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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. Which of the following statements BEST describes a disability elimination period?

A) A benefit or utilization period.
B) A dollar deductible rather than a time deductible.
C) A qualifying period.
D) A time deductible rather than a dollar deductible.

2. 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) grace period
B) probationary period
C) elimination period
D) right to examine

3. A condition in a cash value life insurance policy that allows a policyowner to terminate the policy in return for a reduced paid-up policy of the same type is referred to as

A) an incontestable clause.
B) a grace period.
C) a reinstatement clause.
D) a nonforfeiture provision.

4. The types of life insurance generally used to cover key employee indemnification are

A) joint, permanent and credit life insurance.
B) decreasing term life insurance.
C) universal, term, and whole life Insurance.
D) limited-pay, adjustable, and group life insurance.

5. Which of the following is a branch of dentistry dealing with the replacement of missing parts?

A) Periodontics
B) Endodontics
C) Orthodontics
D) Prosthodontics

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