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[General] Practice Exam Software Insurance Licensing PA-Life-Accident-and-Health Dumps PDF

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【General】 Practice Exam Software Insurance Licensing PA-Life-Accident-and-Health Dumps PDF

Posted at 1/17/2026 12:22:52      View：39 | Replies：0        Print      Only Author   [Copy Link] 1#
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Insurance Licensing Pennsylvania Life, Accident and Health Exam Sample Questions (Q89-Q94):NEW QUESTION # 89
Which annuity feature makes it a suitable source of retirement income for an individual?
  • A. Deferred annuities provide a lump-sum distribution at retirement.
  • B. Annuities grow tax deferred.
  • C. Annuities provide income the annuitant cannot outlive.
  • D. Annuities pay out principal and interest
Answer: C
Explanation:
Annuities are considered a suitable source of retirement income primarily because they can provideguaranteed income for life, which the annuitant cannot outlive. Pennsylvania Life and Health Insurance study materials emphasize that this lifetime income feature directly addresses longevity risk, one of the greatest concerns during retirement. When an annuity is annuitized, the insurer assumes the risk of the annuitant living longer than expected, ensuring continuous payments for life if a life annuity option is selected.
While annuities do pay out principal and interest and grow on a tax-deferred basis, these features alone do not uniquely qualify them as retirement income solutions. Tax deferral is also available in other retirement vehicles, and principal plus interest payments can be found in many financial products. Deferred annuities do not necessarily provide lump-sum payments at retirement, as they are designed primarily for income distribution rather than liquidation. Therefore, the defining retirement advantage under Pennsylvania insurance standards is the guarantee that income will not be exhausted during the annuitant's lifetime.

NEW QUESTION # 90
(EXCEPT for fraud, what is the time limit after issue for an insurer to deny an individual health insurance claim based on material misrepresentation in the application for the insurance?
  • A. 5 years
  • B. 3 years
  • C. 180 days
  • D. 1 year
Answer: B
Explanation:
Pennsylvania individual health insurance policies include anincontestability provision. Except in cases of fraud, insurers may deny claims based on material misrepresentationonly within the first three yearsafter the policy is issued. After this period, statements made in the application become incontestable, even if they were inaccurate. This rule protects insureds by providing long-term policy certainty and aligns with Pennsylvania statutory insurance standards. Fraud remains the sole exception, allowing denial at any time. The other options do not reflect the legally mandated incontestability timeframe.

NEW QUESTION # 91
Backdating on a life insurance policy is the practice of
  • A. making the policy effective on an earlier date than the present.
  • B. accepting the premium after the expiration of the grace period.
  • C. excluding medical coverage for preexisting medical conditions.
  • D. reinstating a lapsed policy.
Answer: A
Explanation:
Backdating in a Pennsylvania life insurance policy refers to the practice of assigning an effective date earlier than the actual application or issue date of the policy. This is permitted under Pennsylvania insurance regulations primarily to allow the insured to qualify for a lower premium based on a younger insurance age.
Insurers typically allow backdating up to six months, provided the policyowner pays the required back premiums from the backdated effective date to the current date.
Backdating does not reinstate a lapsed policy, accept late premiums beyond the grace period, or exclude coverage for preexisting conditions. Those activities are governed by separate provisions such as reinstatement clauses, grace period rules, and preexisting condition limitations found mainly in health insurance policies. Pennsylvania life insurance study materials emphasize that backdating is strictly regulated and must be requested by the applicant, not imposed by the insurer. Its sole purpose is age-based premium adjustment, making option A the correct answer.

NEW QUESTION # 92
Which service can NOT be provided in the patient's home through a home health care policy?
  • A. meal preparation
  • B. banking assistance
  • C. nursing care
  • D. housekeeping assistance
Answer: B
Explanation:
Pennsylvania Health Insurance study materials definehome health care policiesas insurance coverage that provides certain medical and supportive services in the insured's home when hospitalization or skilled care is required. Covered services typically includeskilled nursing care,housekeeping assistance, andmeal preparation, provided they are part of a prescribed care plan and medically necessary.
Home health care benefits are intended to assist with health-related daily living activities and recovery.
Housekeeping and meal preparation are often limited to light duties directly related to the insured's medical condition, such as maintaining a clean environment or preparing meals according to dietary needs.
Banking assistance, however, is not considered a medical or health-related service and falls outside the scope of home health care coverage. Financial or personal business services are unrelated to medical treatment and are therefore excluded under Pennsylvania health insurance standards.
For this reason, the service that cannot be provided through a home health care policy isbanking assistance, making option B the correct and verified answer.

NEW QUESTION # 93
Which is an accurate statement regarding the taxation of personal life insurance?
  • A. Dividends and interest earned are taxable as ordinary income.
  • B. The interest on a policy loan is tax deductible to the insured.
  • C. Lump sum death benefits are income tax free.
  • D. The payment of accelerated death benefits are reported as taxable Income.
Answer: C
Explanation:
Pennsylvania Life Insurance taxation principles follow federal tax treatment standards taught in state- approved insurance education materials.Lump sum death benefits paid from a personal life insurance policy are generally income tax free to the beneficiary. This favorable tax treatment is one of the primary advantages of life insurance as a financial planning tool.
The death benefit is excluded from the beneficiary's gross income when paid as a lump sum, regardless of the size of the policy. However, interest earned on proceeds left with the insurer under a settlement option may be taxable, but the principal amount remains tax free.
The other options are incorrect. Interest on a policy loan isnot tax deductible. Accelerated death benefits are generallynot taxablewhen paid due to terminal or chronic illness. Dividends are considered a return of premium and are not taxable unless they exceed the total premiums paid.
Accordingly, under Pennsylvania Life Insurance taxation rules, the correct statement is thatlump sum death benefits are income tax free, making option C correct.

NEW QUESTION # 94
......
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