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Title: Certification PA-Life-Accident-and-Health Dump | Latest PA-Life-Accident-and-Hea [Print This Page]
Author: raynort761    Time: yesterday 16:51
Title: Certification PA-Life-Accident-and-Health Dump | Latest PA-Life-Accident-and-Hea
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Insurance Licensing Pennsylvania Life, Accident and Health Exam Sample Questions (Q75-Q80):NEW QUESTION # 75
The ownership provision of a life insurance policy states that during the insured individuals lifetime, the rights and privileges belong to the
Answer: A
Explanation:
Theownership provisionof a life insurance policy under Pennsylvania Life Insurance law states that allrights and privilegesof the policy belong to thepolicyownerduring the insured individual's lifetime. These rights include naming or changing beneficiaries, borrowing against cash value, assigning the policy, and surrendering the policy.
Pennsylvania-approved insurance study materials clarify that the policyowner may or may not be the insured.
When the owner and insured are different individuals, the insured does not automatically have control over policy decisions. Beneficiaries also have no rights while the insured is alive unless designated as irrevocable.
The insured's family likewise has no ownership rights unless specifically named as policyowners or irrevocable beneficiaries. Therefore, ownership rights rest exclusively with theowner only, making optionBthe correct and verified answer under Pennsylvania Life, Accident, and Health Insurance regulations.

NEW QUESTION # 76
The MAJOR factor in determining the benefit amount paid under a disability income policy Is
Answer: A
Explanation:
Under Pennsylvania Life, Accident, and Health Insurance principles, themajor factorin determining the benefit amount paid under a disability income policy is the insured'swages (earned income). Disability income insurance is designed to replace a portion of the insured's income lost due to sickness or injury, not to create a financial gain. Pennsylvania-approved study materials emphasize the concept ofincome replacement, typically limiting benefits to a percentage of the insured's pre-disability earnings, commonly 50% to 70%, depending on the policy and insurer guidelines.
While occupation plays a role in underwriting and premium determination, wages directly determine how much income can be replaced. Gender and age may influence premium rates and eligibility but do not determine the benefit amount itself. Insurers verify income through tax records or employer documentation to ensure compliance with insurable interest and indemnity principles. This ensures the policy remains consistent with Pennsylvania insurance regulations and prevents overinsurance. Therefore,wagesare the primary and controlling factor in setting disability income benefit amounts.

NEW QUESTION # 77
Which of the following best describes how insurers predict the chance of loss?
Answer: B
Explanation:
Insurers predict the chance of loss primarily through thelaw of large numbers, a fundamental principle taught in Pennsylvania Life, Accident, and Health Insurance study guides. This law states that as the number of exposure units increases, the actual loss experience will more closely match the expected loss experience. By insuring a large group of similar risks, insurers can more accurately forecast losses and set appropriate premium rates.
Average disability occurrences and census tables are tools derived from this principle but do not explainhowpredictions are made. Insurable interest is a legal requirement ensuring the policyowner has a legitimate financial interest in the insured but has no role in loss prediction. The law of large numbers allows insurers to rely on statistical probability rather than guesswork, forming the foundation of underwriting, rate development, and financial stability. Consequently, option B is the correct and verified answer.

NEW QUESTION # 78
Which type of life insurance policy is characterized by premiums that are fully paid up within a stated period, after which no further premiums are REQUIRED?
Answer: D
Explanation:
Alimited payment life insurance policyis characterized by premiums that are paid over aspecified period, after whichno further premium payments are required, yet coverage continues for the insured's lifetime.
Pennsylvania Life Insurance study guides describe this policy type as a form of permanent insurance, commonly whole life, with accelerated premium payment schedules.
Common examples include 10-pay life, 20-pay life, or policies paid up at age 65. These policies appeal to individuals who want lifetime coverage but prefer to complete premium payments during their working years.
Once the premium-paying period ends, the policy remains fully in force, and the death benefit is guaranteed.
The other options listed are not recognized policy types under Pennsylvania insurance standards. Lump sum insurance is not a formal classification. Basic installment insurance refers to payout methods, not premium structure. Prepaid premium insurance is not a valid life insurance category.
Because limited payment policies explicitly provide for premiums that arefully paid within a stated period, option C is the correct and verified answer.

NEW QUESTION # 79
Medicare Part B insurance is partially funded by
Answer: D
Explanation:
Medicare Part B insurance, which provides coverage for physician services, outpatient care, preventive services, and certain medical supplies, is partially funded byuser premiums. Under Pennsylvania Life and Health Insurance study materials, Medicare Part B is classified as a voluntary program, meaning eligible individuals must enroll and pay a monthly premium to receive benefits. These premiums are typically deducted from the beneficiary's Social Security benefits.
Unlike Medicare Part A, which is primarily funded through employment and Social Security payroll taxes, Part B relies heavily on beneficiary contributions along with general federal revenues. Pennsylvania licensing guides emphasize this distinction because it is frequently tested on state and national insurance exams.
Employer contributions do not fund Medicare Part B, and while Social Security taxes support Part A, they are not the funding source for Part B.
Therefore, the accurate and verified answer is user premiums, making option B correct.

NEW QUESTION # 80
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