All of the following are core benefits of Medicare Supplement plan A Except

The time limit for filing claims disputes is address in which provision of an accident and health policy?

Kristi purchases an annuity that will pay her husband an income for 15 years. if he dies, this income will become payable to their children for the remainder of the period. Kristi has what kindof annuity ?

in Louisiana legal action can be taken for up to _____ years against an insurer for failure to pay health insurance claims after proof of loss was submitted

What is involved when a life insurance policy has been backdated

An insurer has the right to recover a payment made to the insured from the negligent party these rights are called

Which of the following actions by a producer would NOT result in a license suspension or revocation ?

Tom has a rider on his disability income policy that guarantees the right to increase his benefits without a medical exam. what kind of rider is this?

A producer who sells most of his insurance policies to family members is said to engage in

The difference between a Long Term Care Partnership plan & Nonpartnership plan is which if the following

A medicare supplement basic benefit is

An insured status under social security can be described as

In what part of an insurance policy are policy benefits found

An attending physician statement would be appropriate for which life insurance purpose

Long term care policies sold in Louisiana may NOT exclude coverage for

The automatic premium loan provision authorize an insurer to withdraw from a policy cash value the amount of

Without a section 125 plan in place what would happened to an employee payroll contribution to an HSA