Question 1

An Insurer, in general business practice, fails to promptly provide a reasonable explanation for the denial of a

claim. This is considered to be

Options :

A : a contractual liability.

B : an unfair claim settlement practice.

C : a violation of the grace period provision.

D : a fraudulent insurance act.

Answer: B

Question 2

An illness or disease which is first diagnosed and treated while the policy is in force is considered

Options :

A : a sickness.

B : an exclusion.

C : an accidental injury.

D : a preexisting condition.

Answer: A

Question 3

Which of the following is a branch of dentistry dealing with the replacement of missing parts?

Options :

A : Periodontics

B : Endodontics

C : Prosthodontics

D : Orthodontics

Answer: C

Question 4

An Insurance producer may NOT withdraw funds from a premium trust account to

Options :

A : pay premium to insurers.

B : pay claims to an insured.

C : return deposits to insureds.

D : return premiums to an insured.

Answer: B

Question 5

Which of the following policies generally does NOT have a cash value?

Options :

A : endowment

B : variable life

C : straight life

D : term

Answer: D

Free PA-Life-Accident-and-Health Mock Exam – Practice Online Confidently