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Insurance Licensing InsNV_Health02 : NV Accident and Health

InsNV_Health02

Exam Code: InsNV_Health02

Exam Name: NV Accident and Health

Updated: Sep 27, 2026

Q & A: 132 Questions and Answers

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Nevada Statutes, Rules and Regulations~32%- General State Insurance Regulations
  • 1. Definitions and General Provisions
  • 2. Marketing Practices and Unfair Trade
  • 3. Insurance Commissioner Authority
  • 4. Agent Licensing Requirements
  • 5. Insurance Guaranty Associations
- Nevada Health-Specific Regulations
  • 1. Replacement and Free-Look Provisions
  • 2. Advertising and Disclosure Rules
  • 3. Group and Credit Health Rules
Topic 2: Accident and Health — General Knowledge~68%- Social Insurance / Government Plans
  • 1. Medicaid
  • 2. Medicare (Parts A, B, C, D)
  • 3. Social Security Disability Benefits
- Insurance Concepts and Underwriting
  • 1. Premiums and Renewal
  • 2. Insurance Basics and Risk
  • 3. Application and Underwriting
- Policy Provisions, Clauses & Riders
  • 1. Mandatory Uniform Provisions
  • 2. Other Provisions and Clauses
  • 3. Common Riders
  • 4. Optional Provisions
- Types of Health Insurance Policies
  • 1. Long-Term Care (LTC) Insurance
  • 2. Group Health Insurance
  • 3. Limited Benefit Plans
  • 4. Medical Expense / Major Medical Insurance
  • 5. Accidental Death & Dismemberment
  • 6. Medicare Supplement Policies
  • 7. Disability Income Insurance

Insurance Licensing NV Accident and Health Sample Questions:

Question #1
In a disability income policy, the elimination period is best described as:

A. The maximum period for which premiums are waived
B. The waiting period after disability begins before benefits become payable
C. The period during which the policy cannot be cancelled
D. The period after disability during which benefits are payable


Question #2
Which of the following BEST describes Medicare Advantage Plans?

A. Long-Term care benefits rider added to basic Medicare benefits
B. Federally funded welfare benefit plans
C. Privately subsidized government insurance
D. Government Subsidized private insurance


Question #3
For Social Security disability benefits, which statement is generally correct?

A. The program uses a strict definition of disability involving inability to perform substantial work for a required duration.
B. The program is funded entirely by private insurance premiums.
C. Benefits are available only to persons age 65 or older.
D. Benefits are payable for any short-term illness that prevents work for one week.


Question #4
Under an Accidental Death and Dismemberment policy, in which of the following circumstances will an autopsy NOT be performed?

A. When the cause of death was an illness
B. When the cause of death was an accident
C. When the beneficiary refuses to give consent
D. When it is prohibited by law


Question #5
Which statement best describes a group life conversion privilege?

A. It transfers the employee's group policy cash value to a retirement account.
B. It guarantees that the group premium will never increase.
C. It allows the employer to convert all employees into beneficiaries.
D. It allows an insured leaving the group to obtain individual coverage without evidence of insurability, subject to the policy terms.


Solutions:

Question #1
Correct Answer: B
Question #2
Correct Answer: D
Question #3
Correct Answer: A
Question #4
Correct Answer: D
Question #5
Correct Answer: D

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