Quiz 2026 Insurance Licensing InsNV_Health02–Valid Online Training

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Accident & Health – General Knowledge	50%	- Field Underwriting Procedures 1. Explaining policy provisions, riders, exclusions, and ratings 2. Submitting application and initial premium to company for underwriting 3. Replacement 4. Sources of insurability and HIPAA privacy information 5. Policy delivery 6. Initial premium payment and receipt 7. Completing the application 8. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract - Policy Provisions, Clauses, and Riders 1. 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 2. Rights of renewability Noncancelable Cancelable Guaranteed renewable 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. Riders Impairment and exclusions Guaranteed insurability Future increase option - Types of Policies 1. Medicare supplement policies 2. Group insurance Differences between individual and group contracts General characteristics COBRA 3. Accidental death and dismemberment 4. Individual and Group Long Term Care Eligibility Levels of care 5. 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 6. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 7. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy - Social Insurance 1. Social Security benefits 2. Medicaid 3. Medicare Parts A, B, C, and D - Other Insurance Concepts 1. Owner's rights 2. Cost containment 3. Primary and contingent beneficiaries 4. Total, partial, recurrent, and residual disability 5. Tax treatment of premiums and proceeds of insurance contracts 6. Managed care 7. Subrogation 8. Workers Compensation 9. Occupational vs. non-occupational 10. Nonduplication and coordination of benefits 11. Modes of premium payments 12. Dependent children benefits
Topic 2: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Nevada Life and Health Insurance Guaranty Association - Definitions 1. Certificate of authority 2. Premiums 3. Cost-sharing 4. Transacting insurance 5. Authorized and unauthorized 6. Domestic, foreign, and alien 7. Insurer - Insurance Commissioner 1. Notice and hearings and penalties 2. Examinations 3. General powers and duties - Marketing Practices 1. Silver State Health Insurance Exchange 2. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 3. Required records and record retention 4. Affordable Care Act 5. Commissions and payment restrictions 6. Fiduciary responsibilities - Licensing 1. Termination of license 2. Suspension, revocation, and refusal of license 3. Persons required to be licensed 4. Name of licensee 5. Obtaining a license 6. Renewal and continuing education
Topic 3: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Mandatory policy clauses and provisions 1. Coverage for preventive healthcare services 2. Coverage for physical handicap or intellectual disability for dependent children 3. Coverage for newborn children - Coverage for reconstructive surgery - Hospice care - Medicare 1. Medicare supplement regulation 2. Medicare Advantage Plans 3. Prescription Drug Plan
Topic 4: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Advertising - Group life and health insurance 1. Required provisions 2. Eligible groups - Credit life and health insurance

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Insurance Licensing NV Accident and Health Sample Questions (Q14-Q19):

NEW QUESTION # 14
Under Nevada law, the definition of " insurer " includes:

A. a financial planner
B. an indemnitor
C. a syndicate
D. a security dealer

Answer: B

Explanation:
Nevada law defines an insurer to include every person engaged as principal and as an indemnitor, surety, or contractor in the business of entering into insurance contracts. Therefore, an indemnitor is specifically included in the statutory definition of insurer.
An indemnitor is a party that agrees to compensate another for specified loss or damage. That obligation is central to insurance: the insurer assumes a defined risk and promises to provide a benefit, payment, service, or indemnity when a covered loss occurs. A surety and a contractor entering insurance agreements can likewise fall within the statutory definition when operating in the insurance business.
A security dealer sells or handles securities and is regulated under securities law rather than by the insurance definition in this question. A financial planner may provide financial advice but is not automatically an insurer. A syndicate may participate in insurance arrangements in certain contexts, but it is not the statutory term specifically identified in the definition.
The exam point is to recognize the broad legal definition of insurer. It encompasses more than a company labeled "insurance company"; it includes persons acting as indemnitors, sureties, or insurance contractors.
Study Guide references/topics: Nevada Insurance Code; definitions; insurer; indemnity; surety; NRS 679A.
100 .

NEW QUESTION # 15
According to Nevada law, an authorized insurer is BEST defined as:

A. an insurer authorized under a certificate of authority issued by the Governor of Nevada
B. an insurer with a certificate of authority issued by the National Association of Insurance Commissioners (NAIC)
C. any insurer with minimum assets as required by this state
D. an insurer with a certificate of authority issued by the Insurance Commissioner of Nevada

Answer: D

Explanation:
An authorized insurer is an insurer that holds a certificate of authority issued by the Nevada Insurance Commissioner and remains authorized to transact insurance in the state. The certificate of authority is the formal approval allowing the insurer to conduct the kinds of insurance business for which it has been approved.
Having sufficient assets may be one consideration in an insurer's application and ongoing financial regulation, but assets alone do not make an insurer authorized. The National Association of Insurance Commissioners develops model laws, standards, and regulatory resources; it does not issue Nevada certificates of authority. The Governor of Nevada likewise does not issue insurance certificates of authority.
This distinction is central to Nevada insurance regulation. Authorized, or admitted, insurers are subject to Nevada's ongoing solvency oversight, market-conduct regulation, rate and form requirements where applicable, examinations, and other statutory obligations. Nonadmitted insurers may be used only through the surplus-lines process or another applicable statutory exception.
A producer must understand whether an insurer is authorized before placing ordinary insurance business.
Selling or placing insurance with an unauthorized insurer outside a lawful exception can create serious regulatory consequences.
Study Guide references/topics: authorized insurers; admitted insurers; certificates of authority; insurer regulation; NRS 680A.020 .

NEW QUESTION # 16
Which of the following organizations is the BEST example of a mutual insurance company?

A. An unincorporated aggregation of subscribers who operate individually
B. An incorporated insurance company that has no capital stock and has a governing body that is elected by its policyholders
C. An unincorporated insurance company that operates through an attorney-in-fact common to all persons
D. An incorporated insurance company that has its capital divided into shares and is owned by stockholders

Answer: B

Explanation:
A mutual insurance company is an incorporated insurer without capital stock that is owned by its policyholders. Its governing body is elected by policyholders rather than by outside shareholders. Therefore, option B is the best description of a mutual insurer.
A stock insurer, described in option A, has capital divided into shares and is owned by stockholders.
Stockholders elect the board of directors and may receive dividends based on corporate profitability.
Policyholders of a stock insurer are customers, not owners, unless they separately own stock in the company.
Options C and D describe characteristics associated with a reciprocal insurer or interinsurance exchange. A reciprocal is an unincorporated aggregation of subscribers who insure one another through an attorney-in-fact.
Subscribers are both insureds and insurers of one another in that arrangement.
The mutual-company structure matters because policyholders may participate in governance and may receive policyholder dividends when declared. Those dividends are not guaranteed and are different from investment dividends paid to stockholders of a stock insurer.
Study Guide references/topics: insurer ownership; mutual insurers; stock insurers; reciprocal insurers; Nevada domestic insurer law .

NEW QUESTION # 17
Group vision insurance plans typically provide insurance benefits that cover the cost of:

A. eye exams, lenses, retinal corrective surgery
B. cataract removal, frames, lenses
C. laser surgery, eye exams, lenses
D. eye exams, lenses, frames, and contact lenses

Answer: D

Explanation:
Group vision coverage is an ancillary group health benefit designed primarily for routine vision care and corrective eyewear. Its usual covered services include periodic eye examinations, lenses, frames, and-in plans that provide the option-contact lenses. The key distinction is between routine vision expenses and medical or surgical eye treatment. Choice C contains the customary routine vision benefits and is therefore correct. Laser refractive surgery is commonly elective and is not a standard core group vision benefit. Cataract removal and retinal corrective surgery are medical or surgical procedures ordinarily addressed through medical expense coverage, subject to that policy's provisions, rather than through a routine vision plan.
Vision plans often apply a stated allowance, benefit schedule, copayment, provider-network requirement, or frequency limit to exams, frames, lenses, and contacts. The insured should therefore recognize that the plan does not provide unlimited eye-care coverage; it covers specified routine corrective services under the contract's schedule of benefits. Study Guide References/Topics: Group Health Insurance; Types of Health Insurance Policies; Limited-Coverage Health Plans.

NEW QUESTION # 18
Under federal COBRA continuation rules, an employee who loses group health coverage because of termination of employment or reduction in hours will generally be offered continuation coverage for up to:

A. 12 months
B. 18 months
C. 60 months
D. 6 months

Answer: B

Explanation:
COBRA generally gives qualified beneficiaries the right to continue employer-sponsored group health coverage after certain qualifying events. For termination of employment, other than gross misconduct, or a reduction in work hours, the standard maximum continuation period is generally 18 months. Other qualifying events, such as death of the covered employee, divorce, legal separation, or a dependent child's loss of dependent status, may result in a longer maximum continuation period, commonly 36 months.
Continuation coverage is not free coverage. The qualified beneficiary typically pays the full group premium plus a permitted administrative charge. COBRA can preserve the same group coverage and provider access for a limited time, but it may be expensive because the employer is no longer subsidizing premiums.
Enrollment deadlines, election notices, payment rules, and employer-plan size requirements are important.
COBRA should not be confused with conversion coverage or an Affordable Care Act marketplace plan.
Conversion coverage is an individual policy issued after group coverage ends under stated conditions.
Marketplace coverage is a separate individual-market option that may be available following loss of employer- sponsored coverage. Producers should explain options carefully and avoid presenting one continuation route as automatically best for every consumer.
References/topics from the Study Guide: COBRA; Group Health Continuation; Qualifying Events; Conversion Privilege; Employer-Sponsored Health Insurance.

NEW QUESTION # 19
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