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最新的 California Department of Insurance Certification CA-Life-Accident-and-Health 免費考試真題:

1. The California Insurance Code requirements regarding the return of life or annuity contracts issued to seniors

A) mandates a 30 day free look for all applicants.
B) gives a senior at least 30 days to return specified life and/or annuity contracts for a full refund.
C) applies to group policies.
D) defines seniors as someone 55 years of age or older on the date of purchase of the policy.

2. All of the following statements about mortality tables are true EXCEPT

A) actuaries use the tables to predict the number of deaths among a given number of people at a given age.
B) the numbers in the tables are based on past experience.
C) the tables track a group of people from the year they were born until they all die.
D) the theory of probability is applied to numbers in the tables.

3. How does the cost recovery rule apply when a life insurance policy is surrendered for its cashvalue?

A) The entire surrender value is taxable.
B) The cost basis of the policy is exempt from taxation.
C) The insured receives only the cost basis.
D) The insurer retains the cost basis.

4. Which statement about Medicare is NOT correct?

A) Medicare Part A covers hospital care.
B) Medicare is a federal health insurance program.
C) Medicare Part C covers long-term care.
D) Medicare Part B covers physician services.

5. The conversion privilege allows a terminated employee to convert

A) term insurance into permanent insurance.
B) group life insurance into an annuity.
C) permanent insurance into term insurance.
D) an annuity into group life insurance.

問題與答案：