{"id":116527,"date":"2025-12-29T08:28:19","date_gmt":"2025-12-29T08:28:19","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=116527"},"modified":"2026-01-02T08:11:25","modified_gmt":"2026-01-02T08:11:25","slug":"start-reading-the-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-1-q1-q40-of-v8-02-today-to-verify-the-quality","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/start-reading-the-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-1-q1-q40-of-v8-02-today-to-verify-the-quality.html","title":{"rendered":"Start Reading the Ok Life Accident and Health or Sickness Producer Free Dumps (Part 1, Q1-Q40) of V8.02 Today to Verify the Quality"},"content":{"rendered":"<p>DumpsBase offers the latest Ok Life Accident and Health or Sickness Producer dumps (V8.02) to help you prepare for your exam. The professional team has designed 210 questions and answers based on the actual exam objectives. Our Q&amp;As can be read in a PDF format, which can be downloaded instantly to your PC, laptop, Mac, tablet, or smartphone. Additionally, we have software to improve your readiness by practicing Oklahoma Life, Accident, and Health or Sickness Producer exam questions. This software will come for free if you choose to purchase the PDF file. It follows the real exam pattern and helps you evaluate your preparation and correct mistakes. The software enables you to practice real Ok Life Accident and Health or Sickness Producer exam questions in an environment that simulates the actual exam, helping you familiarize yourself with its format and build confidence. Pass your exam on your first try by learning our Ok Life Accident and Health or Sickness Producer dumps (V8.02) effectively.<\/p>\n<h2>Start reading our <span style=\"background-color: #ffff00;\"><em>Ok Life Accident and Health or Sickness Producer free dumps (Part 1, Q1-Q40) of V8.02<\/em><\/span> below:<\/h2>\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam11349\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-11349\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-11349\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-446103'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>Insurance companies are required to protect all nonpublic personal information of their customers and adequately explain their information-sharing practices. <br \/>\r<br>Which act requires these security measures?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='446103' \/><input type='hidden' id='answerType446103' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446103[]' id='answer-id-1726154' class='answer   answerof-446103 ' value='1726154'   \/><label for='answer-id-1726154' id='answer-label-1726154' class=' answer'><span>Gramm-Leach-Bliley Act<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446103[]' id='answer-id-1726155' class='answer   answerof-446103 ' value='1726155'   \/><label for='answer-id-1726155' id='answer-label-1726155' class=' answer'><span>Glass-Steagall Act<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446103[]' id='answer-id-1726156' class='answer   answerof-446103 ' value='1726156'   \/><label for='answer-id-1726156' id='answer-label-1726156' class=' answer'><span>HIPAA<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446103[]' id='answer-id-1726157' class='answer   answerof-446103 ' value='1726157'   \/><label for='answer-id-1726157' id='answer-label-1726157' class=' answer'><span>Consumer Protection Act<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-446104'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>Brenda signed up for a million-dollar term policy. During the medical questionnaire, she deliberately chose not to disclose that in the past she was treated for high blood pressure. <br \/>\r<br>If found out, how will this affect her pending application?<\/div><input type='hidden' name='question_id[]' id='qID_2' value='446104' \/><input type='hidden' id='answerType446104' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446104[]' id='answer-id-1726158' class='answer   answerof-446104 ' value='1726158'   \/><label for='answer-id-1726158' id='answer-label-1726158' class=' answer'><span>The pending application will be terminated automatically.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446104[]' id='answer-id-1726159' class='answer   answerof-446104 ' value='1726159'   \/><label for='answer-id-1726159' id='answer-label-1726159' class=' answer'><span>If the treatment is not ongoing, then she was not required to disclose previous confidential medical information.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446104[]' id='answer-id-1726160' class='answer   answerof-446104 ' value='1726160'   \/><label for='answer-id-1726160' id='answer-label-1726160' class=' answer'><span>Her risk will be reassessed, then she will be offered a new premium accordingly.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446104[]' id='answer-id-1726161' class='answer   answerof-446104 ' value='1726161'   \/><label for='answer-id-1726161' id='answer-label-1726161' class=' answer'><span>Withholding pertinent information could be considered fraud. By federal guidelines, she may be ineligible to reapply for 90 days.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-446105'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>Which of the following policies pays out a lump sum in the event of diagnosis?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='446105' \/><input type='hidden' id='answerType446105' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446105[]' id='answer-id-1726162' class='answer   answerof-446105 ' value='1726162'   \/><label for='answer-id-1726162' id='answer-label-1726162' class=' answer'><span>Hospital Indemnity<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446105[]' id='answer-id-1726163' class='answer   answerof-446105 ' value='1726163'   \/><label for='answer-id-1726163' id='answer-label-1726163' class=' answer'><span>Long-term disability<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446105[]' id='answer-id-1726164' class='answer   answerof-446105 ' value='1726164'   \/><label for='answer-id-1726164' id='answer-label-1726164' class=' answer'><span>Cancer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446105[]' id='answer-id-1726165' class='answer   answerof-446105 ' value='1726165'   \/><label for='answer-id-1726165' id='answer-label-1726165' class=' answer'><span>Short-term Disability<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-446106'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>Jack enters his local life insurance agent's office to purchase a life insurance policy. He's worried that his family won't be able to cover necessary expenses should anything happen to him. Throughout the application process, Jack slurs his words and smells of whiskey. <br \/>\r<br>What should the agent do?<\/div><input type='hidden' name='question_id[]' id='qID_4' value='446106' \/><input type='hidden' id='answerType446106' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446106[]' id='answer-id-1726166' class='answer   answerof-446106 ' value='1726166'   \/><label for='answer-id-1726166' id='answer-label-1726166' class=' answer'><span>Continue the application. Jack will be sober by the time he takes his medical exam.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446106[]' id='answer-id-1726167' class='answer   answerof-446106 ' value='1726167'   \/><label for='answer-id-1726167' id='answer-label-1726167' class=' answer'><span>Have Jack return when he's sober, then ignore the initial incident altogether and proceed as usual.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446106[]' id='answer-id-1726168' class='answer   answerof-446106 ' value='1726168'   \/><label for='answer-id-1726168' id='answer-label-1726168' class=' answer'><span>Have Jack return in a more sober state but advise him that\u2015as with cigarette use\u2015he cannot be quoted in a preferred table rating.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446106[]' id='answer-id-1726169' class='answer   answerof-446106 ' value='1726169'   \/><label for='answer-id-1726169' id='answer-label-1726169' class=' answer'><span>Inform Jack that alcohol abuse makes him ineligible for a life policy.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-446107'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Gabriella just lost her husband a few weeks ago and was informed that she is eligible for a Social Security Lump Sum Death Payment. <br \/>\r<br>How much money can she expect to receive?<\/div><input type='hidden' name='question_id[]' id='qID_5' value='446107' \/><input type='hidden' id='answerType446107' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446107[]' id='answer-id-1726170' class='answer   answerof-446107 ' value='1726170'   \/><label for='answer-id-1726170' id='answer-label-1726170' class=' answer'><span>$10,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446107[]' id='answer-id-1726171' class='answer   answerof-446107 ' value='1726171'   \/><label for='answer-id-1726171' id='answer-label-1726171' class=' answer'><span>$2,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446107[]' id='answer-id-1726172' class='answer   answerof-446107 ' value='1726172'   \/><label for='answer-id-1726172' id='answer-label-1726172' class=' answer'><span>$1,500<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446107[]' id='answer-id-1726173' class='answer   answerof-446107 ' value='1726173'   \/><label for='answer-id-1726173' id='answer-label-1726173' class=' answer'><span>$255<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-446108'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Jeff wants to sign up for a whole life policy, but he works the night shift, so he isn't available to meet during business hours. <br \/>\r<br>How should Jeff proceed?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='446108' \/><input type='hidden' id='answerType446108' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446108[]' id='answer-id-1726174' class='answer   answerof-446108 ' value='1726174'   \/><label for='answer-id-1726174' id='answer-label-1726174' class=' answer'><span>Life insurance is unavailable for those who work night shifts.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446108[]' id='answer-id-1726175' class='answer   answerof-446108 ' value='1726175'   \/><label for='answer-id-1726175' id='answer-label-1726175' class=' answer'><span>He can send his wife to sign in his stead, so long as the agent obtains permission in advance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446108[]' id='answer-id-1726176' class='answer   answerof-446108 ' value='1726176'   \/><label for='answer-id-1726176' id='answer-label-1726176' class=' answer'><span>He will have to forego initiating a policy until he finds time to sign in person.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446108[]' id='answer-id-1726177' class='answer   answerof-446108 ' value='1726177'   \/><label for='answer-id-1726177' id='answer-label-1726177' class=' answer'><span>Jeff can sign all applicable documents online.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-446109'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>Brad's age was entered incorrectly on his life insurance application and was not discovered until nearly 40 years later, after he died. <br \/>\r<br>What will happen to the payout of the policy?<\/div><input type='hidden' name='question_id[]' id='qID_7' value='446109' \/><input type='hidden' id='answerType446109' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446109[]' id='answer-id-1726178' class='answer   answerof-446109 ' value='1726178'   \/><label for='answer-id-1726178' id='answer-label-1726178' class=' answer'><span>The death benefit will be paid out in full due to being outside the contestability period.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446109[]' id='answer-id-1726179' class='answer   answerof-446109 ' value='1726179'   \/><label for='answer-id-1726179' id='answer-label-1726179' class=' answer'><span>The death benefit will be prorated by the number of years Brad's application was incorrect.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446109[]' id='answer-id-1726180' class='answer   answerof-446109 ' value='1726180'   \/><label for='answer-id-1726180' id='answer-label-1726180' class=' answer'><span>The death benefit will be paid out in full minus the difference in the premiums he would have paid had the application been correct.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446109[]' id='answer-id-1726181' class='answer   answerof-446109 ' value='1726181'   \/><label for='answer-id-1726181' id='answer-label-1726181' class=' answer'><span>Brad's death benefit will not be paid out due to the misrepresentation of crucial risk-based data.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-446110'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>Which of the following life insurance death benefit settlement options would provide regularly scheduled payments until the beneficiary passed away?<\/div><input type='hidden' name='question_id[]' id='qID_8' value='446110' \/><input type='hidden' id='answerType446110' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446110[]' id='answer-id-1726182' class='answer   answerof-446110 ' value='1726182'   \/><label for='answer-id-1726182' id='answer-label-1726182' class=' answer'><span>Fixed amount<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446110[]' id='answer-id-1726183' class='answer   answerof-446110 ' value='1726183'   \/><label for='answer-id-1726183' id='answer-label-1726183' class=' answer'><span>Life-only<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446110[]' id='answer-id-1726184' class='answer   answerof-446110 ' value='1726184'   \/><label for='answer-id-1726184' id='answer-label-1726184' class=' answer'><span>Fixed period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446110[]' id='answer-id-1726185' class='answer   answerof-446110 ' value='1726185'   \/><label for='answer-id-1726185' id='answer-label-1726185' class=' answer'><span>Interest only<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-446111'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>Which life insurance product is a permanent life insurance plan that guarantees a set death benefit and premiums that do not change for the life of the policy?<\/div><input type='hidden' name='question_id[]' id='qID_9' value='446111' \/><input type='hidden' id='answerType446111' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446111[]' id='answer-id-1726186' class='answer   answerof-446111 ' value='1726186'   \/><label for='answer-id-1726186' id='answer-label-1726186' class=' answer'><span>Universal Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446111[]' id='answer-id-1726187' class='answer   answerof-446111 ' value='1726187'   \/><label for='answer-id-1726187' id='answer-label-1726187' class=' answer'><span>Whole Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446111[]' id='answer-id-1726188' class='answer   answerof-446111 ' value='1726188'   \/><label for='answer-id-1726188' id='answer-label-1726188' class=' answer'><span>Level Term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446111[]' id='answer-id-1726189' class='answer   answerof-446111 ' value='1726189'   \/><label for='answer-id-1726189' id='answer-label-1726189' class=' answer'><span>Indexed Life<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-446112'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>Each of the following is a benefit for new members joining a group health insurance policy except:<\/div><input type='hidden' name='question_id[]' id='qID_10' value='446112' \/><input type='hidden' id='answerType446112' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446112[]' id='answer-id-1726190' class='answer   answerof-446112 ' value='1726190'   \/><label for='answer-id-1726190' id='answer-label-1726190' class=' answer'><span>Coverage of pre-existing conditions<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446112[]' id='answer-id-1726191' class='answer   answerof-446112 ' value='1726191'   \/><label for='answer-id-1726191' id='answer-label-1726191' class=' answer'><span>Reduced cost<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446112[]' id='answer-id-1726192' class='answer   answerof-446112 ' value='1726192'   \/><label for='answer-id-1726192' id='answer-label-1726192' class=' answer'><span>Choice of provider<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446112[]' id='answer-id-1726193' class='answer   answerof-446112 ' value='1726193'   \/><label for='answer-id-1726193' id='answer-label-1726193' class=' answer'><span>No waiting period<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-446113'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>Which policy provision allows the insurance company to automatically use funds from the policy cash value to pay unpaid life insurance premiums?<\/div><input type='hidden' name='question_id[]' id='qID_11' value='446113' \/><input type='hidden' id='answerType446113' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446113[]' id='answer-id-1726194' class='answer   answerof-446113 ' value='1726194'   \/><label for='answer-id-1726194' id='answer-label-1726194' class=' answer'><span>Grace Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446113[]' id='answer-id-1726195' class='answer   answerof-446113 ' value='1726195'   \/><label for='answer-id-1726195' id='answer-label-1726195' class=' answer'><span>Flexible Premium Model<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446113[]' id='answer-id-1726196' class='answer   answerof-446113 ' value='1726196'   \/><label for='answer-id-1726196' id='answer-label-1726196' class=' answer'><span>Non-forfeiture Option<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446113[]' id='answer-id-1726197' class='answer   answerof-446113 ' value='1726197'   \/><label for='answer-id-1726197' id='answer-label-1726197' class=' answer'><span>Automatic Premium Loan<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-446114'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>Bill purchased his home last month and has already begun to receive mail solicitations regarding life insurance with a death benefit tied to the balance of his mortgage loan. <br \/>\r<br>What type of life insurance policy are these companies advertising?<\/div><input type='hidden' name='question_id[]' id='qID_12' value='446114' \/><input type='hidden' id='answerType446114' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446114[]' id='answer-id-1726198' class='answer   answerof-446114 ' value='1726198'   \/><label for='answer-id-1726198' id='answer-label-1726198' class=' answer'><span>Escrow Term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446114[]' id='answer-id-1726199' class='answer   answerof-446114 ' value='1726199'   \/><label for='answer-id-1726199' id='answer-label-1726199' class=' answer'><span>Indexed Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446114[]' id='answer-id-1726200' class='answer   answerof-446114 ' value='1726200'   \/><label for='answer-id-1726200' id='answer-label-1726200' class=' answer'><span>Limited-Pay<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446114[]' id='answer-id-1726201' class='answer   answerof-446114 ' value='1726201'   \/><label for='answer-id-1726201' id='answer-label-1726201' class=' answer'><span>Decreasing Term<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-446115'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>Which policy provision stipulates the premium charges to be made in exchange for the guarantee of coverage by the insurance company?<\/div><input type='hidden' name='question_id[]' id='qID_13' value='446115' \/><input type='hidden' id='answerType446115' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446115[]' id='answer-id-1726202' class='answer   answerof-446115 ' value='1726202'   \/><label for='answer-id-1726202' id='answer-label-1726202' class=' answer'><span>Consideration<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446115[]' id='answer-id-1726203' class='answer   answerof-446115 ' value='1726203'   \/><label for='answer-id-1726203' id='answer-label-1726203' class=' answer'><span>Incontestability<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446115[]' id='answer-id-1726204' class='answer   answerof-446115 ' value='1726204'   \/><label for='answer-id-1726204' id='answer-label-1726204' class=' answer'><span>Premium Payment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446115[]' id='answer-id-1726205' class='answer   answerof-446115 ' value='1726205'   \/><label for='answer-id-1726205' id='answer-label-1726205' class=' answer'><span>Settlement Options<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-446116'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>When multiple disability insurance companies are handling the same claim and have agreed to split the responsibility to avoid exceeding the total loss sustained, which process begins?<\/div><input type='hidden' name='question_id[]' id='qID_14' value='446116' \/><input type='hidden' id='answerType446116' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446116[]' id='answer-id-1726206' class='answer   answerof-446116 ' value='1726206'   \/><label for='answer-id-1726206' id='answer-label-1726206' class=' answer'><span>Coordination of Benefits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446116[]' id='answer-id-1726207' class='answer   answerof-446116 ' value='1726207'   \/><label for='answer-id-1726207' id='answer-label-1726207' class=' answer'><span>Nonduplication of Benefits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446116[]' id='answer-id-1726208' class='answer   answerof-446116 ' value='1726208'   \/><label for='answer-id-1726208' id='answer-label-1726208' class=' answer'><span>Actual Loss Doctrine<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446116[]' id='answer-id-1726209' class='answer   answerof-446116 ' value='1726209'   \/><label for='answer-id-1726209' id='answer-label-1726209' class=' answer'><span>Limitation Clause<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-446117'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Jim owns a return of premium policy. Due to losing his job, he cannot complete the last five years of his policy and terminates the life insurance plan. <br \/>\r<br>What will happen to the cash value within his policy?<\/div><input type='hidden' name='question_id[]' id='qID_15' value='446117' \/><input type='hidden' id='answerType446117' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446117[]' id='answer-id-1726210' class='answer   answerof-446117 ' value='1726210'   \/><label for='answer-id-1726210' id='answer-label-1726210' class=' answer'><span>He will forfeit the entire cash value.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446117[]' id='answer-id-1726211' class='answer   answerof-446117 ' value='1726211'   \/><label for='answer-id-1726211' id='answer-label-1726211' class=' answer'><span>He will be required to pay an IRS penalty of 10% for early withdrawal.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446117[]' id='answer-id-1726212' class='answer   answerof-446117 ' value='1726212'   \/><label for='answer-id-1726212' id='answer-label-1726212' class=' answer'><span>He will receive his cash value pro-rata.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446117[]' id='answer-id-1726213' class='answer   answerof-446117 ' value='1726213'   \/><label for='answer-id-1726213' id='answer-label-1726213' class=' answer'><span>Cash value is held by the insurance company until the remaining years of premiums are paid.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-446118'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>Debra recently purchased a life insurance policy and soon after regretted the decision. <br \/>\r<br>Which policy provision would assist her in getting a refund of her premium payment?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='446118' \/><input type='hidden' id='answerType446118' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446118[]' id='answer-id-1726214' class='answer   answerof-446118 ' value='1726214'   \/><label for='answer-id-1726214' id='answer-label-1726214' class=' answer'><span>Return Policy<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446118[]' id='answer-id-1726215' class='answer   answerof-446118 ' value='1726215'   \/><label for='answer-id-1726215' id='answer-label-1726215' class=' answer'><span>Satisfaction Guarantee<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446118[]' id='answer-id-1726216' class='answer   answerof-446118 ' value='1726216'   \/><label for='answer-id-1726216' id='answer-label-1726216' class=' answer'><span>Free Look<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446118[]' id='answer-id-1726217' class='answer   answerof-446118 ' value='1726217'   \/><label for='answer-id-1726217' id='answer-label-1726217' class=' answer'><span>Consideration Clause<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-446119'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>Bill just joined ABC Paper Company as a clerk. His HR representative provided him with a benefits package including $25,000 of life insurance paid by his employer. <br \/>\r<br>This group life insurance policy is which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_17' value='446119' \/><input type='hidden' id='answerType446119' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446119[]' id='answer-id-1726218' class='answer   answerof-446119 ' value='1726218'   \/><label for='answer-id-1726218' id='answer-label-1726218' class=' answer'><span>Contributory<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446119[]' id='answer-id-1726219' class='answer   answerof-446119 ' value='1726219'   \/><label for='answer-id-1726219' id='answer-label-1726219' class=' answer'><span>Employee-owned<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446119[]' id='answer-id-1726220' class='answer   answerof-446119 ' value='1726220'   \/><label for='answer-id-1726220' id='answer-label-1726220' class=' answer'><span>Noncontributory<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446119[]' id='answer-id-1726221' class='answer   answerof-446119 ' value='1726221'   \/><label for='answer-id-1726221' id='answer-label-1726221' class=' answer'><span>Employer-owned<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-446120'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>Which of the following terms is NOT used to help determine allowable amounts of payment for medical services by insurance companies?<\/div><input type='hidden' name='question_id[]' id='qID_18' value='446120' \/><input type='hidden' id='answerType446120' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446120[]' id='answer-id-1726222' class='answer   answerof-446120 ' value='1726222'   \/><label for='answer-id-1726222' id='answer-label-1726222' class=' answer'><span>Customary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446120[]' id='answer-id-1726223' class='answer   answerof-446120 ' value='1726223'   \/><label for='answer-id-1726223' id='answer-label-1726223' class=' answer'><span>Reasonable<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446120[]' id='answer-id-1726224' class='answer   answerof-446120 ' value='1726224'   \/><label for='answer-id-1726224' id='answer-label-1726224' class=' answer'><span>Necessary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446120[]' id='answer-id-1726225' class='answer   answerof-446120 ' value='1726225'   \/><label for='answer-id-1726225' id='answer-label-1726225' class=' answer'><span>Usual<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-446121'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>Betty took out a life insurance policy four years ago and now wishes she had taken out twice as much life insurance. She demands her agent double her coverage immediately and charge her twice the premium. The insurance company declines to do so. <br \/>\r<br>Which part of the life insurance policy would the life insurance company reference in their response?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='446121' \/><input type='hidden' id='answerType446121' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446121[]' id='answer-id-1726226' class='answer   answerof-446121 ' value='1726226'   \/><label for='answer-id-1726226' id='answer-label-1726226' class=' answer'><span>Retribution doctrine<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446121[]' id='answer-id-1726227' class='answer   answerof-446121 ' value='1726227'   \/><label for='answer-id-1726227' id='answer-label-1726227' class=' answer'><span>Unilateral defense<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446121[]' id='answer-id-1726228' class='answer   answerof-446121 ' value='1726228'   \/><label for='answer-id-1726228' id='answer-label-1726228' class=' answer'><span>Adhesion<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446121[]' id='answer-id-1726229' class='answer   answerof-446121 ' value='1726229'   \/><label for='answer-id-1726229' id='answer-label-1726229' class=' answer'><span>Fluid Transition Restriction (FTR)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-446122'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>John is 3 years into a 20-year level term life policy, and his health has declined significantly since the policy's inception. He'd prefer a permanent whole-life policy now instead of his current term. <br \/>\r<br>What special feature of term life insurance would allow him to make such a change?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='446122' \/><input type='hidden' id='answerType446122' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446122[]' id='answer-id-1726230' class='answer   answerof-446122 ' value='1726230'   \/><label for='answer-id-1726230' id='answer-label-1726230' class=' answer'><span>Conversion<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446122[]' id='answer-id-1726231' class='answer   answerof-446122 ' value='1726231'   \/><label for='answer-id-1726231' id='answer-label-1726231' class=' answer'><span>Policy Rider<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446122[]' id='answer-id-1726232' class='answer   answerof-446122 ' value='1726232'   \/><label for='answer-id-1726232' id='answer-label-1726232' class=' answer'><span>Accelerated Death Benefit<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446122[]' id='answer-id-1726233' class='answer   answerof-446122 ' value='1726233'   \/><label for='answer-id-1726233' id='answer-label-1726233' class=' answer'><span>Return of Premium<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-446123'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>Ross was terminated from his job and is concerned he will no longer have health insurance coverage. His HR rep states that Ross can continue his insurance temporarily by paying the portion of premium that his employer paid up until this point. <br \/>\r<br>Which act of Congress provided this option?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='446123' \/><input type='hidden' id='answerType446123' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446123[]' id='answer-id-1726234' class='answer   answerof-446123 ' value='1726234'   \/><label for='answer-id-1726234' id='answer-label-1726234' class=' answer'><span>Medicare for America Act of 2019<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446123[]' id='answer-id-1726235' class='answer   answerof-446123 ' value='1726235'   \/><label for='answer-id-1726235' id='answer-label-1726235' class=' answer'><span>Consolidated Omnibus Budget Reconciliation Act<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446123[]' id='answer-id-1726236' class='answer   answerof-446123 ' value='1726236'   \/><label for='answer-id-1726236' id='answer-label-1726236' class=' answer'><span>Affordable Care Act<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446123[]' id='answer-id-1726237' class='answer   answerof-446123 ' value='1726237'   \/><label for='answer-id-1726237' id='answer-label-1726237' class=' answer'><span>Health Maintenance Organization Act of 1973<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-446124'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>Indexed life insurance policies pay interest based on the performance of which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_22' value='446124' \/><input type='hidden' id='answerType446124' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446124[]' id='answer-id-1726238' class='answer   answerof-446124 ' value='1726238'   \/><label for='answer-id-1726238' id='answer-label-1726238' class=' answer'><span>Dow Jones<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446124[]' id='answer-id-1726239' class='answer   answerof-446124 ' value='1726239'   \/><label for='answer-id-1726239' id='answer-label-1726239' class=' answer'><span>US Consumer Price Index (CPI)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446124[]' id='answer-id-1726240' class='answer   answerof-446124 ' value='1726240'   \/><label for='answer-id-1726240' id='answer-label-1726240' class=' answer'><span>US Treasury note yields<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446124[]' id='answer-id-1726241' class='answer   answerof-446124 ' value='1726241'   \/><label for='answer-id-1726241' id='answer-label-1726241' class=' answer'><span>Mutual Funds<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-446125'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>Madeline and Jacques have a single life insurance policy that pays no matter which one of them passes away first. This type of policy is known as which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_23' value='446125' \/><input type='hidden' id='answerType446125' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446125[]' id='answer-id-1726242' class='answer   answerof-446125 ' value='1726242'   \/><label for='answer-id-1726242' id='answer-label-1726242' class=' answer'><span>Level Term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446125[]' id='answer-id-1726243' class='answer   answerof-446125 ' value='1726243'   \/><label for='answer-id-1726243' id='answer-label-1726243' class=' answer'><span>Joint Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446125[]' id='answer-id-1726244' class='answer   answerof-446125 ' value='1726244'   \/><label for='answer-id-1726244' id='answer-label-1726244' class=' answer'><span>Survivorship Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446125[]' id='answer-id-1726245' class='answer   answerof-446125 ' value='1726245'   \/><label for='answer-id-1726245' id='answer-label-1726245' class=' answer'><span>Flexible Premium Annuity<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-24' style=';'><div id='questionWrap-24'  class='   watupro-question-id-446126'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>Which of the following is NOT an element of a contract?<\/div><input type='hidden' name='question_id[]' id='qID_24' value='446126' \/><input type='hidden' id='answerType446126' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446126[]' id='answer-id-1726246' class='answer   answerof-446126 ' value='1726246'   \/><label for='answer-id-1726246' id='answer-label-1726246' class=' answer'><span>Consideration<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446126[]' id='answer-id-1726247' class='answer   answerof-446126 ' value='1726247'   \/><label for='answer-id-1726247' id='answer-label-1726247' class=' answer'><span>Offer and Acceptance<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446126[]' id='answer-id-1726248' class='answer   answerof-446126 ' value='1726248'   \/><label for='answer-id-1726248' id='answer-label-1726248' class=' answer'><span>Compliant Parties<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446126[]' id='answer-id-1726249' class='answer   answerof-446126 ' value='1726249'   \/><label for='answer-id-1726249' id='answer-label-1726249' class=' answer'><span>Legal Purpose<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-25' style=';'><div id='questionWrap-25'  class='   watupro-question-id-446127'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>Health Savings Accounts (HSAs) are most commonly associated with which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_25' value='446127' \/><input type='hidden' id='answerType446127' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446127[]' id='answer-id-1726250' class='answer   answerof-446127 ' value='1726250'   \/><label for='answer-id-1726250' id='answer-label-1726250' class=' answer'><span>High Deductible Health Plans<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446127[]' id='answer-id-1726251' class='answer   answerof-446127 ' value='1726251'   \/><label for='answer-id-1726251' id='answer-label-1726251' class=' answer'><span>Preferred Provider Organizations<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446127[]' id='answer-id-1726252' class='answer   answerof-446127 ' value='1726252'   \/><label for='answer-id-1726252' id='answer-label-1726252' class=' answer'><span>Health Maintenance Organizations<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446127[]' id='answer-id-1726253' class='answer   answerof-446127 ' value='1726253'   \/><label for='answer-id-1726253' id='answer-label-1726253' class=' answer'><span>Health Reimbursement Accounts<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-26' style=';'><div id='questionWrap-26'  class='   watupro-question-id-446128'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Bob reached his $5,000 health insurance deductible, and his doctor informed him that he will now be responsible for 20% of any future medical costs. <br \/>\r<br>Which term best describes Bob's portion of his medical bills going forward?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='446128' \/><input type='hidden' id='answerType446128' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446128[]' id='answer-id-1726254' class='answer   answerof-446128 ' value='1726254'   \/><label for='answer-id-1726254' id='answer-label-1726254' class=' answer'><span>Post-deductible<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446128[]' id='answer-id-1726255' class='answer   answerof-446128 ' value='1726255'   \/><label for='answer-id-1726255' id='answer-label-1726255' class=' answer'><span>Co-insurance<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446128[]' id='answer-id-1726256' class='answer   answerof-446128 ' value='1726256'   \/><label for='answer-id-1726256' id='answer-label-1726256' class=' answer'><span>Co-pay<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446128[]' id='answer-id-1726257' class='answer   answerof-446128 ' value='1726257'   \/><label for='answer-id-1726257' id='answer-label-1726257' class=' answer'><span>Apportionment<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-27' style=';'><div id='questionWrap-27'  class='   watupro-question-id-446129'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>Dave, 24, is a healthy and athletic young man. Upon applying for life insurance, his premium suggestion comes back much higher than expected. <br \/>\r<br>What does Dave likely do for a living?<\/div><input type='hidden' name='question_id[]' id='qID_27' value='446129' \/><input type='hidden' id='answerType446129' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446129[]' id='answer-id-1726258' class='answer   answerof-446129 ' value='1726258'   \/><label for='answer-id-1726258' id='answer-label-1726258' class=' answer'><span>He's a security guard.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446129[]' id='answer-id-1726259' class='answer   answerof-446129 ' value='1726259'   \/><label for='answer-id-1726259' id='answer-label-1726259' class=' answer'><span>He's a car mechanic.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446129[]' id='answer-id-1726260' class='answer   answerof-446129 ' value='1726260'   \/><label for='answer-id-1726260' id='answer-label-1726260' class=' answer'><span>He's an Uber driver.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446129[]' id='answer-id-1726261' class='answer   answerof-446129 ' value='1726261'   \/><label for='answer-id-1726261' id='answer-label-1726261' class=' answer'><span>He's a flight instructor.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-28' style=';'><div id='questionWrap-28'  class='   watupro-question-id-446130'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>Scott purchased an individual disability insurance policy which states that the premium will continue to increase every year. This is an example of which type of disability policy?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='446130' \/><input type='hidden' id='answerType446130' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446130[]' id='answer-id-1726262' class='answer   answerof-446130 ' value='1726262'   \/><label for='answer-id-1726262' id='answer-label-1726262' class=' answer'><span>Adjustable Age<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446130[]' id='answer-id-1726263' class='answer   answerof-446130 ' value='1726263'   \/><label for='answer-id-1726263' id='answer-label-1726263' class=' answer'><span>Attained Age<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446130[]' id='answer-id-1726264' class='answer   answerof-446130 ' value='1726264'   \/><label for='answer-id-1726264' id='answer-label-1726264' class=' answer'><span>Issue Age<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446130[]' id='answer-id-1726265' class='answer   answerof-446130 ' value='1726265'   \/><label for='answer-id-1726265' id='answer-label-1726265' class=' answer'><span>Mediated Age<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-29' style=';'><div id='questionWrap-29'  class='   watupro-question-id-446131'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>Henry is meeting with his advisor about future social security benefits. Henry would like to know what age he must be before he can receive full social security benefits. <br \/>\r<br>What is the correct age?<\/div><input type='hidden' name='question_id[]' id='qID_29' value='446131' \/><input type='hidden' id='answerType446131' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446131[]' id='answer-id-1726266' class='answer   answerof-446131 ' value='1726266'   \/><label for='answer-id-1726266' id='answer-label-1726266' class=' answer'><span>62.5<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446131[]' id='answer-id-1726267' class='answer   answerof-446131 ' value='1726267'   \/><label for='answer-id-1726267' id='answer-label-1726267' class=' answer'><span>65<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446131[]' id='answer-id-1726268' class='answer   answerof-446131 ' value='1726268'   \/><label for='answer-id-1726268' id='answer-label-1726268' class=' answer'><span>67<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446131[]' id='answer-id-1726269' class='answer   answerof-446131 ' value='1726269'   \/><label for='answer-id-1726269' id='answer-label-1726269' class=' answer'><span>72.5<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-30' style=';'><div id='questionWrap-30'  class='   watupro-question-id-446132'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>Percy contracted HIV a few years ago. While he is otherwise healthy, he is concerned that he won't be able to qualify for life insurance. <br \/>\r<br>Which of the following best describes such an eligibility status?<\/div><input type='hidden' name='question_id[]' id='qID_30' value='446132' \/><input type='hidden' id='answerType446132' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446132[]' id='answer-id-1726270' class='answer   answerof-446132 ' value='1726270'   \/><label for='answer-id-1726270' id='answer-label-1726270' class=' answer'><span>HIV automatically makes him ineligible.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446132[]' id='answer-id-1726271' class='answer   answerof-446132 ' value='1726271'   \/><label for='answer-id-1726271' id='answer-label-1726271' class=' answer'><span>HIV does not automatically make him ineligible, but he will have a mandatory 90-day elimination period.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446132[]' id='answer-id-1726272' class='answer   answerof-446132 ' value='1726272'   \/><label for='answer-id-1726272' id='answer-label-1726272' class=' answer'><span>HIV must be reasonably managed for at least 2 years, or he will be automatically ineligible.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446132[]' id='answer-id-1726273' class='answer   answerof-446132 ' value='1726273'   \/><label for='answer-id-1726273' id='answer-label-1726273' class=' answer'><span>HIV alone does not disqualify him: it is one of many factors considered in a life insurance application.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-31' style=';'><div id='questionWrap-31'  class='   watupro-question-id-446133'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>In most states an individual may have to &quot;spend down&quot; assets to qualify for Medicaid. In some states, individuals may use long-term care insurance payouts to avoid spending down. <br \/>\r<br>This program is known as which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_31' value='446133' \/><input type='hidden' id='answerType446133' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446133[]' id='answer-id-1726274' class='answer   answerof-446133 ' value='1726274'   \/><label for='answer-id-1726274' id='answer-label-1726274' class=' answer'><span>Spending Plan Assistance<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446133[]' id='answer-id-1726275' class='answer   answerof-446133 ' value='1726275'   \/><label for='answer-id-1726275' id='answer-label-1726275' class=' answer'><span>Medicare Part E<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446133[]' id='answer-id-1726276' class='answer   answerof-446133 ' value='1726276'   \/><label for='answer-id-1726276' id='answer-label-1726276' class=' answer'><span>Share Subrogation<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446133[]' id='answer-id-1726277' class='answer   answerof-446133 ' value='1726277'   \/><label for='answer-id-1726277' id='answer-label-1726277' class=' answer'><span>Partnership Plan<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-32' style=';'><div id='questionWrap-32'  class='   watupro-question-id-446134'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>Bradley's 10-year level term life insurance policy was started 10 years ago and is about to expire. He is told that the following year his policy will enter an annually renewable term. <br \/>\r<br>What will happen to his policy?<\/div><input type='hidden' name='question_id[]' id='qID_32' value='446134' \/><input type='hidden' id='answerType446134' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446134[]' id='answer-id-1726278' class='answer   answerof-446134 ' value='1726278'   \/><label for='answer-id-1726278' id='answer-label-1726278' class=' answer'><span>Each year he will have to requalify to keep his life insurance plan.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446134[]' id='answer-id-1726279' class='answer   answerof-446134 ' value='1726279'   \/><label for='answer-id-1726279' id='answer-label-1726279' class=' answer'><span>His premium will remain the same if he isn't late on a payment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446134[]' id='answer-id-1726280' class='answer   answerof-446134 ' value='1726280'   \/><label for='answer-id-1726280' id='answer-label-1726280' class=' answer'><span>His premium will increase each year based on age.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446134[]' id='answer-id-1726281' class='answer   answerof-446134 ' value='1726281'   \/><label for='answer-id-1726281' id='answer-label-1726281' class=' answer'><span>He will have one year to find a new policy or his policy will self-terminate.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-33' style=';'><div id='questionWrap-33'  class='   watupro-question-id-446135'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>Sally carries a whole life insurance plan with $5,000 in cash value. She vacationed in Europe and forgot to pay her policy premium before she left. As a result, her life insurance policy lapsed. She's concerned that she'll lose the cash value she's earned, but her agent tells her that she has a non-forfeiture clause on the policy. <br \/>\r<br>According to that clause, what will happen to her money?<\/div><input type='hidden' name='question_id[]' id='qID_33' value='446135' \/><input type='hidden' id='answerType446135' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446135[]' id='answer-id-1726282' class='answer   answerof-446135 ' value='1726282'   \/><label for='answer-id-1726282' id='answer-label-1726282' class=' answer'><span>She will receive a prorated portion of her cash value based on premiums paid.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446135[]' id='answer-id-1726283' class='answer   answerof-446135 ' value='1726283'   \/><label for='answer-id-1726283' id='answer-label-1726283' class=' answer'><span>She will receive the full sum of the accrued cash value, but the policy remains out of force.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446135[]' id='answer-id-1726284' class='answer   answerof-446135 ' value='1726284'   \/><label for='answer-id-1726284' id='answer-label-1726284' class=' answer'><span>She will retain both the policy and cash value so long as she pays the premiums she missed.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446135[]' id='answer-id-1726285' class='answer   answerof-446135 ' value='1726285'   \/><label for='answer-id-1726285' id='answer-label-1726285' class=' answer'><span>Her full cash value will be transferable to a new policy, which will require a new application.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-34' style=';'><div id='questionWrap-34'  class='   watupro-question-id-446136'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>Which Medicare part is also known as Medicare Advantage?<\/div><input type='hidden' name='question_id[]' id='qID_34' value='446136' \/><input type='hidden' id='answerType446136' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446136[]' id='answer-id-1726286' class='answer   answerof-446136 ' value='1726286'   \/><label for='answer-id-1726286' id='answer-label-1726286' class=' answer'><span>Part A<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446136[]' id='answer-id-1726287' class='answer   answerof-446136 ' value='1726287'   \/><label for='answer-id-1726287' id='answer-label-1726287' class=' answer'><span>Part B<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446136[]' id='answer-id-1726288' class='answer   answerof-446136 ' value='1726288'   \/><label for='answer-id-1726288' id='answer-label-1726288' class=' answer'><span>Part C<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446136[]' id='answer-id-1726289' class='answer   answerof-446136 ' value='1726289'   \/><label for='answer-id-1726289' id='answer-label-1726289' class=' answer'><span>Part D<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-35' style=';'><div id='questionWrap-35'  class='   watupro-question-id-446137'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>For a life insurance death benefit to be paid out in full, within what time limit following death must the claim be filed?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='446137' \/><input type='hidden' id='answerType446137' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446137[]' id='answer-id-1726290' class='answer   answerof-446137 ' value='1726290'   \/><label for='answer-id-1726290' id='answer-label-1726290' class=' answer'><span>90 days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446137[]' id='answer-id-1726291' class='answer   answerof-446137 ' value='1726291'   \/><label for='answer-id-1726291' id='answer-label-1726291' class=' answer'><span>180 days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446137[]' id='answer-id-1726292' class='answer   answerof-446137 ' value='1726292'   \/><label for='answer-id-1726292' id='answer-label-1726292' class=' answer'><span>2 calendar years<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446137[]' id='answer-id-1726293' class='answer   answerof-446137 ' value='1726293'   \/><label for='answer-id-1726293' id='answer-label-1726293' class=' answer'><span>Indefinite<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-36' style=';'><div id='questionWrap-36'  class='   watupro-question-id-446138'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>Which of the following circumstances could trigger a request for autopsy?<\/div><input type='hidden' name='question_id[]' id='qID_36' value='446138' \/><input type='hidden' id='answerType446138' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446138[]' id='answer-id-1726294' class='answer   answerof-446138 ' value='1726294'   \/><label for='answer-id-1726294' id='answer-label-1726294' class=' answer'><span>Prescription drug overdose<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446138[]' id='answer-id-1726295' class='answer   answerof-446138 ' value='1726295'   \/><label for='answer-id-1726295' id='answer-label-1726295' class=' answer'><span>Vehicular accident<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446138[]' id='answer-id-1726296' class='answer   answerof-446138 ' value='1726296'   \/><label for='answer-id-1726296' id='answer-label-1726296' class=' answer'><span>Heart attack<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446138[]' id='answer-id-1726297' class='answer   answerof-446138 ' value='1726297'   \/><label for='answer-id-1726297' id='answer-label-1726297' class=' answer'><span>Cancer<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-37' style=';'><div id='questionWrap-37'  class='   watupro-question-id-446139'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>Medicare Part A covers the first 60 days of a hospital stay and pays for all costs except for what amount?<\/div><input type='hidden' name='question_id[]' id='qID_37' value='446139' \/><input type='hidden' id='answerType446139' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446139[]' id='answer-id-1726298' class='answer   answerof-446139 ' value='1726298'   \/><label for='answer-id-1726298' id='answer-label-1726298' class=' answer'><span>$4,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446139[]' id='answer-id-1726299' class='answer   answerof-446139 ' value='1726299'   \/><label for='answer-id-1726299' id='answer-label-1726299' class=' answer'><span>$1,600<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446139[]' id='answer-id-1726300' class='answer   answerof-446139 ' value='1726300'   \/><label for='answer-id-1726300' id='answer-label-1726300' class=' answer'><span>$250<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446139[]' id='answer-id-1726301' class='answer   answerof-446139 ' value='1726301'   \/><label for='answer-id-1726301' id='answer-label-1726301' class=' answer'><span>$100<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-38' style=';'><div id='questionWrap-38'  class='   watupro-question-id-446140'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>Bill would like to reinstate his policy with ABC life insurance company, but his most recent payment fell outside the grace period allotted. Bill's agent tells him to submit a questionnaire in order to reactivate the policy. <br \/>\r<br>What is the purpose of this questionnaire?<\/div><input type='hidden' name='question_id[]' id='qID_38' value='446140' \/><input type='hidden' id='answerType446140' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446140[]' id='answer-id-1726302' class='answer   answerof-446140 ' value='1726302'   \/><label for='answer-id-1726302' id='answer-label-1726302' class=' answer'><span>To determine the extent of payment penalties<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446140[]' id='answer-id-1726303' class='answer   answerof-446140 ' value='1726303'   \/><label for='answer-id-1726303' id='answer-label-1726303' class=' answer'><span>To determine evidence of insurability<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446140[]' id='answer-id-1726304' class='answer   answerof-446140 ' value='1726304'   \/><label for='answer-id-1726304' id='answer-label-1726304' class=' answer'><span>To reset policy terms and provisions<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446140[]' id='answer-id-1726305' class='answer   answerof-446140 ' value='1726305'   \/><label for='answer-id-1726305' id='answer-label-1726305' class=' answer'><span>To determine the cause of the lapse and prevent its recurrence<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-39' style=';'><div id='questionWrap-39'  class='   watupro-question-id-446141'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>Which of the following is NOT an eligible expense for long-term care insurance payments?<\/div><input type='hidden' name='question_id[]' id='qID_39' value='446141' \/><input type='hidden' id='answerType446141' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446141[]' id='answer-id-1726306' class='answer   answerof-446141 ' value='1726306'   \/><label for='answer-id-1726306' id='answer-label-1726306' class=' answer'><span>Prescription<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446141[]' id='answer-id-1726307' class='answer   answerof-446141 ' value='1726307'   \/><label for='answer-id-1726307' id='answer-label-1726307' class=' answer'><span>Ambulatory assistance equipment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446141[]' id='answer-id-1726308' class='answer   answerof-446141 ' value='1726308'   \/><label for='answer-id-1726308' id='answer-label-1726308' class=' answer'><span>Vision Costs<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446141[]' id='answer-id-1726309' class='answer   answerof-446141 ' value='1726309'   \/><label for='answer-id-1726309' id='answer-label-1726309' class=' answer'><span>Transportation Costs<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-40' style=';'><div id='questionWrap-40'  class='   watupro-question-id-446142'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>In the case of a universal life insurance policy, which rider can be purchased to help cover the cost in the event of disablement?<\/div><input type='hidden' name='question_id[]' id='qID_40' value='446142' \/><input type='hidden' id='answerType446142' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446142[]' id='answer-id-1726310' class='answer   answerof-446142 ' value='1726310'   \/><label for='answer-id-1726310' id='answer-label-1726310' class=' answer'><span>Waiver of Premium<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446142[]' id='answer-id-1726311' class='answer   answerof-446142 ' value='1726311'   \/><label for='answer-id-1726311' id='answer-label-1726311' class=' answer'><span>Return of Premium<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446142[]' id='answer-id-1726312' class='answer   answerof-446142 ' value='1726312'   \/><label for='answer-id-1726312' id='answer-label-1726312' class=' answer'><span>Waiver of Monthly Deduction<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446142[]' id='answer-id-1726313' class='answer   answerof-446142 ' value='1726313'   \/><label for='answer-id-1726313' id='answer-label-1726313' class=' answer'><span>Insuring Clause<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-41'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\" \/>&nbsp;Loading...\t<\/div>\n<\/div>\n\n<br \/>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons11349\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"\/><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"View Results\"  \/>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"11349\" id=\"watuPROExamID\"\/>\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-05-16 03:58:28\" \/>\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1778903908\" \/>\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\" \/>\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"446103:1726154,1726155,1726156,1726157 | 446104:1726158,1726159,1726160,1726161 | 446105:1726162,1726163,1726164,1726165 | 446106:1726166,1726167,1726168,1726169 | 446107:1726170,1726171,1726172,1726173 | 446108:1726174,1726175,1726176,1726177 | 446109:1726178,1726179,1726180,1726181 | 446110:1726182,1726183,1726184,1726185 | 446111:1726186,1726187,1726188,1726189 | 446112:1726190,1726191,1726192,1726193 | 446113:1726194,1726195,1726196,1726197 | 446114:1726198,1726199,1726200,1726201 | 446115:1726202,1726203,1726204,1726205 | 446116:1726206,1726207,1726208,1726209 | 446117:1726210,1726211,1726212,1726213 | 446118:1726214,1726215,1726216,1726217 | 446119:1726218,1726219,1726220,1726221 | 446120:1726222,1726223,1726224,1726225 | 446121:1726226,1726227,1726228,1726229 | 446122:1726230,1726231,1726232,1726233 | 446123:1726234,1726235,1726236,1726237 | 446124:1726238,1726239,1726240,1726241 | 446125:1726242,1726243,1726244,1726245 | 446126:1726246,1726247,1726248,1726249 | 446127:1726250,1726251,1726252,1726253 | 446128:1726254,1726255,1726256,1726257 | 446129:1726258,1726259,1726260,1726261 | 446130:1726262,1726263,1726264,1726265 | 446131:1726266,1726267,1726268,1726269 | 446132:1726270,1726271,1726272,1726273 | 446133:1726274,1726275,1726276,1726277 | 446134:1726278,1726279,1726280,1726281 | 446135:1726282,1726283,1726284,1726285 | 446136:1726286,1726287,1726288,1726289 | 446137:1726290,1726291,1726292,1726293 | 446138:1726294,1726295,1726296,1726297 | 446139:1726298,1726299,1726300,1726301 | 446140:1726302,1726303,1726304,1726305 | 446141:1726306,1726307,1726308,1726309 | 446142:1726310,1726311,1726312,1726313\" \/>\n\t<input type=\"hidden\" name=\"no_ajax\" value=\"0\">\t\t\t<\/form>\n\t<p>&nbsp;<\/p>\n<\/div>\n\n<script type=\"text\/javascript\">\n\/\/jQuery(document).ready(function(){\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \t\nvar question_ids = \"446103,446104,446105,446106,446107,446108,446109,446110,446111,446112,446113,446114,446115,446116,446117,446118,446119,446120,446121,446122,446123,446124,446125,446126,446127,446128,446129,446130,446131,446132,446133,446134,446135,446136,446137,446138,446139,446140,446141,446142\";\nWatuPROSettings[11349] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 11349;\t    \nWatuPRO.post_id = 116527;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 1;\nWatuPRO.requiredIDs=\"0\".split(\",\");\nWatuPRO.hAppID = \"0.51359600 1778903908\";\nvar url = \"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/show_exam.php\";\nWatuPRO.examMode = 1;\nWatuPRO.siteURL=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-admin\/admin-ajax.php\";\nWatuPRO.emailIsNotRequired = 0;\nWatuPROIntel.init(11349);\nWatuPRO.inCategoryPages=1;});    \t \n<\/script>\n<p>&nbsp;<\/p>\n<h3>Continue to check our <a href=\"https:\/\/www.dumpsbase.com\/freedumps\/read-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-2-q41-q80-before-choosing-ok-life-accident-and-health-or-sickness-producer-dumps-v8-02-2026.html\"><span style=\"background-color: #ffff99;\"><em>Ok Life Accident and Health or Sickness Producer free dumps (Part 2, Q41-Q80) of V8.02<\/em><\/span><\/a> here.<\/h3>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>DumpsBase offers the latest Ok Life Accident and Health or Sickness Producer dumps (V8.02) to help you prepare for your exam. The professional team has designed 210 questions and answers based on the actual exam objectives. Our Q&amp;As can be read in a PDF format, which can be downloaded instantly to your PC, laptop, Mac, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20720,20721],"tags":[20722,20723],"class_list":["post-116527","post","type-post","status-publish","format-standard","hentry","category-insurance-licensing","category-insurance-licensing-certification","tag-ok-life-accident-and-health-or-sickness-producer-dumps","tag-ok-life-accident-and-health-or-sickness-producer-pdf"],"_links":{"self":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/comments?post=116527"}],"version-history":[{"count":3,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116527\/revisions"}],"predecessor-version":[{"id":116944,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116527\/revisions\/116944"}],"wp:attachment":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/media?parent=116527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/categories?post=116527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/tags?post=116527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}