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InsNV_Health02 ist eine der Insurance Licensing Zertifizierungsprüfungen. IT-Fachmann mit Insurance Licensing Zertifikat sind sehr beliebt in der IT-Branche. Deshalb legen imme mehr Leute die InsNV_Health02 Zertifizierungsprüfung. Jedoch ist es nicht so einfach, die Insurance Licensing InsNV_Health02 Zertifizierungsprüfung zu bestehen. Wenn Sie nicht an den entprechenden Kursen teilnehmen, brauchen Sie viel Zeit und Energie, sich auf die Prüfung vorzubereiten. Nun kann ExamFragen Ihnen viel Zeit und Energie ersparen.

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Medicare 1. Medicare Advantage Plans 2. Prescription Drug Plan 3. Medicare supplement regulation - Coverage for reconstructive surgery - Hospice care - Mandatory policy clauses and provisions 1. Coverage for preventive healthcare services 2. Coverage for newborn children 3. Coverage for physical handicap or intellectual disability for dependent children - Long Term Care
Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Group life and health insurance 1. Required provisions 2. Eligible groups - Credit life and health insurance - Advertising
Accident & Health – General Knowledge	50%	- Types of Policies 1. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 2. Medical expense insurance Basic hospital, medical, and surgical policies Major medical policies Health Maintenance Organizations Preferred Provider Organizations Point of Service plans Flexible Spending Accounts High Deductible Health Plans and Health Savings Accounts Health Reimbursement Accounts 3. Group insurance Differences between individual and group contracts General characteristics COBRA 4. Accidental death and dismemberment 5. Individual and Group Long Term Care Eligibility Levels of care 6. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 7. Medicare supplement policies - Policy Provisions, Clauses, and Riders 1. Riders Impairment and exclusions Guaranteed insurability Future increase option 2. Other provisions and clauses Insuring clause Free look Consideration clause Probationary period Elimination period Waiver of premium Exclusions and limitations Preexisting conditions Coinsurance Deductibles Eligible expenses Copayments Pre-authorizations and prior approval requirements Usual, reasonable, and customary charges Lifetime, annual, or per cause maximum benefit limits 3. Mandatory and optional provisions Entire contract Time limit on certain defenses Grace period Reinstatement Notice of claim Claim forms Proof of loss Time of payment of claims Payment of claims Physical examination and autopsy Legal actions Change of beneficiary Misstatement of age or gender Change of occupation Illegal occupation Relation of earnings to insurance 4. Rights of renewability Noncancelable Cancelable Guaranteed renewable - Other Insurance Concepts 1. Total, partial, recurrent, and residual disability 2. Primary and contingent beneficiaries 3. Owner's rights 4. Nonduplication and coordination of benefits 5. Managed care 6. Cost containment 7. Modes of premium payments 8. Occupational vs. non-occupational 9. Workers Compensation 10. Subrogation 11. Dependent children benefits 12. Tax treatment of premiums and proceeds of insurance contracts - Social Insurance 1. Medicare Parts A, B, C, and D 2. Medicaid 3. Social Security benefits - Field Underwriting Procedures 1. Completing the application 2. Initial premium payment and receipt 3. Replacement 4. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 5. Policy delivery 6. Submitting application and initial premium to company for underwriting 7. Sources of insurability and HIPAA privacy information 8. Explaining policy provisions, riders, exclusions, and ratings
Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Insurance Commissioner 1. Examinations 2. General powers and duties 3. Notice and hearings and penalties - Nevada Life and Health Insurance Guaranty Association - Definitions 1. Insurer 2. Transacting insurance 3. Premiums 4. Authorized and unauthorized 5. Cost-sharing 6. Domestic, foreign, and alien 7. Certificate of authority - Marketing Practices 1. Fiduciary responsibilities 2. Affordable Care Act 3. Silver State Health Insurance Exchange 4. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 5. Required records and record retention 6. Commissions and payment restrictions - Licensing 1. Suspension, revocation, and refusal of license 2. Name of licensee 3. Renewal and continuing education 4. Persons required to be licensed 5. Obtaining a license 6. Termination of license

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Insurance Licensing NV Accident and Health InsNV_Health02 Prüfungsfragen mit Lösungen (Q27-Q32):

27. Frage
All insurance companies and producers who sell Group Life or Accident and Health policies in Nevada MUST:

A. notify the Commissioner when individual certificates have been issued
B. deliver to the policyholder individual certificates for all insureds
C. obtain a receipt when delivering individual certificates to insureds
D. deliver a policy to each insured member of a group

Antwort: B

Begründung:
Group insurance is generally issued through a master policy. The policyholder-often an employer, association, trustee, or creditor-receives the master contract. Individual insured members do not receive a separate master policy; instead, they receive certificates describing the coverage, benefits, limitations, and applicable rights.
Nevada requires companies, resident agents, and nonresident agents or brokers conducting group life or group accident and health business to provide for delivery of the required individual certificates to the policyholder.
They must also use their best efforts to ensure that the policyholder distributes the certificates to covered debtors, members, or employees. Accordingly, option B correctly states the required delivery process.
Option C is incorrect because each group member is not entitled to receive the full group policy. Option A adds a receipt requirement that is not the applicable rule. Option D is also incorrect because the regulation does not require notice to the Commissioner each time certificates are issued.
This requirement ensures that insured individuals receive understandable evidence of their group coverage even though the policyholder owns the master policy. Certificates are central to informing members of benefits, exclusions, and conversion rights.
Study Guide references/topics: group life insurance; group accident and health insurance; certificates of coverage; NAC 687B.405 .

28. Frage
A producer who makes misleading policy comparisons for the purpose of inducing an insured to surrender an existing policy is guilty of:

A. rebating
B. defamation
C. coercion
D. twisting

Antwort: D

Begründung:
Twisting is the use of misleading, incomplete, or fraudulent policy comparisons to induce, or attempt to induce, a policyowner to lapse, forfeit, surrender, terminate, exchange, convert, or replace an existing insurance policy. The producer's conduct described in the question is a classic example of twisting because the misleading comparison is used to convince the insured to surrender existing coverage.
Twisting is prohibited because replacement decisions can have serious consequences. A new policy may have different exclusions, waiting periods, contestability periods, benefit limits, premiums, surrender charges, or underwriting requirements. A producer must provide accurate, balanced, and complete comparisons when discussing replacement or surrender of coverage.
Rebating involves offering an unlawful return of premium, commission, or other inducement not stated in the policy. Coercion involves forcing or improperly pressuring a person to act. Defamation involves false statements that harm another person's reputation. None of those terms specifically describes misleading comparisons intended to cause surrender of an existing policy.
Study Guide references/topics: unfair trade practices; policy replacement; twisting; misleading comparisons; NRS 686A.050 .

29. Frage
Which person is the measuring life whose survival determines the timing and duration of annuity payments?

A. Policyowner
B. Annuitant
C. Producer
D. Beneficiary

Antwort: B

Begründung:
The annuitant is the person whose life expectancy is used to determine the amount, timing, or duration of annuity payments. The annuitant is not necessarily the contract owner or the beneficiary. In many personally owned annuities, one person may occupy more than one role, but examination questions frequently separate them. The owner controls contractual rights, including premium payments, beneficiary changes, withdrawals when permitted, and surrender decisions. The annuitant is the measuring life. The beneficiary receives remaining contract value or death proceeds if the owner or annuitant dies, depending on the contract design.
During the accumulation period, the owner pays premiums or transfers funds into the annuity. During the annuitization period, the accumulated value is converted into a stream of income payments. The annuitant's age and selected payout option influence the payment calculation. A life-income option normally provides larger periodic payments for an older annuitant because the expected payment period is shorter.
Do not confuse the annuitant with the insured under life insurance. Life insurance is designed primarily to create a death benefit upon the insured's death. An annuity is designed primarily to provide income during life, although death-benefit provisions may apply before annuitization.
References/topics from the Study Guide: Annuities; Parties to an Annuity; Accumulation Period; Annuitization Period; Payout Options.

30. Frage
The Fair Credit Reporting Act requires that:

A. insurance companies pay interest on claims that are paid late
B. interest charged on premium loans be limited to a specified amount
C. applicants be advised that a consumer report may be requested
D. insurance companies treat insureds fairly and not discriminate

Antwort: C

Begründung:
The Fair Credit Reporting Act governs the collection, use, and disclosure of consumer-report information.
Choice B is correct because an insurance applicant must receive appropriate notice when an insurer may obtain a consumer report or investigative consumer report in connection with underwriting. Consumer reports can contain information relevant to an insurer's evaluation of risk, including credit-related information and other data permitted by law. The notice requirement promotes transparency and gives applicants the opportunity to understand that reporting information may be used in the underwriting process. The remaining choices concern different legal issues. Interest on premium loans is governed by policy and insurance-law rules, not the FCRA. Unfair discrimination is addressed through insurance regulation and unfair-trade-practice standards. Interest for late claim payments is governed by applicable claims-handling requirements, not the FCRA. The FCRA permits insurance companies to obtain consumer reports only for a permissible purpose and imposes duties regarding notices and adverse actions when report information is used. See the Consumer Financial Protection Bureau's FCRA guidance . Study Guide References/Topics: Nevada Insurance Regulation and Licensing; Consumer Reports; Fair Credit Reporting Act.

31. Frage
An application for an individual Disability Income policy may require all of the following information about the proposed insured EXCEPT for:

A. medical history
B. marital status and occupation
C. the spouse ' s occupation
D. other disability policies already in force

Antwort: C

Begründung:
The correct answer is D. Underwriting for an individual disability income policy focuses on facts that affect the proposed insured's probability of disability, ability to work, existing income protection, and potential for overinsurance. Marital status and occupation may be relevant to financial and occupational underwriting.
Medical history is directly relevant because past and current health conditions can affect eligibility, exclusions, ratings, or benefit limitations. Other disability policies already in force are important because insurers must evaluate the total amount of disability benefits relative to earned income and avoid excessive coverage. The spouse's occupation ordinarily does not determine the proposed insured's disability risk or benefit eligibility and is therefore the least relevant item. Insurers also may request information about income, employer, job duties, hazardous activities, tobacco use, prior claims, and other sources of disability income.
The producer must obtain complete and accurate answers from the applicant, explain questions when necessary, and avoid making assumptions or completing answers without the applicant's direction. Study Guide References/Topics: Completing the Application, Underwriting, and Delivering the Policy; Disability Income Underwriting; Application Information.

32. Frage
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