BML 13-3 Question Preview (ID: 9062)
Ch 13 Set 3.
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Term life insurance
a) is the only form of life insurance that is purely life insurance.
b) has cash value.
c) is the most expensive form of life insurance.
d) has an investment feature.
A variable life insurance policy
a) always has a lower death benefit than cash value.
b) has no guaranteed cash value.
c) is the least expensive form of term life insurance.
d) has variable premiums.
Which of these is probably the MOST expensive?
a) individual health insurance
b) group health insurance
c) a PPO
d) an HMO
This type of health insurance provides protection against the high costs of serious illnesses or injuries.
a) surgical insurance
b) major medical insurance
c) hospital insurance
d) basic health insurance
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) health maintenance organization (HMO)
d) holistic health organization (HHO)
This type of managed health care plan involves a medical clinic which provides prepaid health services and emphasizes preventative care.
a) preferred provider organization (PPO)
b) hospice organization (HO)
c) health maintenance organization (HMO)
d) holistic health organization (HHO)
Monthly payments under disability insurance are usually about ____ percent of the insured’s normal income.
a) 90-95%
b) 75-85%
c) 40-60%
d) 25-40%
Regular medical insurance covers
a) all or part of a surgeon's fee for an operation.
b) expenses for your hospital room and other necessary items.
c) fees for nonsurgical care given in a doctor's office or other location.
d) most dental and eye care procedures.
Health insurance companies discourage filing minor claims by
a) deductibles and coinsurance.
b) refusing to pay for them.
c) prohibiting customers from receiving unauthorized treatments.
d) revoking medical licenses for doctors who provide such services.
Who is responsible for insuring the contents inside an apartment or other rental property?
a) the property owner/landlord
b) the renter as an individual
c) all the renters together as a group
d) the government
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