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Kentucky Health Insurance Exam |Actual Questions with Verified Answers| 100% Correct |Late, Exams of Insurance law

Kentucky Health Insurance Exam |Actual Questions with Verified Answers| 100% Correct |Latest 2025/2026 Update.

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2024/2025

Available from 07/02/2025

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Kentuckyi,-Healthi,-Insurancei,-Exami,-|Actuali,-
Questionsi,-withi,-Verifiedi,-Answers|i,-100%i,-
Correcti,-|Latesti,-2025/2026i,-Update.
Thei,-fulli,-premiumi,-wasi,-submittedi,-withi,-thei,-applicationi,-fori,-lifei,-
insurance,i,-andi,-thei,-policyi,-wasi,-issuedi,-twoi,-weeksi,-lateri,-asi,-
requested.i,-Wheni,-doesi,-thei,-policyi,-becomei,-effective?i,-A.i,-asi,-ofi,-thei,-
applicationi,-date
B.i,-Asi,-ofi,-thei,-policyi,-deliveryi,-date
C.i,-Asi,-ofi,-thei,-firsti,-ofi,-thei,-monthi,-afteri,-thei,-policyi,-issuei,-date
D.i,-Asi,-ofi,-thei,-policyi,-issuei,-datei,-i,- i,-A.i,-Asi,-ofi,-thei,-applicationi,-date
Alli,-ofi,-thei,-followingi,-arei,-truei,-abouti,-groupi,-disabilityi,-incomei,-
insurancei,-EXCEPT:i,-A.i,-Thei,-waitingi,-periodi,-startsi,-ati,-thei,-onseti,-ofi,-thei,-
injuryi,-ori,-sickness.
B.i,-Thei,-longeri,-thei,-waitingi,-period,i,-thei,-loweri,-thei,-premium.
C.i,-Coveragei,-appliesi,-bothi,-oni,-andi,-offi,-thei,-job.
D.i,-Benefitsi,-arei,-usuallyi,-shorti,-term.i,-i,- i,-C.i,-Coveragei,-appliesi,-bothi,-
oni,-andi,-offi,-thei,-job.
Underi,-thei,-agei,-discriminationi,-ini,-employmenti,-act,i,-ifi,-thei,-obligationi,-
ofi,-thei,-employeri,-toi,-providei,-retireei,-healthi,-benefits,i,-whati,-willi,-ani,-
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Download Kentucky Health Insurance Exam |Actual Questions with Verified Answers| 100% Correct |Late and more Exams Insurance law in PDF only on Docsity!

Kentuckyi,-Healthi,-Insurancei,-Exami,-|Actuali,-

Questionsi,-withi,-Verifiedi,-Answers|i,-100%i,-

Correcti,-|Latesti,-2025/2026i,-Update.

Thei,-fulli,-premiumi,-wasi,-submittedi,-withi,-thei,-applicationi,-fori,-lifei,-

insurance,i,-andi,-thei,-policyi,-wasi,-issuedi,-twoi,-weeksi,-lateri,-asi,-

requested.i,-Wheni,-doesi,-thei,-policyi,-becomei,-effective?i,-A.i,-asi,-ofi,-thei,-

applicationi,-date

B.i,-Asi,-ofi,-thei,-policyi,-deliveryi,-date

C.i,-Asi,-ofi,-thei,-firsti,-ofi,-thei,-monthi,-afteri,-thei,-policyi,-issuei,-date

D.i,-Asi,-ofi,-thei,-policyi,-issuei,-datei,-i,- i,-A.i,-Asi,-ofi,-thei,-applicationi,-date

Alli,-ofi,-thei,-followingi,-arei,-truei,-abouti,-groupi,-disabilityi,-incomei,-

insurancei,-EXCEPT:i,-A.i,-Thei,-waitingi,-periodi,-startsi,-ati,-thei,-onseti,-ofi,-thei,-

injuryi,-ori,-sickness.

B.i,-Thei,-longeri,-thei,-waitingi,-period,i,-thei,-loweri,-thei,-premium.

C.i,-Coveragei,-appliesi,-bothi,-oni,-andi,-offi,-thei,-job.

D.i,-Benefitsi,-arei,-usuallyi,-shorti,-term.i,-i,- i,-C.i,-Coveragei,-appliesi,-bothi,-

oni,-andi,-offi,-thei,-job.

Underi,-thei,-agei,-discriminationi,-ini,-employmenti,-act,i,-ifi,-thei,-obligationi,-

ofi,-thei,-employeri,-toi,-providei,-retireei,-healthi,-benefits,i,-whati,-willi,-ani,-

individuali,-youngeri,-thani,- 65 i,-receivei,-ini,-benefitsi,-eachi,-year?i,-A.i,-one-

fourthi,-ofi,-thei,-benefitsi,-requiredi,-underi,-thei,-sociali,-securityi,-act.i,-B.i,-ati,-

leasti,-10,000.i,-C.i,-Ati,-leasti,-thei,-valuei,-ofi,-thei,-Sociali,-Securityi,-Benefits.i,-

D.i,-Thei,-minimumi,-establishedi,-byi,-thei,-employeri,-i,- i,-C.i,-Ati,-leasti,-thei,-

valuei,-ofi,-thei,-Sociali,-Securityi,-benefits

Disabilityi,-incomei,-policiesi,-cani,-providei,-coveragei,-fori,-ai,-lossi,-ofi,-

incomei,-wheni,-returningi,-toi,-worki,-onlyi,-part-timei,-afteri,-recoveringi,-

fromi,-totali,-disability.i,-Whati,-isi,-thei,-benefiti,-thati,-isi,-basedi,-oni,-thei,-

insured'si,-lossi,-ofi,-earningsi,-afteri,-recoveryi,-fromi,-ai,-disability?i,-A.i,-

recurrenti,-disabilityi,-B.i,-partiali,-disabilityi,-C.i,-incomei,-replacementi,-D.i,-

Residuali,-disabilityi,-i,- i,-D.i,-Residuali,-disability

Ai,-produceri,-isi,-actingi,-ini,-whati,-capacityi,-wheni,-hei,-ori,-shei,-isi,-tryingi,-toi,-

obtaini,-crediblei,-informationi,-abouti,-ani,-applicanti,-fori,-healthi,-

insurance?i,-A.i,-officei,-underwriteri,-B.i,-Generali,-agenti,-C.i,-Consumeri,-

reporti,-investigatori,-D.i,-Fieldi,-underwriteri,-i,- i,-D.i,-Fieldi,-underwriter

Whichi,-ofi,-thei,-followingi,-ridersi,-wouldi,-NOTi,-increasei,-thei,-premiumi,-

fori,-ai,-policyowner?i,-A.i,-impairmenti,-rideri,-B.i,-payori,-benefiti,-rideri,-C.i,-

Waiveri,-ofi,-premiumi,-rideri,-D.i,-Multiplei,-indemnityi,-rideri,-i,- i,-A.i,-

impairmenti,-rider

Ani,-insuredi,-wantsi,-toi,-namei,-heri,-husbandi,-asi,-thei,-beneficiaryi,-ofi,-heri,-

healthi,-policy.i,-Shei,-alsoi,-wishesi,-toi,-retaini,-alli,-ofi,-thei,-rightsi,-ofi,-

employeei,-andi,-arei,-taxi,-free.i,-i,- i,-B.i,-Arei,-madei,-byi,-thei,-businessi,-andi,-

arei,-noti,-taxi,-deductible.

Premiumi,-paymentsi,-fori,-personally-ownedi,-disabilityi,-incomei,-

policiesi,-are...i,-A.i,-Taxi,-deductiblei,-toi,-thei,-extenti,-thati,-theyi,-exceedi,-10%i,-

ofi,-thei,-adjustedi,-grossi,-incomei,-ofi,-thosei,-itemizingi,-deductions.i,-B.i,-

Wheni,-thei,-premiumsi,-andi,-otheri,-unreimbursedi,-medicali,-expensesi,-

exceedi,-5%i,-ofi,-thei,-employee'si,-adjustedi,-grossi,-income.i,-D.i,-Ani,-

employee'si,-groupi,-medicali,-benefitsi,-arei,-generallyi,-exempti,-fromi,-

taxationi,-asi,-income.i,-i,- i,-D.i,-Ani,-employee'si,-groupi,-medicali,-benefitsi,-

arei,-generallyi,-exempti,-fromi,-taxationi,-asi,-income.

Ai,-businessi,-entityi,-actingi,-asi,-ani,-agenti,-isi,-requiredi,-toi,-obtaini,-whati,-

kindi,-ofi,-license?i,-A.i,-ani,-adjuster'si,-licensei,-B.i,-Ai,-broker'si,-licensei,-C.i,-Ani,-

agent'si,-licensei,-D.i,-Ai,-consultant'si,-licensei,-i,- i,-C.i,-Ani,-agent'si,-license

______i,-policiesi,-coveri,-onlyi,-thosei,-injuriesi,-andi,-illnessesi,-thati,-occuri,-

outsidei,-ofi,-one'si,-job.i,-A.i,-Limitedi,-B.i,-Nonoccupationali,-C.i,-Workersi,-

compensationi,-D.i,-Fulli,-coveragei,-i,- i,-B.i,-Non-occupation

HMOsi,-thati,-arei,-patients'i,-cooperativesi,-are____whilei,-thosei,-ownedi,-

byi,-physiciansi,-arei,-typically______.i,-A.i,-For-profit,i,-nonprofiti,-B.i,-

Emergencyi,-facilities,i,-routinei,-outpatienti,-facilitiesi,-C.i,-Routinei,-

outpatienti,-facilities,i,-emergencyi,-facilities,i,-D.i,-Nonprofit,i,-for-profiti,-i,-

i,-D.i,-Nonprofit,i,-for-profit

Whichi,-ofi,-thei,-followingi,-isi,-truei,-regardingi,-underwritingi,-fori,-ai,-

personi,-withi,-HIV?i,-A.i,-Thei,-personi,-mayi,-onlyi,-bei,-declinedi,-ifi,-he/shei,-

hasi,-symptoms.i,-B.i,-Thei,-personi,-mayi,-noti,-bei,-declined.i,-C.i,-Ai,-personi,-

mayi,-bei,-declinedi,-fori,-HIVi,-buti,-noti,-AIDs.i,-D.i,-Thei,-personi,-mayi,-bei,-

declined.i,-i,- i,-D.i,-Thei,-personi,-mayi,-bei,-declined.i,-Thei,-HIVi,-consenti,-

formi,-providesi,-thei,-insurancei,-companyi,-withi,-authorizationi,-toi,-testi,-

fori,-thei,-presencei,-ofi,-thei,-HIVi,-virusi,-andi,-appliesi,-toi,-alli,-lifei,-andi,-healthi,-

policiesi,-issuedi,-ini,-thisi,-state.i,-Underwritingi,-fori,-HIVi,-ori,-AIDsi,-isi,-

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underwritingi,-decisioni,-isi,-noti,-permittedi,-ifi,-basedi,-solelyi,-uponi,-thei,-

presencei,-ofi,-symptoms,i,-buti,-onlyi,-ifi,-HIVi,-isi,-confirmedi,-ini,-relationi,-toi,-

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Underi,-thei,-Accidentali,-Deathi,-andi,-Dismembermenti,-coverage,i,-whati,-

typei,-ofi,-benefiti,-willi,-bei,-paidi,-toi,-thei,-beneficiaryi,-ini,-thei,-eventi,-ofi,-thei,-

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coveragei,-onlyi,-paysi,-fori,-accidentali,-lossesi,-andi,-isi,-thusi,-consideredi,-ai,-

purei,-formi,-ofi,-accidenti,-insurance.i,-Thei,-principali,-sumi,-isi,-paidi,-fori,-

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thei,-premiumi,-payments.i,-C.i,-Wheni,-thei,-employeei,-isi,- 59 i,-1/2i,-D.i,-Wheni,-

thei,-amounti,-ofi,-thei,-benefiti,-isi,-equali,-ori,-lessi,-thani,-thei,-amounti,-ofi,-

contributedi,-byi,-thei,-employer.i,-i,- i,-A.i,-Wheni,-thei,-benefitsi,-receivedi,-

arei,-equali,-ori,-lessi,-thani,-thei,-employee'si,-percentagei,-ofi,-thei,-

contributions.

Howi,-manyi,-pintsi,-ofi,-bloodi,-willi,-bei,-paidi,-fori,-byi,-Medicarei,-

supplementi,-corei,-benefits?i,-A.i,-Firsti,- 2 i,-B.i,-None,i,-Medicarei,-paysi,-fori,-iti,-

all.i,-C.i,-Everythingi,-afteri,-firsti,- 3 i,-D.i,- 1 i,-pinti,-i,- i,-A.i,-Firsti,- 3

Ani,-insuredi,-isi,-coveredi,-underi,- 2 i,-groupi,-healthi,-plansi,--i,-underi,-hisi,-owni,-

andi,-hisi,-spouse's.i,-Hei,-hadi,-sufferedi,-ai,-lossi,-ofi,-$2,000.i,-Afteri,-thei,-

insuredi,-paidi,-thei,-totali,-ofi,-$500i,-ini,-deductiblesi,-andi,-coinsurance,i,-thei,-

primaryi,-insureri,-coveredi,-$1,500i,-ofi,-medicali,-expenses.i,-Whati,-

amount,i,-ifi,-any,i,-wouldi,-bei,-paidi,-byi,-thei,-secondaryi,-insurer?i,-A.i,- 0 i,-B.i,-

500 i,-C.i,- 1000 i,-D.i,- 2000 i,-i,- i,-B.i,- 500

Individualsi,-whoi,-itemizei,-deductionsi,-cani,-claimi,-deductionsi,-fori,-

medicali,-expensesi,-noti,-coveredi,-byi,-healthi,-insurancei,-thati,-exceedi,-

whati,-percenti,-ofi,-theiri,-adjustedi,-grossi,-income?i,-A.i,-5%i,-B.i,-7%i,-C.i,-10%i,-

D.i,-15%i,-i,- i,-C.i,-10%

Whati,-isi,-anotheri,-namei,-fori,-ani,-Administrativei,-Servicesi,-onlyi,-

arrangement?i,-A.i,-Selfi,-fundingi,-B.i,-Thirdi,-partyi,-administratori,-C.i,-Ai,-

modifiedi,-fullyi,-insuredi,-plani,-D.i,-Modifiedi,-endowmenti,-contracti,-i,- i,-

B.i,-Thirdi,-partyi,-administrator

Sociali,-Securityi,-Supplementi,-SISi,-ori,-Sociali,-Securityi,-ridersi,-wouldi,-

providei,-fori,-thei,-paymenti,-ofi,-incomei,-benefiti,-ini,-eachi,-ofi,-thei,-

situationsi,-excepti,-A.i,-Ifi,-thei,-insuredi,-hasi,-beeni,-deniedi,-coveragei,-

underi,-sociali,-securityi,-B.i,-Wheni,-thei,-amounti,-payablei,-underi,-sociali,-

securityi,-isi,-morei,-thani,-thei,-amounti,-payablei,-underi,-thei,-rider.i,-C.i,-

Wheni,-usedi,-toi,-replacei,-ori,-supplementi,-benefitsi,-payablei,-underi,-

otheri,-sociali,-insurancei,-programsi,-D.i,-Wheni,-thei,-insuredi,-isi,-eligiblei,-

fori,-Sociali,-Securityi,-benefitsi,-buti,-beforei,-thei,-benefitsi,-begini,-i,- i,-B.i,-

Wheni,-thei,-amounti,-payablei,-underi,-sociali,-securityi,-isi,-morei,-thani,-thei,-

amounti,-payablei,-underi,-thei,-rider.

Thei,-provisioni,-ini,-ai,-healthi,-insurancei,-policyi,-thati,-ensuresi,-thati,-thei,-

insureri,-cannoti,-referi,-toi,-anyi,-documenti,-thati,-isi,-noti,-containedi,-ini,-thei,-

contracti,-isi,-the...i,-A.i,-Entirei,-contracti,-clause.i,-B.i,-Timei,-limiti,-oni,-certaini,-

defensesi,-clause.i,-C.i,-Incontestabilityi,-clausei,-D.i,-Legali,-actioni,-i,- i,-A.i,-

Entirei,-contracti,-clause

Whichi,-clausei,-statesi,-thati,-ai,-representationi,-mayi,-NOTi,-bei,-contestedi,-

afteri,-ai,-two-yeari,-period?i,-A.i,-Freei,-look.i,-B.i,-Notoi,-contenderei,-C.i,-

Gracei,-periodi,-D.i,-Incontestabilityi,-i,- i,-D.i,-Incontestability

requested.i,-Wheni,-doesi,-thei,-policyi,-coveragei,-becomei,-effective?i,-A.i,-

asi,-ofi,-thei,-firsti,-ofi,-thei,-monthi,-afteri,-thei,-policyi,-issue.i,-B.i,-Asi,-ofi,-thei,-

policyi,-issuei,-datei,-C.i,-asi,-ofi,-thei,-applicationi,-datei,-D.i,-Asi,-ofi,-thei,-policyi,-

deliveryi,-datei,-i,- i,-C.i,-asi,-ofi,-thei,-applicationi,-date

Underi,-whati,-typei,-ofi,-groupi,-healthi,-plani,-doesi,-thei,-insureri,-issuei,-thei,-

plani,-oni,-onei,-yeari,-renewablei,-termi,-basisi,-andi,-thei,-premiumi,-fori,-eachi,-

yeari,-onlyi,-paysi,-fori,-thati,-year'si,-coverage?i,-A.i,-Annuali,-fullyi,-insuredi,-B.i,-

conventioni,-fullyi,-insuredi,-C.i,-modifiedi,-fullyi,-insured.i,-D.i,-premiumi,-

dailyi,-arrangementi,-i,- i,-B.i,-conventionali,-fullyi,-insured.

Ani,-insuredi,-isi,-involvedi,-ini,-ani,-accidenti,-thati,-rendersi,-himi,-

permanentlyi,-deaf,i,-althoughi,-hei,-doesi,-noti,-sustaini,-anyi,-otheri,-majori,-

injuries.i,-Thei,-insuredi,-isi,-stilli,-ablei,-toi,-performi,-hisi,-currenti,-job.i,-Toi,-

whati,-extendi,-willi,-hei,-receivei,-presumptivei,-disabilityi,-benefits?i,-A.i,-Noi,-

benefitsi,-B.i,-Fulli,-benefitsi,-C.i,-Partiali,-benefitsi,-D.i,-fulli,-benefitsi,-fori,- 2 i,-

years.i,-i,- i,-B.i,-fulli,-benefits

Underi,-ai,-disabilityi,-incomei,-policiesi,-benefitsi,-arei,-usuallyi,-limitedi,-toi,-

approximatelyi,-......ofi,-thei,-totali,-weeklyi,-benefiti,-fori,-timei,-losti,-toi,-

minori,-surgery,i,-consultations,i,-etc.i,-A.i,-10%i,-B.i,-15%i,-C.i,-20%i,-D.i,-25%i,-i,-

i,-A.i,-10%

Alli,-ofi,-thei,-followingi,-arei,-consideredi,-toi,-bei,-basici,-benefitsi,-ofi,-ani,-

HMOi,-plan,i,-Excepti,-A.i,-preventivei,-servicesi,-B.i,-Outi,-ofi,-areai,-servicei,-C.i,-

Diagnostici,-laboratoryi,-Servicesi,-D.i,-Prescriptioni,-drugs.i,-i,- i,-D.i,-

prescriptioni,-drugs

Howi,-sooni,-followingi,-thei,-occurrencei,-ofi,-ai,-coveredi,-lossi,-musti,-ani,-

insuredi,-submiti,-writteni,-proofi,-ofi,-suchi,-lossi,-toi,-thei,-insurancei,-

company?i,-A.i,-Asi,-sooni,-asi,-possiblei,-B.i,-withini,- 20 i,-daysi,-c.i,-withini,- 60 i,-

daysi,-d.i,-withini,- 90 i,-daysi,-ori,-asi,-sooni,-asi,-reasonablei,-possiblei,-buti,-noti,-

toi,-exceedi,- 1 i,-yeari,-i,- i,-D.i,-withini,- 90 i,-daysi,-ori,-asi,-sooni,-asi,-reasonablyi,-

possiblei,-buti,-noti,-toi,-exceedi,- 1 i,-year.

Thei,-Federali,-Fairi,-crediti,-reportingi,-acti,-a.i,-regulatedi,-telemarketing.i,-b.i,-

preventsi,-moneyi,-launderingi,-c.i,-regulatesi,-consumeri,-reportsi,-d.i,-

protectsi,-customeri,-privacyi,-i,- i,-C.i,-regulatesi,-consumeri,-reports

Whichi,-ofi,-thei,-followingi,-isi,-ai,-riski,-classificationi,-usedi,-byi,-underwritersi,-

fori,-lifei,-insurance?i,-A.i,-poori,-b.i,-normali,-c.i,-excellent.i,-d.i,-standardi,-i,- i,-

d.i,-standard

Ifi,-ai,-consumeri,-requestsi,-additionali,-informationi,-concerningi,-ani,-

investigativei,-consumeri,-report,i,-howi,-longi,-doesi,-thei,-insureri,-ori,-

reportingi,-agencyi,-havei,-toi,-comply?i,-a.i,- 5 i,-daysi,-b.i,- 7 i,-daysi,-c.i,- 10 i,-days.i,-

d.i,- 3 i,-daysi,-i,- i,-a.i,- 5 i,-days.

Whichi,-ofi,-thei,-followingi,-isi,-NOTi,-specificallyi,-prohibitedi,-byi,-statei,-lawi,-

asi,-ani,-unfairi,-tradei,-practice?i,-A.i,-Reducingi,-thei,-premiumsi,-paidi,-byi,-

employersi,-fori,-groupi,-insurancei,-basedi,-oni,-lossi,-experience.i,-B.i,-Usingi,-

misleadingi,-representationsi,-toi,-inducei,-uncalledi,-fori,-actioni,-byi,-thei,-

insured.i,-C.i,-Usingi,-incompletei,-comparisonsi,-toi,-inducei,-uncalledi,-fori,-

actioni,-byi,-thei,-insuredi,-D.i,-Failingi,-toi,-disclosei,-thati,-thei,-solicitationsi,-ofi,-

ani,-insurancei,-contracti,-arei,-thei,-resulti,-ofi,-ai,-marketingi,-method.i,-i,- i,-

A.i,-reducingi,-thei,-premiumsi,-byi,-employersi,-fori,-groupi,-insurancei,-

basedi,-oni,-lossi,-experience.

Juliei,-musti,-havei,-orthodontici,-worki,-performedi,-oni,-heri,-incisors.i,-

Whichi,-typei,-ofi,-servicei,-wouldi,-thisi,-bei,-called,i,-underi,-ai,-nonscheduledi,-

plan?i,-A.i,-minori,-servicei,-b.i,-repairi,-servicei,-c.i,-majori,-servicei,-d.i,-basici,-

servicei,-i,- i,-c.i,-majori,-service

Ani,-insuredi,-doesi,-noti,-havei,-toi,-payi,-coinsurancei,-ori,-deductiblesi,-oni,-ai,-

fulli,-seriesi,-ofi,-mouthi,-xrayi,-buti,-doesi,-havei,-toi,-payi,-ai,-deductiblei,-toi,-geti,-

hisi,-cavitiesi,-filled.i,-Whichi,-dentali,-plani,-doesi,-hei,-have?i,-A.i,-

nonscheduledi,-b.i,-limitedi,-c.i,-procedurei,-based.i,-d.i,-scheduled.i,-i,- i,-a.i,-

nonscheduled.

Priori,-toi,-issuancei,-ofi,-ai,-ltci,-policyi,-toi,-ani,-applicanti,-agei,- 80 i,-ori,-older,i,-

thei,-insureri,-musti,-obtaini,-alli,-ofi,-thei,-followingi,-EXCEPT...i,-a.i,-datei,-ofi,-

previousi,-doctori,-visit.i,-b.i,-reporti,-ofi,-ai,-physicali,-examinationi,-ori,-

assessmenti,-ofi,-functionali,-capacity.i,-c.i,-attendingi,-physician'si,-reporti,-

d.i,-copiesi,-ofi,-medicali,-recordsi,-i,- i,-A.i,-datei,-ofi,-previousi,-doctori,-visit.

Underi,-mosti,-dentali,-plans,i,-whati,-limitationsi,-arei,-posedi,-fori,-denturei,-

replacement?i,-A.i,-oncei,-everyi,- 5 i,-years.i,-B.i,-oncei,-everyi,- 10 i,-yearsi,-c.i,-noi,-

limitationsi,-d.i,-onlyi,-thei,-initiali,-denturesi,-arei,-covered.i,-i,- i,-A.i,-oncei,-

everyi,- 5 i,-years.

Whichi,-ofi,-thei,-followingi,-statementsi,-isi,-truei,-regardingi,-LTCi,-

insurance?i,-A.i,-everyi,-policyi,-musti,-offeri,-reducedi,-paidi,-upi,-insurancei,-

toi,-thei,-applicant.i,-B.i,-LTCi,-policiesi,-mayi,-noti,-includei,-anyi,-riders.i,-C.i,-LTCi,-

policiesi,-doi,-noti,-havei,-ai,-freei,-looki,-period.i,-D.i,-Everyi,-policyi,-musti,-offeri,-

nonforfeiturei,-benefitsi,-toi,-thei,-applicant.i,-i,- i,-D.i,-Everyi,-policyi,-musti,-

offeri,-nonforfeiturei,-benefitsi,-toi,-thei,-applicant.

Ani,-insuredi,-isi,-scheduledi,-toi,-havei,-twoi,-cavitiesi,-filled.i,-Hei,-knowsi,-ini,-

advancei,-whati,-benefitsi,-willi,-bei,-paidi,-fori,-thei,-procedure.i,-Whichi,-

clausei,-isi,-responsiblei,-fori,-thei,-advancedi,-notification.i,-A.i,-Scheduledi,-

benefitsi,-b.i,-advancedi,-benefiti,-notificationi,-c.i,-priori,-authorizationi,-d.i,-

fixedi,-ratei,-i,- i,-C.i,-priori,-authorization

Ini,-whichi,-ofi,-thei,-followingi,-situationsi,-wouldi,-Sociali,-securityi,-

disabilityi,-benefitsi,-noti,-cease?i,-A.i,-thei,-individuali,-hasi,-undergonei,-

therapyi,-andi,-isi,-noi,-longeri,-disabled.i,-b.i,-thei,-individual'si,-soni,-getsi,-ai,-

part-timei,-jobi,-toi,-helpi,-supporti,-thei,-family.i,-c.i,-thei,-individuali,-reachesi,-

agei,-65.i,-d.i,-thei,-individuali,-diesi,-i,- i,-b.i,-thei,-individual'si,-soni,-getsi,-ai,-

parti,-timei,-jobi,-toi,-helpi,-supporti,-thei,-family

Ani,-individuali,-whoi,-advisesi,-personsi,-abouti,-theiri,-insurancei,-ori,-

annuityi,-contractsi,-regardingi,-coverage,i,-advisability,i,-rights,i,-ori,-

interesti,-underi,-thei,-contracti,-wouldi,-bei,-called.i,-A.i,-ani,-adjuster.i,-B.i,-ani,-

agent.i,-c.i,-ani,-administratori,-d.i,-ai,-consultanti,-i,- i,-d.i,-ai,-consultant

Whichi,-ofi,-thei,-followingi,-wouldi,-bei,-consideredi,-ani,-illegali,-

inducementi,-toi,-purchasei,-insurance?i,-a.i,-confirmingi,-futurei,-

dividendsi,-ini,-ai,-lifei,-insurancei,-proposali,-b.i,-mailingi,-ani,-agencyi,-

brochurei,-toi,-ai,-prospectivei,-client.i,-c.i,-listingi,-thei,-insurancei,-

companiesi,-thei,-agencyi,-representsi,-ini,-ai,-letter.i,-d.i,-invitingi,-

prospectivei,-clientsi,-toi,-thei,-thei,-grandi,-openingi,-ofi,-thei,-producer'si,-

newi,-officei,-i,- i,-a.i,-confirmingi,-futurei,-dividendsi,-ini,-ai,-lifei,-insurancei,-

proposal

Ai,-personi,-ori,-businessi,-entityi,-whoi,-collectsi,-premiumsi,-and/ori,-adjustsi,-

ori,-settlesi,-lifei,-ori,-healthi,-insurancei,-claimsi,-oni,-residentsi,-ofi,-Kentuckyi,-

musti,-havei,-whichi,-license?i,-a.i,-ani,-agent'si,-licensei,-b.i,-ani,-adjuster'si,-

licensei,-c.i,-ai,-consultant'si,-licensei,-d.i,-ani,-administrator'si,-licensei,-i,- i,-d.i,-

ani,-administrator'si,-license

Ani,-agenti,-isi,- 23 i,-yearsi,-old,i,-buti,-wantsi,-toi,-bei,-ai,-consultant.i,-Ifi,-hei,-justi,-

receivedi,-hisi,-agenti,-license,i,-howi,-oldi,-willi,-hei,-bei,-wheni,-hei,-cani,-applyi,-

toi,-bei,-ai,-consultant?i,-a.i,- 26 i,-b.i,- 25 i,-c.28i,-d.i,-hei,-cani,-applyi,-now.i,-i,- i,-c.i,-28:i,-

hei,-willi,-havei,-toi,-waiti,-untili,-hei,-hasi,- 5 i,-yearsi,-ofi,-actuali,-experiencei,-asi,-ai,-

licensedi,-agent.

Coveragei,-oni,-newi,-crediti,-transactionsi,-isi,-effectivei,-asi,-of:i,-a.i,-thei,-

policy'si,-effectivei,-date.i,-b.i,-thei,-debtor'si,-birthdayi,-c.i,-thei,-datei,-thei,-

debtori,-becomesi,-obligatedi,-toi,-thei,-creditor.i,-d.i,-thei,-datei,-thei,-insureri,-

determinesi,-thei,-evidencei,-toi,-bei,-satisfactory.i,-i,- i,-c.i,-thei,-datei,-thei,-

debtori,-becomesi,-obligatedi,-toi,-thei,-creditor.

Underi,-thei,-uniformi,-requiredi,-provisions,i,-proofi,-ofi,-lossi,-underi,-ai,-

healthi,-insurancei,-policyi,-normallyi,-shouldi,-bei,-filedi,-within...i,-a.i,- 60 i,-

daysi,-b.i,- 90 i,-daysi,-c.i,- 20 i,-daysi,-d.i,- 30 i,-daysi,-i,- i,-b.i,- 90 i,-days

Whichi,-ofi,-thei,-followingi,-longi,-termi,-carei,-benefitsi,-wouldi,-providei,-

coveragei,-fori,-carei,-fori,-functionallyi,-impairedi,-adultsi,-oni,-ai,-lessi,-thani,-

24 i,-houri,-basis?i,-a.i,-adulti,-dayi,-carei,-b.i,-residentiali,-carei,-c.i,-assistedi,-

livingi,-d.i,-homei,-healthi,-carei,-i,- i,-a.i,-adulti,-dayi,-care

whichi,-ofi,-thei,-followingi,-statementsi,-abouti,-occupationi,-vsi,-

nonoccupationali,-coveragei,-isi,-true?i,-a.i,-individuali,-disabilityi,-policiesi,-

neveri,-coveri,-nonoccupationali,-injuries.i,-b.i,-onlyi,-groupi,-disabilityi,-

policiesi,-cani,-bei,-writteni,-asi,-occupationi,-basis.i,-c.i,-disabilityi,-insurancei,-

cani,-bei,-writteni,-asi,-occupationali,-ori,-nonoccupational.i,-d.i,-groupi,-

medicali,-expensei,-policiesi,-andi,-individuali,-medicali,-expensei,-policiesi,-

alwaysi,-coveri,-bothi,-occupationali,-andi,-nonoccupationali,-injuriesi,-i,- i,-

c.i,-disabilityi,-insurancei,-cani,-bei,-writteni,-asi,-occupationali,-ori,-

nonoccupational

c.i,-thei,-insurancei,-companyi,-receivesi,-thei,-applicationi,-andi,-initiali,-

premium

d.i,-thei,-underwritersi,-approvei,-thei,-applicationi,-i,- i,-d.i,-thei,-

underwritersi,-approvei,-thei,-application

Ani,-employeei,-isi,-insuredi,-byi,-ai,-groupi,-majori,-medicali,-plani,-thati,-isi,-

providedi,-throughi,-heri,-employer.i,-Thei,-emi,-i,-