Wisconsin Health and Life Insurance Exam | Practice Test / Quiz / MCQs

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Wisconsin Health and Life Insurance Exam

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Wisconsin Health and Life Insurance Exam

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25 Questions

1. Dual Choice

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.A plan that provides a package of health care services - including preventive care - routine physicals - immunization - outpatient services and hospitalization.

2. Skilled Nursing Care

A plan that provides a package of health care services - including preventive care - routine physicals - immunization - outpatient services and hospitalization.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

3. Non-admitted (Non-authorized)

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.A plan that provides a package of health care services - including preventive care - routine physicals - immunization - outpatient services and hospitalization.

4. Comprehensive Policy

A plan that provides a package of health care services - including preventive care - routine physicals - immunization - outpatient services and hospitalization.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

5. Speculative Risk

An uncertainty or chance of a loss occurring in a situation that involved the opportunity for either loss or gain.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

6. Coercion

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.An unfair trade practice in which an agent uses physical or mental force with the intent of inducing an applicant to purchase insurance.

7. Insurability

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.The acceptability of an applicant who meets an insurance company's underwriting requirements for insurance.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

8. Claim

A request for payment of the benefits provided by an insurance contract.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

9. Pro Rata Cancellation

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.Termination of an insurance policy - with an adjustment of the premium charge in proportion to the exact coverage that has been in force.

10. Elimination Period

A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.A waiting period that is imposed on the insured from the onset of disability until benefit payments begin.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

11. Maturity Date

The date when the face amount of the life insurance becomes payable.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

12. Participating Policies (Par)

13. Fraternal Benefit Societies

Life or health insurance companies formed to provide insurance for members of an affiliated lodge - religious organization - or fraternal organization with a representative form of government.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.

14. Assignment

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.The transfer of ownership rights of a life insurance policy from one person to another.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.

15. Personal Contract

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.An agreement between an insurance company and an individual that states that insurance policies cover the individual's insurable interest.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

16. Periodontics

A specialty of dentistry that involves treatment of the surrounding and supporting tissue of the teeth such as treatment for gum disease.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.

17. Admitted (Authorized) Insurer

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company authorized and licensed to transact business in a particular state.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

18. Contributory

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.A group insurance plan that requires the employees to pay part of the premium.

19. Aleatory

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.A contract in which participating parties exchange unequal amounts. Insurance contracts are aleatory in that the amount the insured will pay in premiums is unequal to the amount the insurer will pay in the event of a loss.

20. Renewability Clause

An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A clause that defines the insurance company's and the insured's right to cancel or renew coverage.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

21. Mode of Payment

The method of premium payment - whether annually - semiannually - quarterly - or monthly.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

22. Activities of Daily Living

A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.Activities individuals must do every day such as moving about - getting dressed - eating - bathing - etc.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.

23. Indemnify

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.To restore the insured to the same condition as prior to loss with no intent of loss or gain.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

24. Concealment

A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.The withholding of known facts which - if material - can void a contract.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.

25. Primary Policy

Daily nursing care or skilled care - such as administration of medication - diagnosis - or minor surgery that is performed by or under the supervision of a skilled professional.A basic - fundamental insurance policy which pays first with respect to other outstanding policies.An insurance company that has not applied for - or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.A federal requirement that employers who have 25 or more employees - who are within the service area of a qualified HMO - who pay minimum wage - and offer a health plan - must offer HMO coverage as well as an indemnity plan.

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25 Questions

❤ If you liked Fatskills, consider supporting us by checking out The Life Manuals You Never Got.

About | Explore | User Guide | Topics | Subjects | Doubt Solver | Career Aptitude Test | Answers | Free Tools | What Should We Know? Privacy | Terms |

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All trademarks, logos and brand names are the property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, trademarks and brands does not imply endorsement.

About | Explore | User Guide | Topics | Subjects | Doubt Solver | Career Aptitude Test | Answers | Free Tools | What Should We Know?
Privacy | Terms |

Without work one finishes nothing. - Ralph Waldo Emerson
© 2026 Fatskills.com