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BML 13-3
Test Description: Ch 13 set 3
Instructions: Answer all questions to get your test result.
1) Term life insurance
A
has an investment feature.
B
is the only form of life insurance that is purely life insurance.
C
has cash value.
D
is the most expensive form of life insurance.
2) A variable life insurance policy
A
is the least expensive form of term life insurance.
B
has variable premiums.
C
always has a lower death benefit than cash value.
D
has no guaranteed cash value.
3) Which of these is probably the MOST expensive?
A
an HMO
B
group health insurance
C
individual health insurance
D
a PPO
4) This type of health insurance provides protection against the high costs of serious illnesses or injuries.
A
basic health insurance
B
surgical insurance
C
hospital insurance
D
major medical insurance
5) This type of managed health care plan involves several health care providers who contract with an insurance company to provide services to members.
A
preferred provider organization (PPO)
B
hospice organization (HO)
C
holistic health organization (HHO)
D
health maintenance organization (HMO)
6) This type of managed health care plan involves a medical clinic which provides prepaid health services and emphasizes preventative care.
A
hospice organization (HO)
B
health maintenance organization (HMO)
C
preferred provider organization (PPO)
D
holistic health organization (HHO)
7) Monthly payments under disability insurance are usually about ____ percent of the insured’s normal income.
A
40-60%
B
90-95%
C
25-40%
D
75-85%
8) Regular medical insurance covers
A
expenses for your hospital room and other necessary items.
B
all or part of a surgeon's fee for an operation.
C
fees for nonsurgical care given in a doctor's office or other location.
D
most dental and eye care procedures.
9) Health insurance companies discourage filing minor claims by
A
deductibles and coinsurance.
B
revoking medical licenses for doctors who provide such services.
C
prohibiting customers from receiving unauthorized treatments.
D
refusing to pay for them.
10) Who is responsible for insuring the contents inside an apartment or other rental property?
A
the property owner/landlord
B
the government
C
the renter as an individual
D
all the renters together as a group
*select an answer for all questions
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