Combination plans are comprised of two types of plan features: basic and
Combination plans are comprised of two types of plan features: basic and A. Expanded B. Limited C. Comprehensive D. Scheduled Answer: C. Comprehensive
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Showing posts with the label Dental Insurance
Which of the following is excluded in a dental insurance plan?
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Julie must have orthodontic work performed on her incisors. Which type of service would this be called, under a nonscheduled plan?
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Which of the following would be considered a routine procedure?
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Which type of dental treatment involves the replacement of natural teeth with artificial devices?
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Which type of dental treatment addresses the supporting tissue of teeth?
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All of the following statements are true of a Combination Dental Plan EXCEPT
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All of the following statements are true of a Combination Dental Plan EXCEPT A. It is basically a combination of a scheduled and nonscheduled dental plan B. It covers diagnostic and preventive care on the usual, customary, and reasonable basis C. It uses a fee schedule for other dental services D. It is also known as the Superimposed Plan Answer: D. it is also known as the Superimposed Plan
The type of dental plan which is incorporated into a major medical expense is a/an
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A dental plan that provides coverage based upon a specified maximum scheduled amount for each procedure and pays on a 'first dollar' basis with no deductible or coinsurance is a
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A dental plan that provides coverage based upon a specified maximum scheduled amount for each procedure and pays on a 'first dollar' basis with no deductible or coinsurance is a A. Comprehensive plan B. Nonscheduled plan C. Basic or scheduled plan D. Combination plan Answer: C. Basic or scheduled plan
Under a nonscheduled plan, what portion of the balance could an insured expect to pay for basic services?
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Which type of dental care services would cover the costs of extraction of wisdom teeth?
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In order to minimize adverse selection, employer group dental plans may require employees who enroll after they were initially eligible to participate to do all of the following EXCEPT
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In order to minimize adverse selection, employer group dental plans may require employees who enroll after they were initially eligible to participate to do all of the following EXCEPT A. Reduce benefits for a period such as one year B. Increase benefits for a period of one year C. Submit evidence of insurability D. Satisfy a longer probationary period Answer: B. Increase benefits for a period of one year
A child is being fitted for braces. Which type of dental care is this?
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Under which plan does preventative dental treatment not apply toward the deductible?
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Which type of care re-establishes functional use to natural teeth?
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All of the following are usually provided under an employer group dental insurance plan EXCEPT
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All of the following are usually provided under an employer group dental insurance plan EXCEPT A. Preventative care for up to two visits per year B. The dental plan is typically written in conjunction with group health insurance C. The dental plan places limits on such procedures as braces and appliances D. Coverage for cosmetic surgery Answer: D. Coverage for cosmetic surgery
Which clause allows both the insured and dentist to know in advance which benefits will be paid?
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An insured is scheduled to have two cavities filled. He knows in advance what benefits will be paid for the procedure. Which clause is responsible for the advance notification?
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Which type of dental care would cover operative treatment of the mouth?
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Which of the following is not covered under a dental insurance plan?
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Insurance Questions
- All of the following are general requirements of a qualified plan EXCEPT
- Which of the following terms best describe the coverage provided by term policies, as compared to any other form of protection?
- All of the following are considered limited lines of authority EXCEPT
- What is the other term for the cash payment settlement option?
- The pro rata liability clause is designed to protect the principle of
- What does the Group Life underwriting risk selection process help protect insurance companies from?
- All of the following are factors that an underwriter could use to select and classify risk EXCEPT
- All of these statements concerning whole life insurance are false EXCEPT
- All of the following statements concerning the use of life insurance as an Executive Bonus are correct EXCEPT
- All of the following could own group life insurance EXCEPT
- Fixed annuities provide each of the following EXCEPT
- What is the purpose of establishing the target premium for a universal life policy?
- A domestic insurer issuing variable contracts must establish one or more
- All of the following statements concerning the use of life insurance as an Executive Bonus are correct EXCEPT
- All of these statements about the Waiver of Premium provision are correct EXCEPT
- Which of the following best defines target premium in a universal life policy?
- What does the word "level" in Level Term describe?
- A beneficiary change can occur
- No existing agent's license will be revoked until
- Which of the following statements about aleatory contracts is NOT true?
- A type of group that has a constitution and bylaws and has been organized for purposes other than obtaining insurance is called a(n)
- The minimum interest rate on an equity indexed annuity is often based on
- Under an extended term nonforfeiture option, the policy cash value is converted to
- Which type of life insurance policy generates immediate cash value?
- What rule is used to determine the importance of a representation?
- Which of the following is NOT the purpose of HIPAA?
- The pro rata liability clause is designed to protect the principle of
- The two major actions required for a policyholder to comply with the Reinstatement Clause are
- Life insurance policies will normally pay for losses arising from
- Which of the following statements regarding the taxation of Modified Endowment Contracts is FALSE
- Ambiguities in an insurance policy are always resolved in favor of the
- In an insurance contract, the applicant's "consideration" is the
- Agents may be found guilty of defamation if they make a false statement that is intended to?
- How many pair of glasses in a 12-month period will a vision expense insurance plan cover?
- The voluntary relinquishment of a legal right is called
- What documentation grants express authority to an agent?
- An error was made on Mary's life insurance application. Which of the following areas are errors commonly made on applications for which the incontestable clause does NOT apply?
- All of the following statements are true regarding installments for a fixed amount EXCEPT
- Fraternal Benefit Society has each of the following characteristics EXCEPT
- Which contract element is insurable interest a component of?
- Which nonforfeiture option provides coverage for the longest period of time?
- Agents who persuade insureds to cancel a policy in favor of another one when it might not be in the insured's best interest are guilty of:
- A securities license is required for a life insurance producer to sell
- Which of the following statements about accumulated interest earned on dividends from an insurance policy is TRUE?
- All of the following statements are correct regarding Credit Life Insurace EXCEPT:
- All of the following are true regarding a decreasing term policy EXCEPT
- Purchasing a life insurance policy in order to avoid the forced sale of assets upon death is called
- Health insurance will typically cover which of the following perils?
- Simon has purchased a fixed immediate annuity. His payment amount will be dependent upon principal, interest, and the contract's
- Insurable interest does NOT occur in which of the following relationships?
- Which of these is a method of determining the level of funds required for ongoing support in the event of the breadwinner's death?
- The authority granted to a licensed producer is provided via the
- All of the following are examples of a Business Continuation Plan EXCEPT
- Which of these would be the best example of a limited pay life insurance policy?
- All of the following entities regulate variable life policies EXCEPT
- The pro rata liability clause is designed to protect the principle of
- When the principal gives the agent authority in writing, it's referred to as
- What is the benefit of choosing extended term as a nonforfeiture option?
- All of the following are TRUE regarding the convertibility option under a term life insurance policy EXCEPT
- All of the following statements concerning dividends are true EXCEPT:
- All of the following are true regarding rebates EXCEPT
- Which of the following is NOT a characteristic of an insurable risk?
- All of the following are elements of an insurance policy EXCEPT
- What would be an expense factor in an insurance program?
- All of the following are true of key person insurance EXCEPT
- Which of the following statements concerning a Simplified Employee Pension plan (SEP) is INCORRECT?
- All of the following statements are true regarding tax-qualified annuities EXCEPT
- Which of the following is true regarding a market value adjusted annuity?
- Which of the following statements is NOT true regarding a personal umbrella liability policy?
- Items stipulated in the contract that the insurer will not provide coverage for are found in the
- All of the following would be different between qualified and nonqualified retirement plans EXCEPT
- The paid-up addition option uses the dividend
- A Universal Life insurance policy has two types of interest rates that are called
- Which of the following statements about group life is correct?
- The paid-up addition option uses the dividend
- Another name for a substandard risk classification is
- Circulating deceptive sales material to the public is what type of Unfair Trade Practice?
- A tornado that destroys property would be an example of which of the following?
- The requirement that agents not commingle insurance monies with their own funds is known as
- Who is responsible for assembling the policy forms for insureds?
- Life income joint and survivor settlement option guarantees
- What is the other term for the cash payment settlement option?
- Which of the following is NOT true regarding the accumulation period of an annuity?
- Which of the following is NOT true regarding a Certificate of Authority?
- Which of the following is NOT an example of utilization review?
- The requirement that agents not commingle insurance monies with their own funds is known as
- An individual purchased a $100,000 Joint Life policy on himself and wife. Eight years later, he died in an automobile accident. How much will his wife receive from the policy?
- What is the purpose of establishing the target premium for a universal life policy?
- What is the other term for the cash payment settlement option?
- Circulating deceptive sales material to the public is what type of Unfair Trade Practice?
- Insurance represents the process of risk
- All of these are valid options for an Adjustable Life Policy EXCEPT
- What is the purpose of establishing the target premium for a universal life policy?
- Which of the following is NOT true regarding the accumulation period of an annuity?
- Group health plans may deny participation based upon the
- In insurance, an offer is usually made when
- Which of the following is true regarding a market value adjusted annuity?
- What is the other term for the cash payment settlement option?
- What documentation grants express authority to an agent?