Insurance Licensing NV Accident and Health : InsNV_Health02 exam dump

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Insurance Licensing NV Accident and Health Sample Questions:

1. A policyowner names two children as beneficiaries "per stirpes." If one child dies before the insured but leaves children, how are that deceased child's share and the surviving child's share handled?

A) The deceased child's share passes to the insurer.
B) The estate of the deceased child automatically receives all proceeds.
C) The surviving child receives all proceeds.
D) The deceased child's descendants receive that child's share.

2. For a group health plan subject to the federal waiting-period rule, the waiting period for otherwise eligible employees generally may not exceed:

A) 90 calendar days
B) 180 calendar days
C) 60 calendar days
D) 30 calendar days

3. Which of the following is permitted by a licensee?

A) Lowering the premium by rebating the commission
B) Altering the client ' s application information to lower the premium rate
C) Returning the commission to the client to ensure policy renewal
D) Buying the client a nominal gift at Christmas

4. A consumer wishes to purchase an insurance policy that covers pre-existing illnesses. The consumer contacted the producer who informed the consumer:

A) the consumer ' s pre-existing condition will not stop the consumer from enrolling in a Qualified Health Plan (QHP) on the Exchange
B) there are no out-of-pocket fees for persons with pre-existing conditions
C) there are some health insurance plans that cover pre-existing conditions with a surcharge
D) there are no plans that cover pre-existing conditions

5. According to Nevada law, an authorized insurer is BEST defined as:

A) an insurer with a certificate of authority issued by the National Association of Insurance Commissioners (NAIC)
B) an insurer authorized under a certificate of authority issued by the Governor of Nevada
C) any insurer with minimum assets as required by this state
D) an insurer with a certificate of authority issued by the Insurance Commissioner of Nevada

Solutions: