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[General] PA-Life-Accident-and-Health Actual Tests - Valid PA-Life-Accident-and-Health Tes

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【General】 PA-Life-Accident-and-Health Actual Tests - Valid PA-Life-Accident-and-Health Tes

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Insurance Licensing Pennsylvania Life, Accident and Health Exam Sample Questions (Q48-Q53):NEW QUESTION # 48
A contract of indemnity is one in which
  • A. both parties are expected to act in complete honesty.
  • B. one party must adhere to the agreements written by the other party.
  • C. one party is restored to the same financial position the party was in before the loss occurred.
  • D. one party is obligated to assume the legal liability of another party.
Answer: C
Explanation:
Specified disease insurance policies provide coverage for particular diseases listed in the policy. The most common type of specified disease insurance is cancer insurance, which offers financial protection and support specifically for cancer diagnosis and treatment-related expenses. This type of policy helps cover costs not typically covered by standard health insurance, such as experimental treatments, travel, and accommodation during treatment.

NEW QUESTION # 49
What is the approach to assessing the consumer's need for life insurance that focuses on an individuals future stream of income?
  • A. Human Life Value approach
  • B. Needs approach
  • C. Affordability approach
  • D. Return of Investment approach
Answer: A
Explanation:
TheHuman Life Value (HLV) approachis the method of assessing a consumer's life insurance needs that focuses on the individual'sfuture stream of income. Pennsylvania Life Insurance study materials describe this approach as a way to estimate the present value of an insured's expected earnings over their remaining working years. The purpose is to determine how much life insurance would be needed to replace the income lost if the insured were to die prematurely.
Under the HLV approach, factors such as age, occupation, earnings, employment duration, inflation, and family dependency are evaluated. This approach views the insured as an income-producing asset whose economic value must be protected for dependents. The other options do not align with this concept. The needs approach focuses on specific financial obligations such as debts, education, and living expenses. The affordability approach considers what the individual can afford in premiums, not income replacement. The return on investment approach is not a recognized method for determining life insurance needs under Pennsylvania-approved education materials. Therefore, option A is the correct and verified answer.

NEW QUESTION # 50
A PRIMARY feature of universal life insurance is that it is
  • A. flexible.
  • B. bundled.
  • C. fixed.
  • D. variable.
Answer: A
Explanation:
A primary feature of universal life insurance under Pennsylvania Life Insurance principles is itsflexibility.
Universal life policies allow policyowners to adjust premium payments, death benefits, and cash value accumulation within policy limits. This flexibility distinguishes universal life from traditional whole life insurance, which has fixed premiums and guaranteed benefits.
Pennsylvania insurance education materials describe universal life as an unbundled policy, meaning its components-mortality cost, interest, and expenses-are separately identified. Policyowners may increase or decrease premium payments as long as sufficient cash value exists to cover policy charges. The death benefit may also be adjusted, subject to underwriting approval.
The policy is not fixed like whole life, not bundled, and not inherently variable unless it is specifically a variable universal life policy. Therefore, flexibility is the defining and primary feature tested on Pennsylvania licensing exams, making option D the correct and verified answer.

NEW QUESTION # 51
Which of the following represents a reduced paid-up nonforfeiture option?
  • A. The policy will have a decreased face amount
  • B. The new face amount is the same as the original policy.
  • C. Further premiums must be paid on the reduced policy.
  • D. A full share of expense loading must be included in the premium on the reduced coverage.
Answer: A
Explanation:
In Pennsylvania Life Insurance policies, areduced paid-up nonforfeiture optionallows the policyowner to stop paying premiums while maintaining permanent coverage with areduced face amount. The existing cash value is used to purchase a fully paid-up policy with no future premium requirements.
Under this option, the death benefit is lower than the original policy, but coverage remains in force for the insured's lifetime. This distinguishes it from extended term insurance, which keeps the same face amount but only for a limited period. Pennsylvania-approved study guides emphasize that reduced paid-up insurance eliminates the need for further premiums.
The other answer choices are incorrect. Further premiums are not required, expense loading is not re-applied, and the new face amount is not the same as the original. Therefore, the defining characteristic of reduced paid- up insurance is adecreased face amount, making optionBthe correct and verified answer according to Pennsylvania Life, Accident, and Health Insurance documentation.

NEW QUESTION # 52
In Pennsylvania, payment on an Accelerated Death Benefit Rider may NOT be less than what percentage of the total death benefit?
  • A. 0
  • B. 1
  • C. 2
  • D. 3
Answer: C
Explanation:
In Pennsylvania, anAccelerated Death Benefit Riderallows a life insurance policyowner to receive a portion of the policy's death benefit early if the insured is diagnosed with a qualifying terminal or catastrophic illness.
Pennsylvania insurance regulations and approved licensing materials clearly state that the accelerated benefitmay not be less than 25% of the policy's total death benefit.
This minimum requirement ensures that the rider provides meaningful financial assistance to the insured during periods of severe medical need, such as covering treatment costs, long-term care, or other end-of-life expenses. While insurers may limit the maximum percentage that can be accelerated, they cannot offer a benefit lower than this statutory threshold once acceleration is triggered.
The remaining answer choices-10%, 60%, and 75%-do not reflect Pennsylvania's mandated minimum and are therefore incorrect. Pennsylvania law seeks to balance consumer protection with insurer solvency by enforcing this standard. Consequently,25%is the correct and verified answer under Pennsylvania Life Insurance regulations.

NEW QUESTION # 53
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