完美的PA-Life-Accident-and-Health考試證照綜述和資格考試的領導者和最新更新的Insurance Licensing Pennsylvania Life, Accident and Health Exam如果你還在猶豫是否選擇KaoGuTi，你可以先到KaoGuTi網站下載我們免費提供的部分考試練習題和答案來確定我們的可靠性。如果你選擇下載我們的提供的所有考試練習題和答案，KaoGuTi敢100%保證你可以以高分數一次性通過Insurance Licensing PA-Life-Accident-and-Health 認證考試。 最新的 Pennsylvania Insurance Licencing (PAIN) PA-Life-Accident-and-Health 免費考試真題 (Q19-Q24):問題 #19
The group health insurance coordination of benefits provision is designed to provide
A. supplemental dental and vision benefits.
B. as much insurance as possible while eliminating over-insurance.
C. supplemental accident and dismemberment benefits.
D. a managed care program to control ongoing illnesses and diseases.
答案：B
解題說明：
Thecoordination of benefits (COB)provision in group health insurance policies is designed to prevent duplication of benefits while still allowing the insured to receive full coverage for eligible expenses.
Pennsylvania Life and Health Insurance materials explain that when an individual is covered by more than one group health plan, the COB provision determines which plan pays first (primary) and which pays second (secondary).
The objective is to ensure that total benefits paid do not exceed the actual cost of medical services. This prevents over-insurance, which could otherwise result in insured individuals receiving more in benefits than the amount of their medical expenses.
Coordination of benefits does not manage care, provide supplemental accident benefits, or offer dental or vision coverage. Instead, it aligns multiple policies to maximize coverage efficiency without violating insurance principles. Pennsylvania-approved study guides emphasize COB as a consumer protection mechanism that controls costs while ensuring appropriate benefit payment.
Therefore, the accurate and verified answer is option A.
問題 #20
An insured added a cost of living rider to his life insurance policy to ensure his death benefit increases in accordance with
A. the stock index.
B. his salary.
C. family growth.
D. the inflation index.
答案：D
解題說明：
In Pennsylvania Life Insurance policies, aCost of Living Rider (COLA rider)is designed to protect the policy' s death benefit from the eroding effects of inflation. This rider automatically increases the policy's face amount over time based on changes in a recognizedinflation index, ensuring that the purchasing power of the death benefit remains consistent.
Pennsylvania insurance study materials emphasize that inflation can significantly reduce the real value of a fixed death benefit over long periods. The COLA rider addresses this concern by periodically adjusting the death benefit upward, typically in alignment with consumer price measurements. These increases usually occur without requiring additional evidence of insurability, although they may result in increased premiums.
The rider does not adjust benefits based on the insured's salary, family growth, or stock market performance.
Salary and family size are personal financial considerations, not standardized economic indicators. Likewise, stock indexes are too volatile and speculative for insurance benefit adjustments. Instead, inflation indexes provide a stable, objective measure of rising costs.
Therefore, under Pennsylvania Life Insurance provisions, the COLA rider ensures death benefit increases in accordance withthe inflation index, making option C the correct and verified answer.
問題 #21
Which type of insurer is sometimes referred to as a non-participating company?
A. Fraternal Insurer.
B. Mutual Insurer.
C. Stock Insurer.
D. Reciprocal Insurer.
答案：C
解題說明：
Comprehensive and Detailed 150 to 250 words Explanation with all Pennsylvania Life, Accident, and Health Insurance documents without any external URL or links: = In Pennsylvania insurance education and licensing materials, astock insureris sometimes referred to as anon- participating companybecause policyowners do not share in the insurer's profits. Stock insurers are owned by shareholders, not policyholders, and their primary objective is to generate profit for those shareholders. Any profits earned are distributed as dividends to stockholders rather than to insured individuals.
Non-participating policies issued by stock insurers do not pay policy dividends to policyowners. The premiums charged are fixed, and benefits are contractually guaranteed, but there is no right to share in surplus earnings. This structure contrasts directly with mutual insurers, which are participating companies owned by policyholders who may receive dividends when the company performs well.
Reciprocal insurers are unincorporated associations where members insure one another, while fraternal insurers operate under a lodge system and provide insurance only to members. These entities are not classified as non-participating companies in Pennsylvania licensing terminology. Therefore, under Pennsylvania Life, Accident, and Health Insurance principles, the correct answer isStock Insurer, making optionBthe verified choice.
問題 #22
For the insured, what changes are made to both coverage and premiums under the Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage in comparison to the original group coverage?
A. Out-of-pocket expenses increase, while coverage decreases.
B. Coverage and premium expenses remain the same.
C. Coverage remains the same, while premiums increase.
D. Out-of-pocket expenses remain the same, while coverage decreases.
答案：C
解題說明：
Under theConsolidated Omnibus Budget Reconciliation Act (COBRA), insured individuals who lose group health coverage due to certain qualifying events are allowed to continue the same group coverage for a limited period. Pennsylvania Life and Health Insurance education materials emphasize that COBRA continuation coverage must beidenticalto the coverage provided under the original group health plan.
While coverage remains unchanged, the cost to the insured increases significantly. Under COBRA, the insured may be required to pay up to 102% of the total premium, which includes both the employee and employer portions plus an administrative fee. This represents a substantial increase compared to the employee' s prior contribution under the employer-sponsored plan.
COBRA does not reduce benefits or alter out-of-pocket expenses related to deductibles or copayments. The only change is the shift in premium responsibility from employer-supported coverage to full premium payment by the insured.
Therefore, the correct and verified answer is option C: coverage remains the same, while premiums increase.
問題 #23
An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a
A. preferred risk.
B. substandard risk.
C. rating risk.
D. standard risk.
答案：B
解題說明：
Under Pennsylvania Life, Accident, and Health Insurance classifications, an individual who is not acceptable at standard premium rates due to health conditions, hazardous habits, or dangerous occupations is classified as asubstandard risk. Insurers may still issue coverage to such individuals but often with higher premiums, policy ratings, exclusions, or modified benefits to compensate for the increased risk.
Standard risks qualify for average premiums, while preferred risks receive lower-than-average rates due to superior health and lifestyle factors. The term "rating risk" is not a recognized underwriting classification under Pennsylvania insurance guidelines. Substandard risks are commonly addressed through rated policies, flat extra premiums, or limited coverage options.
Pennsylvania-approved insurance study guides stress the importance of understanding risk classifications for underwriting and exam purposes. Since the individual is specifically described as unacceptable at standard rates, the correct and verified classification is substandard risk, making option A the correct answer.