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Free KS Accident & Health Producer Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the KS Accident & Health Producer practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A self-employed client wants a monthly payment to replace earnings if an illness prevents work. Which policy best addresses that need?

    1. A. Individual disability income insurance
    2. B. Business overhead expense insurance
    3. C. Accidental death and dismemberment insurance
    4. D. Major medical expense insurance

    Answer: A

    Explanation: "a policy designed to compensate insured individuals for a portion of the income they lose because of a disabling injury or illness." Individual disability income replaces the insured's lost earnings; the other policies address business costs, accidental losses, or medical bills.

    Reference: NAIC Glossary of Insurance Terms — Disability Income, glossary

  2. 2How are Kansas loss-of-time benefits adjusted when combined monthly benefits exceed earnings?

    1. A. Reduce benefits proportionately to covered earnings
    2. B. Reduce every policy by a fixed one-half
    3. C. Pay the oldest policy only
    4. D. Pay each policy without adjustment

    Answer: A

    Explanation: The insurer “will be liable only for such proportionate amount” as earnings bear to total monthly benefits.

    Reference: 40-2203 — K.S.A. § 40-2203(B)(10)

  3. 3A Medicare enrollee wants to identify the part that provides the Medicare prescription drug benefit. Which part is it?

    1. A. Part A
    2. B. Part D
    3. C. Part B
    4. D. Part C

    Answer: B

    Explanation: "Medicare Prescription Drug Benefit (Part D)" Part D is the prescription drug benefit. Part A is hospital insurance, Part B supplementary medical insurance, and Part C Medicare Advantage.

    Reference: CMS Overview of Medicare — Overview of Medicare, Parts A–D

  4. 4A disability insured can still perform several substantial job duties but cannot perform one material duty because of the injury. Which disability classification most directly describes this extent of loss?

    1. A. Partial disability
    2. B. Total disability
    3. C. Recurrent disability
    4. D. Presumptive total disability

    Answer: A

    Explanation: "unable to perform one or more, but not all of the Substantial and Material Duties" The insured can perform some but not all material duties, matching partial disability; recurrence concerns a later period and total disability requires a different extent.

    Reference: Individual Disability Income Insurance Policy Standards — Individual Disability Income Insurance Policy Standards, Partial Disability

  5. 5A producer discovers a mistake in a signed written Kansas health application. Under the application-integrity rule, when may the producer alter that writing?

    1. A. After obtaining the applicant's written consent
    2. B. After obtaining the applicant's oral consent
    3. C. After obtaining the insurer's written consent
    4. D. After obtaining the beneficiary's written consent

    Answer: A

    Explanation: "No alteration of any written application for any such policy shall be made by any person other than the applicant without his written consent" A person other than the applicant needs the applicant's written consent. Oral consent or written assent from a different party does not satisfy that rule.

    Reference: K.S.A. § 40-2205 — K.S.A. § 40-2205(b), Alteration of application

  6. 6How long is one elected term for the Kansas Insurance Commissioner?

    1. A. Two years
    2. B. Four years
    3. C. Five years
    4. D. Six years

    Answer: B

    Explanation: K.S.A. 40-106 states that the commissioner's “term of office shall be four years,” so the elected term is four years.

    Reference: 40-106 — K.S.A. § 40-106(a)

  7. 7When does Kansas family health coverage begin for a natural newborn child?

    1. A. Seven days after birth
    2. B. Thirty-one days after birth
    3. C. At the moment of birth
    4. D. At hospital discharge

    Answer: C

    Explanation: Benefits for a “newly born child” are payable “from the moment of birth,” so coverage begins immediately.

    Reference: 40-2,102 — K.S.A. § 40-2,102(a)(1)(A)

  8. 8A sole proprietor becomes disabled, but rent, utilities, and employees' pay must continue. Which coverage is designed for these continuing business expenses?

    1. A. Disability buyout insurance
    2. B. Business overhead expense insurance
    3. C. Individual disability income insurance
    4. D. Key employee disability insurance

    Answer: B

    Explanation: "This type of provision covers standard business expenses such as payroll, utilities," Business overhead expense coverage addresses operating expenses during the owner's disability, unlike a buyout, personal income, or key employee benefit.

    Reference: NAIC Small Business Insurance — Disability insurance for small business, business overhead

  9. 9What earnings lookback may Kansas loss-of-time coordination use before disability?

    1. A. Six months
    2. B. One year
    3. C. Two years
    4. D. Five years

    Answer: C

    Explanation: The comparison uses “average monthly earnings for the period of two years immediately preceding a disability.”

    Reference: 40-2203 — K.S.A. § 40-2203(B)(10)

  10. 10A low-income Kansas resident asks about a health coverage program funded jointly by federal and state governments and administered by states under federal requirements. Which program fits?

    1. A. Medicare Part A
    2. B. Medicare Part D
    3. C. Medicaid
    4. D. Social Security Disability Insurance

    Answer: C

    Explanation: "Medicaid is administered by states, according to federal requirements. The program is funded jointly by states and the federal government." The joint federal-state program for eligible low-income residents is Medicaid; Medicare and Social Security Disability Insurance have different structures.

    Reference: Medicaid.gov Medicaid Overview — Medicaid overview, program administration and eligibility

Topics in this practice bank

These topics describe the available practice for KS Accident & Health Producer. Review the examination outline and its sources for scope and allocation details.

  • I. TYPES OF POLICIES (16 scored questions)
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC
    • F. Individual/Group Long Term Care (LTC / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC / 2. Levels of care
    • G. Other Policies
    • G. Other Policies / 1. Dental
    • G. Other Policies / 2. Vision
    • G. Other Policies / 3. Cancer
    • G. Other Policies / 4. Critical illness or specified disease
    • G. Other Policies / 5. Worksite (employer-sponsored)
    • G. Other Policies / 6. Hospital indemnity
    • G. Other Policies / 7. Short-term medical
    • G. Other Policies / 8. Accident
  • II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 scored questions)
    • A. Mandatory provisions
    • A. Mandatory provisions / 1. Entire contract
    • A. Mandatory provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory provisions / 3. Grace period
    • A. Mandatory provisions / 4. Reinstatement
    • A. Mandatory provisions / 5. Notice of claim
    • A. Mandatory provisions / 6. Claim forms
    • A. Mandatory provisions / 7. Proof of loss
    • A. Mandatory provisions / 8. Time of payment of claims
    • A. Mandatory provisions / 9. Payment of claims
    • A. Mandatory provisions / 10. Physical examination and autopsy
    • A. Mandatory provisions / 11. Legal actions
    • A. Mandatory provisions / 12. Change of beneficiary
    • A. Mandatory provisions / 13. Misstatement of age or gender
    • A. Mandatory provisions / 14. Change of occupation
    • A. Mandatory provisions / 15. Illegal occupation
    • A. Mandatory provisions / 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • B. Riders
    • B. Riders / 1. Impairment/exclusions
    • B. Riders / 2. Guaranteed insurability
    • B. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancellable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • III. SOCIAL INSURANCE (6 scored questions)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • IV. OTHER INSURANCE CONCEPTS (5 scored questions)
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • J. Workers Compensation / 1. Impact on health insurance benefits
    • K. Subrogation
    • L. Cost containment
  • V. FIELD UNDERWRITING PROCEDURES (8 scored questions)
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • VI. KANSAS STATUTES AND REGULATIONS COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE (20 scored questions)
    • A. Commissioner of Insurance
    • A. Commissioner of Insurance / 1. Election [Ref: 40-106]
    • A. Commissioner of Insurance / 2. General duties and powers [Ref: 40-103, 40-104, 40-105]
    • A. Commissioner of Insurance / 3. Examinations [Ref: 40-208, 40- 222, 40-246a]
    • A. Commissioner of Insurance / 4. Hearings/Notice of hearings/Orders [Ref: 40-281, 40-2406, 40-2407; 40-2,125]
    • A. Commissioner of Insurance / 5. Penalties [Ref: 40-246a, 40-246d, 40-2407, 40-4909; 40-2,125]
    • B. Definitions
    • B. Definitions / 1. Domestic company [Ref: 40-2c01]
    • B. Definitions / 2. Foreign company [Ref: 40-2c01; 40-209]
    • B. Definitions / 3. Fraternals [Ref: 40-738]
    • B. Definitions / 4. Certificate of authority [Ref: 40-2702]
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer [Ref: 40-239, 40-4902]
    • C. Licensing / 1. Persons required to be licensed / b. Resident/Nonresident [Ref: 40-4902, 40-4906]
    • C. Licensing / 1. Persons required to be licensed / c. Temporary license [Ref: 40-4907]
    • C. Licensing / 2. Producer appointment/certification and termination of appointment [Ref: K.A.R. 40-7-25; K.A.R. 40-7-22; 40-7-11; 40-4912]
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications/Examinations [Ref: 40-241; 40-4905]
    • C. Licensing / 3. Obtaining a license / b. Exemptions/exceptions [Ref: 40-4904, 40-4908]
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education [Ref: 40-4902, 40-4903; K.A.R. 40-7-20a]
    • C. Licensing / 4. Maintaining a license / b. Change of address/ place of business [Ref: K.A.R. 40-7-9]
    • C. Licensing / 4. Maintaining a license / c. License renewal and fees [Ref: 40-4903]
    • C. Licensing / 4. Maintaining a license / d. Suspension or revocation of licenses/felony convictions [Ref: 40-246d, 40-4909]
    • D. Marketing practices [Ref: 40-2404]
    • D. Marketing practices [Ref: 40-2404] / 1. Rebating [Ref: 40- 2404(8); 40-966]
    • D. Marketing practices [Ref: 40-2404] / 2. Misrepresentation [Ref: 40-235; 40-2404(1)]
    • D. Marketing practices [Ref: 40-2404] / 3. False advertising [Ref: 40-2404(2)]
    • D. Marketing practices [Ref: 40-2404] / 4. Defamation [Ref: 40-2404(3)]
    • D. Marketing practices [Ref: 40-2404] / 5. Boycott, coercion, intimidation [Ref: 40-2404(4)]
    • D. Marketing practices [Ref: 40-2404] / 6. Unfair discrimination [Ref: 40-2404(7)]
    • D. Marketing practices [Ref: 40-2404] / 7. Twisting [Ref: 40-2404(1)(f)]
    • E. Life and Health Insurance Guaranty Association Act [Ref: 40-3002 through 40-3018]
  • VII. KANSAS STATUTES, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY (14 scored questions)
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209]
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209] / 1. Required and optional coverages
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209] / 1. Required and optional coverages / a. Newborns and adopted children [Ref: 40-2,102]
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209] / 1. Required and optional coverages / b. Substance abuse/mental disorders [Ref: 40-2,105; 40-2,154]
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209] / 1. Required and optional coverages / c. Maternity benefits [Ref: 40-2,102; 40-2,160]
    • A. Individual/Group accident and health policy clauses and provisions [Ref: 40-2203, 40-2209] / 1. Required and optional coverages / d. Grace Period (Individual Accident and Health) [Ref. 40-2203]
    • B. Group accident and health insurance only [Ref: 40-2209]
    • B. Group accident and health insurance only [Ref: 40-2209] / 1. Coordination of benefits [Ref: K.A.R. 40-4-34]
    • B. Group accident and health insurance only [Ref: 40-2209] / 2. Continuation [Ref: 40-2209 (i)]
    • B. Group accident and health insurance only [Ref: 40-2209] / 3. Small Employer Health Insurance Availability Act [Ref: 40-2209b −2209j, 40-2209m −2209p]
    • C. Blanket insurance [Ref: 40-2210]
    • D. Medicare Supplement insurance [Ref: K.A.R. 40-4-35]
    • E. Long-Term Care (including education requirements) [Ref: 40-2225−2228; K.A.R. 40-4-37a −40-4-37 v]
    • F. Advertising [Ref: K.A.R. 40-9-100, 126]
    • G. Affordable Care Act
    • G. Affordable Care Act / 1. Intent and general information regarding the ACA
    • G. Affordable Care Act / 2. Navigators
    • G. Affordable Care Act / 3. Eligibility, premiums and mandatory benefits

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