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最新的 California Department of Insurance Certification CA-Life-Accident-and-Health 免費考試真題:

1. For income tax purposes, premiums for personal life insurance are

A) excluded from the adjusted gross income.
B) tax deferred.
C) not deductible.
D) deductible to the extent that they exceed 7.5% of the adjusted gross income.

2. Regarding the Health Benefit Exchanges, as created by PPACA, all of the following statements are true EXCEPT

A) an individual may only receive a premium tax credit for a plan if purchased through the Exchange.
B) an individual whose household income is 400% of the federal poverty level may receive a premium tax credit.
C) the name of California's Exchange is Covered California.
D) an individual enrolling in a bronze level plan is not eligible for reduced cost-sharing.

3. During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's

A) goals and needs.
B) existing long term care coverage.
C) ability to pay for the coverage.
D) attending physician statement.

4. Risk can be defined as all of the following EXCEPT

A) uncertainty.
B) the chance of loss.
C) the cause of loss.
D) the probability of an unexpected outcome.

5. In long-term care policies, which of the following is an activity of daily living?

A) Driving
B) Working
C) Bathing
D) Breathing

問題與答案：