100% PASS QUIZ 2025 CA-LIFE-ACCIDENT-AND-HEALTH: CA LIFE, ACCIDENT AND HEALTH OR SICKNESS EXAMINATION PERFECT RELIABLE TEST FORUM

100% Pass Quiz 2025 CA-Life-Accident-and-Health: CA Life, Accident and Health or Sickness Examination Perfect Reliable Test Forum

100% Pass Quiz 2025 CA-Life-Accident-and-Health: CA Life, Accident and Health or Sickness Examination Perfect Reliable Test Forum

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q37-Q42):

NEW QUESTION # 37
Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid.
He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?

  • A. Home service policy.
  • B. Decreasing term policy.
  • C. Increasing term policy.
  • D. Level term policy.

Answer: B

Explanation:
Mortgage Protection:A decreasing term policy is designed to provide a death benefit that decreases over time, matching the declining balance of a mortgage. This ensures that if the policyholder dies prematurely, the remaining mortgage balance is covered.
Policy Selection:Level term policy (A) provides a fixed death benefit, home service policy (B) typically refers to small face-value policies for burial expenses, and increasing term policy (C) increases the death benefit over time, making them unsuitable for this specific need.
Reference:These types of policies and their applications are detailed in the California Department of Insurance guidelines on life insurance products.


NEW QUESTION # 38
Which of the following is NOT a characteristic of a contributory group insurance plan?

  • A. The employer pays a portion of the cost.
  • B. The member pays a portion of the cost.
  • C. The policy owner pays all of the cost.
  • D. The member pays all of the cost.

Answer: D

Explanation:
A contributory group insurance plan is characterized by shared payment responsibilities between the employer and the employees. The employer pays a portion of the cost (A), and the members (employees) pay a portion of the cost (B). However, if the member pays all of the cost (D), it would be a non-contributory plan, not a contributory one. A contributory plan, by definition, involves contributions from both the employer and the employees, distinguishing it from non-contributory plans where the employer typically covers all costs.


NEW QUESTION # 39
Medicare Part B pays for

  • A. hospice care.
  • B. the first 60 days of hospitalization.
  • C. prescription drugs.
  • D. physicians' services.

Answer: D

Explanation:
Medicare Part B primarily covers medical services and supplies that are necessary to treat a health condition.
This includes physicians' services, outpatient care, medical supplies, and preventive services. Part B does not cover hospice care (covered by Medicare Part A), prescription drugs (covered by Medicare Part D), or the first
60 days of hospitalization (also covered by Medicare Part A).


NEW QUESTION # 40
Each of the following terms is an important characteristic of a Major Medical policy EXCEPT

  • A. copayments.
  • B. capitation fee.
  • C. coinsurance.
  • D. deductible.

Answer: B

Explanation:
Major Medical Policy Characteristics: Major Medical policies typically include several key components to manage costs and share financial responsibility between the insurer and insured.
Deductible: This is the amount the insured must pay out-of-pocket before the insurance company begins to cover expenses.
Copayments: These are fixed amounts the insured pays for specific services, such as doctor's visits or prescriptions.
Coinsurance: This refers to the percentage of costs the insured must pay after the deductible has been met.
Capitation Fee: This is a payment arrangement in healthcare where a physician or group is paid a set amount for each enrolled person assigned to them, per period of time, regardless of whether that person seeks care. It is not a typical feature of Major Medical policies, which focus on deductibles, copayments, and coinsurance.
References: California Insurance Code Sections 10112.1 and 10112.2 provide details on the structure and characteristics of Major Medical policies.


NEW QUESTION # 41
The term "loss" can be defined as all of the following EXCEPT

  • A. the probability that an event will occur.
  • B. a happening that causes the company to pay.
  • C. the amount suffered by a person regardless of insurance.
  • D. the amount an insurer is required to pay because of an event that it insured.

Answer: A

Explanation:
Definition of "Loss":According to the California Department of Insurance, "loss" is generally defined as a happening that causes the insurer to pay (B), the amount suffered by a person regardless of insurance (C), and the amount an insurer is required to pay because of an event that it insured (D).
Incorrect Definition:The term "loss" does not refer to the probability that an event will occur (A).
Probability is related to the likelihood of a risk happening, not the actual loss itself.
Reference:This interpretation aligns with standard insurance terminology and definitions as outlined by the California Department of Insurance.


NEW QUESTION # 42
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