It-Passportsの経験豊富な専門家チームはInsurance LicensingのInsNV_Health02認定試験に向かって専門性の問題集を作って、とても受験生に合っています。It-Passportsの商品はIT業界中で高品質で低価格で君の試験のために専門に研究したものでございます。
| Section | Weight | Objectives |
|---|---|---|
| Nevada Statutes and Codes Common to Life and Health Insurance Only | 4% | - Advertising - Group life and health insurance
|
| Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance | 20% | - Nevada Life and Health Insurance Guaranty Association - Licensing
|
| Nevada Statutes and Codes Pertinent to Health Insurance Only | 14% | - Hospice care - Medicare
- Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse |
| Accident & Health – General Knowledge | 50% | - Types of Policies
|
品質は、時間と量の試練に耐えることです。我々It-Passportsがあなたに提供するInsurance LicensingのInsNV_Health02ソフトはこれを保証します。我々の問題集の更新と解答への専門的な分析は我々の商品に多くの受験生の試験に合格する秘密武器にならせます。試験に失敗したら全額d返金するという承諾は我々への励ましです。我々はあなたにInsurance LicensingのInsNV_Health02ソフトを改善し続けることを喜んでいます。ご購入した一年間、あなたはInsurance LicensingのInsNV_Health02ソフトの最新の資料を無料で得られます。
質問 # 103
A policyowner names two children as beneficiaries "per stirpes." If one child dies before the insured but leaves children, how are that deceased child's share and the surviving child's share handled?
正解：C
解説：
A per stirpes beneficiary designation means "by the branch" or "by the bloodline." If a named beneficiary dies before the insured, that beneficiary's descendants take the deceased beneficiary's share. In this question, the deceased child's children receive the share that would have gone to their parent, while the surviving child receives that child's own share. This preserves each family branch's intended portion of the life insurance proceeds.
A per capita designation works differently. Under a per capita arrangement, surviving members of a named class generally share equally, and a deceased beneficiary's descendants do not automatically take the deceased beneficiary's share unless the designation or policy language provides otherwise. The precise result always depends on the policy designation, applicable law, and any contingent- beneficiary provisions.
Beneficiary designations should be reviewed after divorce, marriage, birth, death, adoption, or other major changes. A producer should not provide legal advice about estate planning, but should encourage the policyowner to obtain professional legal guidance when the designation involves trusts, minors, estates, complex family arrangements, or special-needs planning.
The test point is straightforward: per stirpes preserves the deceased beneficiary's branch; per capita distributes among the surviving members of the class.
References/topics from the Study Guide: Beneficiary Designations; Per Stirpes; Per Capita; Primary and Contingent Beneficiaries; Estate Planning Basics.
質問 # 104
A long-term-care policy commonly becomes eligible to pay benefits when the insured is certified as chronically ill because the insured:
正解：D
解説：
Long-term-care insurance commonly uses functional and cognitive triggers to determine benefit eligibility. A typical trigger is certification that the insured cannot perform at least two activities of daily living, or ADLs, without substantial assistance for the required period. Common ADLs include bathing, continence, dressing, eating, toileting, and transferring. Another common trigger is severe cognitive impairment requiring substantial supervision to protect the insured's health and safety.
Long-term-care coverage is not based merely on reaching a certain age, unemployment, or a premium- payment issue. It is designed to help pay for qualifying long-term services when the insured needs ongoing assistance because of chronic illness, disability, or cognitive impairment. Covered services may include nursing-home care, assisted living, adult day care, home health care, hospice care, and respite care, depending on the policy.
The producer should explain the elimination period, daily or monthly benefit limit, benefit period, inflation- protection options, facility restrictions, and policy exclusions. An insured may need care for years, so a policy with a low daily benefit or short benefit period may not meet the client's needs. Suitability requires evaluating likely care preferences, assets, family support, and affordability.
References/topics from the Study Guide: Long-Term Care Insurance; Activities of Daily Living; Cognitive Impairment; Benefit Triggers; Elimination Period.
質問 # 105
A producer offers a prospective life insurance applicant a gift card that is not stated in the policy as an inducement to purchase coverage. Which prohibited practice is most directly implicated?
正解：B
解説：
Rebating occurs when a producer or insurer offers, gives, or allows an inducement not specified in the policy to persuade a person to purchase insurance. A gift card offered solely because the applicant buys a life or health policy is a classic example of a potentially prohibited rebate. Nevada trade-practice law restricts rebates and other improper inducements because they can create unfair competition, mislead consumers, and distort insurance pricing.
The prohibition does not mean that every item of nominal value, educational material, or lawful consumer program is automatically illegal. The legality of a benefit depends on the statute, regulations, insurer programs, value, purpose, and whether it is tied improperly to the sale. Producers should follow current Nevada rules and insurer compliance guidance before offering anything of value in connection with a sale.
Coinsurance is a health-policy cost-sharing method. Subrogation is an insurer's right to recover from a responsible third party after paying a loss. Assignment transfers some or all policy rights from one party to another. None of those terms describes an improper sales inducement.
A producer should avoid promising gifts, refunds, premium reductions, or extra benefits unless specifically authorized and properly disclosed under applicable law and policy provisions.
References/topics from the Study Guide: Unfair Trade Practices; Rebating; Inducements; Producer Ethics; NRS 686A.110.
質問 # 106
A policy pays a stated dollar amount for each day an insured is confined to a hospital, regardless of the actual hospital bill. What type of coverage is this?
正解：D
解説：
Hospital indemnity insurance pays a fixed benefit for a covered hospital confinement, often expressed as a stated dollar amount per day. The payment is not based on the actual amount of the hospital bill. The insured may use the benefit for deductibles, transportation, household expenses, lost income, or other needs, subject to the policy terms. Because it pays a predetermined amount rather than reimbursing actual expenses, hospital indemnity coverage is generally considered limited-benefit or supplemental coverage.
Major medical insurance operates differently. It is designed to cover a broad range of medical expenses, subject to deductibles, coinsurance, network provisions, and out-of-pocket maximums. Major medical coverage generally reimburses or pays eligible expenses rather than merely paying a fixed daily hospital amount. The existence of hospital indemnity coverage does not replace the need for comprehensive health insurance.
The producer must clearly explain the limitations of indemnity products. It would be misleading to present a
$200-per-day hospital indemnity benefit as if it pays all hospital charges. Consumers should understand whether the policy is supplemental, what events trigger payment, whether preexisting-condition or waiting- period provisions apply, and whether benefits are payable in addition to other coverage.
References/topics from the Study Guide: Hospital Indemnity Insurance; Limited-Benefit Coverage; Supplemental Health Insurance; Major Medical; Fixed Indemnity Benefits.
質問 # 107
Which of the following statements is correct about the Coordination of Benefits provision?
正解：D
解説：
Coordination of Benefits, commonly called COB, applies when an insured is covered by more than one health plan. It establishes the order in which plans pay and limits the combined payment so the insured does not receive more than the amount of the covered expense. Choice B is correct because COB prevents a profit from duplicate health coverage while still allowing the insured to receive the benefits to which the insured is entitled. One plan is identified as primary and pays first under its policy terms. The secondary plan then considers the unpaid covered balance, subject to its own coordination provisions and limits. COB does not prohibit a person from owning more than one health policy, does not guarantee uninterrupted benefits when changing insurers, and does not authorize a general delay of a workers' compensation claim until benefits expire. Workers' compensation coordination depends on the applicable policy and governing law. On the examination, distinguish COB from nonduplication of benefits and from other insurance clauses; COB specifically allocates payment responsibility among multiple health plans. Study Guide References/Topics:
Group Health Insurance; Coordination of Benefits; Other Insurance Provisions.
質問 # 108
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