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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
1. According to the California Insurance Code, all of the following Long-Term Care (LTC) insurance sales are considered unnecessary EXCEPT
A) two additional LTC policies that equal the combined benefits on an existing one.
B) an additional LTC policy to an insured who already has two LTC policies.
C) a replacement LTC policy with fewer benefits and a higher premium.
D) a replacement LTC policy with equal benefits for a lower premium.
2. According to the Employee Retirement Income Security Act of 1974 (ERISA) fiduciary standards, benefit plans are operated for
A) plan sponsors and beneficiaries.
B) plan participants and beneficiaries.
C) plan employees.
D) plan sponsors and employees.
3. As defined by the California Code of Regulations, a person who asserts a right of recovery under an insurance policy is called the
A) underinsured.
B) claimant.
C) beneficiary.
D) injured.
4. Which group provides information about health-related issues to the elderly in California?
A) Long-term care insurance providers.
B) Medicare supplement insurers.
C) The Health Insurance Counseling and Advocacy Program (HICAP).
D) The National Health Care Anti-Fraud Association.
5. In long-term care policies, which of the following is an activity of daily living?
A) Driving
B) Bathing
C) Working
D) Breathing
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: B | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: B |






