NV Accident and Health - InsNV_Health02 Exam Practice Test

Question 1

The Nevada Life and Health Insurance Guaranty Association becomes involved in an insurance company ' s affairs when the company:

A. becomes insolvent

B. withdraws as an Association member

C. enters a lawsuit against a claimant

D. denies a claim

Correct Answer: A

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Question 2

In Nevada, a producer or examining physician who knowingly and willfully makes a false statement on an application for insurance may be guilty of:

A. twisting

B. misrepresentation

C. fraud

D. coercion

Correct Answer: C

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Question 3

Under the Affordable Care Act (ACA), for a woman 40 years or older, mammograms are:

A. not covered under the rules of ACA because mammograms are not considered preventative health care

B. not covered if a family member has been formally diagnosed with breast cancer

C. covered under only health plans that offer mammogram coverage

D. covered under preventative services annually at no cost

Correct Answer: D

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Question 4

An employee's group life coverage terminates because employment ends. During the applicable conversion period, the former employee dies before applying for an individual policy. What protection does Nevada group-life law provide?

A. No benefit is payable because the employee did not submit an application.

B. The employer must personally pay the former employee's beneficiary.

C. Only any accumulated cash value is payable.

D. The amount that could have been converted is payable under the group policy.

Correct Answer: D

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Question 5

In a contributory group health insurance plan, which statement is correct?

A. The employer pays the entire premium.

B. Only executives may enroll.

C. Employees contribute part of the premium and participation requirements commonly apply.

D. No enrollment forms are necessary.

Correct Answer: C

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Question 6

Which premium-payment mode usually results in the lowest total annual premium cost for the policyowner?

A. Monthly

B. Quarterly

C. Semiannual

D. Annual

Correct Answer: D

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Insurance Licensing NV Accident and Health - InsNV_Health02 Exam Practice Test

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