All of the following is information that is reasonably appropriate to determine the suitability of an annuity recommendation EXCEPT
Level of education
Which plan offers coverage for nursing home (custodial) care without requiring any previous period of hospitalization?
AHCCCS (Arizona Health Care Cost Containment System)
Under Arizona workers' compensation laws, which of following situations would be excluded from disability benefits?
Intentional self-inflicted injuries at the workplace
An annuity becomes incontestable after I has been in force for .
2 Years
Jerry has an indemnity plan which covers dental expenses. Typically, these type of plans
Cover preventative care once every six months.
In Arizona, an insurer providing small employer group medical plans may discontinue an employer's coverage if
The insurer no longer offers the plan to any employer
Under Federal Law, which if the following actions may result in a producer becoming imprisoned?
Producer embezzling funds from an insurer
The period during which a buyer may return a fixed annuity contract for a full refund is called the?
Free look period
Unless it is regarding fraud, which of the following statements about the contestability of a life insurance plan is true?
The policy can usually only be contested by the insurer during the first two years of the contract.
Claim settlements practices of insurers are regulated by?
State insurance departments
Proceeds of a life settlement contract could be subject to the claims of?
Creditors
Under the Fair Credit Reporting Act, which statement is true?
The consumer who was investigated must be advised that credit, insurance, or employment was denied because of an unfavorable report.
An accident and health insurance policy covers the insured, the insured's spouse, and their child. If additional children are born to the family's the accident and health insurance policy must cover the children?
From the date of birth.
Under which marketing system do insurers solicit customers by mass media advertising and mail without the service of an agent?
Direct Response
In regards to the Affordable Care Act (ACA), which bid these is NOT a role of the health insurance exchange?
Contact the employer if an employee stops coverage under a plan offered in the exchange.
A terminated employee has how many days upon termination to convey group life insurance coverage to an individual policy
31 Days
False advertising of an insurance policy is considered?
Misrepresentation
All of the following may obtain a temporary's producer's license EXCEPT?
An employee of a licensed producer who is retired.
If a group endorsed an accident and health insurance product in an advertisement, the public must be made aware of?
Any control by the insurer over the group
The refusal of doing business with an individual or business is called?
Boycott
The administrator of a reciprocal insurer who manages the premiums collected from the group's members Is called?
An attorney in fact
Under the Telemarketing Sales Rule, telemarketing calls may NOT be received until?
8:00AM
Individual health insurance policies must cover mentally and physically handicapped dependent children?
Until they become self-supportive
A while life policy that provides a choice of dividend options must include the following statement about dividends?
They are not guaranteed
Illustrations used in the sales of life insurance contain a statement that must be signed by?
The producer
During the first two years a Life insurance policy is in force, the insurer may contest a policy for all of the following reasons EXCEPT?
Misstatement of age in the applicant
The Arizona Life and Disability Insurance Guaranty Fund protects an insured in the event of?
The insurer's insolvency(bankruptcy)
EXCEPT for fraud, the time after issuance of a policy during which an insurance company may contest a health insurance claim due to the statements on an application is?
2 Years
How many days notice does the Affordable Car Act require insurers to give before rescinding coverage?
30 Days
When an individual purchases insurance as a result of threats made by the producer, there had been a violation of?
Unfair trade practice laws
A producer must maintain customer records for how many years following the completion date of the insurance transaction?
Three Years
When considering the replacement of an individual accident and health insurance policy, a predicting conditions exclusion in the new contract?
May reduce the insured's benefits
Which statement is true if trade association groups eligible for group medical benefits?
Members of the associations are usually in the industry
If a producer misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered?
Misrepresentation
Under the Telemarketing Sales Rule, telemarketing calls May NOT be received after?
9:00 PM
Which type of Medicare Supplement information can be used without prior state approval?
Government Publications
When the court orders an insured to provide a child's health insurance, the insurer must allow her child to be enrolled?
At any time
An individual currently owns a long-term care policy. At the time of application for similar coverage, which item must be signed by the applicant and retained by the insurer?
A replacement notice
When family coverage is in place, newborn children are automatically covered under a medical plan for a period of at least?
31 Days
A producer's License may be suspended?
For misappropriation of premiums
In most dental plans, a deductible typically is NOT applied to?
Preventative and diagnostic services
An insurer that confines or largely limits the exposures it writes to those of its owners is called?
Captive
What must the insurer provide to certificate holders when a group Medicare Supplement insurance policy is terminated an not replaced?
An offer of conversion to individual coverage.
Regulations for variable insurance contracts are set by all of the following EXCEPT?
State attorney general's office
In Arizona, who is primarily responsible for determining the appropriateness of a Medicare Supplement policy for a proposed insured?
The producer who solicits the application
When replacing a life insurance policy, which of the following is advisable?
Wait until the new policy is issued and delivered before surrendering existing policy.
Starting in 2016, businesses with up to _____ employees will be defined by the ACA as a "small business
100
All of the following are unfair claims settlement practices EXCEPT?
An attempt to settle a claim by arbitration
Which of these is NOT considered a preventative service in a dental plan?
Fillings
Arizona Law requires the Human Immunodeficiency Virus (HIV) consent form to?
Disclose the types of individuals or organizations that may receive a copy of the test results.
When a Medicare Supplement insurance policy is being replaced, who must sign the notice of replacement?
The producer and the applicant
I'm Arizona, maternity coverage for the birth of an adopted child is covered if the insured legally adopts the baby?
Within one year of birth
Which provision makes the application part of the annuity contract?
Entire Contract clause
A producer doing business under an assumed name must notify the Director?
Prior to using the assumed name
A licensee whose name or address changes must notify the Department of Insurance within?
30 Days
Under the uniform mandatory provisions, an accident and health insurer has the right to request an autopsy?
Only where not prohibited by law
An annuity becomes incontestable after it has been in force for?
2 Years
In Arizona, a long-term caf� policy may offer coverage?
In which benefits are based on an individual's ability to perform the activities of daily living.
What is the minimum number of employees needed for a small employer medical expense plan in Arizona?
2
All of these are considered to be a violation of the Federal Fraud and False Statements Act EXCEPT
Claims Reimbursement
The business of life settlements may include all of the following EXCEPT
Conversion of Term Life insurance contracts
According to the Affordable Care Act, coverage may be rescinded?
If intentionally false statements were offered
Which of these situation would NOT potentially involve a prison sentence under Federal Law?
Transacting Insurance with a nonresident license
The standard grace period for a life insurance policy sold in Arizona is?
30 Days
An insurance company may delay the payment of a cash value of a surrendered whole life insurance policy for up to?
6 months
What is a certificate of authority?
There license required for an insurer to conduct business in the state
In accident and health insurance, 60 days must pass after written proof of loss has been received by an insurer before the insured may?
Bring legal action against the insurer
Under which circumstance can an insurer cancel a Medicare Supplement insurance policy without prior approval by the Arizona Department of Insurance?
Multiple Medicare Supplement policies on the same person
An example of endodontic treatment is a?
Root canal
If a provision in an accident and health policy does not conform to Arizona's standards, the insurer must?
Amend the policy to conform to Arizona's minimum standards