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Insurance Licensing InsNV_Health02 Exam Braindumps - in .pdf Free Demo

  • Exam Code: InsNV_Health02
  • Exam Name: NV Accident and Health
  • Last Updated: Sep 27, 2026
  • Q & A: 132 Questions and Answers
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  • Exam Code: InsNV_Health02
  • Exam Name: NV Accident and Health
  • Last Updated: Sep 27, 2026
  • Q & A: 132 Questions and Answers
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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

SectionObjectives
Producer Duties and Ethics- Sales Practices
  • 1. Unfair trade practices
    • 2. Advertising and marketing rules
      - Ethical Responsibilities
      • 1. Fiduciary responsibilities
        • 2. Consumer protection requirements
          Health Insurance Policy Provisions- Claims and Benefits
          • 1. Claim procedures
            • 2. Benefit determination and payment
              - Mandatory and Optional Provisions
              • 1. Policy requirements and clauses
                • 2. Renewability provisions
                  Government Health Insurance Programs- Medicare
                  • 1. Medicare parts and eligibility
                    • 2. Medicare supplement insurance
                      - Medicaid and Other Programs
                      • 1. Medicaid eligibility and coverage
                        Accident and Health Insurance Fundamentals- Types of Health Insurance Policies
                        • 1. Individual health insurance
                          • 2. Group health insurance
                            • 3. Managed care plans
                              - Disability Income Insurance
                              • 1. Disability definitions and benefits
                                • 2. Elimination periods and benefit periods
                                  - Medical Expense Insurance
                                  • 1. Hospital, surgical, and physician expense coverage
                                    • 2. Major medical plans
                                      Insurance Basics- Insurance Contracts
                                      • 1. Policy provisions, riders, and exclusions
                                        • 2. Contract elements
                                          - Risk Management and Insurance Concepts
                                          • 1. Insurance principles and contract characteristics
                                            • 2. Types of risk and methods of handling risk
                                              General Insurance Regulation- Licensing Requirements and Responsibilities
                                              • 1. Producer licensing requirements
                                                • 2. Continuing education and license maintenance
                                                  - Nevada Insurance Department and Regulatory Authority
                                                  • 1. Insurance laws, rules, and regulations
                                                    • 2. Commissioner of Insurance powers and duties

                                                      Insurance Licensing NV Accident and Health Sample Questions:

                                                      Question #1

                                                      Which of the following is NOT a preventive benefit for adults?

                                                      • A. Skin cancer screening
                                                      • B. Mammograms
                                                      • C. High blood pressure screening
                                                      • D. Physical therapy
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: A  🗳️

                                                      Explanation: Only visible for DumpTorrent members. You can sign-up / login (it's free).

                                                      Question #2

                                                      An applicant unintentionally gives an incorrect answer about a material health condition on a life insurance application. This is best described as:

                                                      • A. A warranty that automatically voids the policy
                                                      • B. A premium-payment mode
                                                      • C. A representation that may be material to underwriting
                                                      • D. A rider
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: C  🗳️

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                                                      Question #3

                                                      A life insurance policy owner has paid $1,200 in premiums in six months for a $250,000 policy. The policyowner dies suddenly and the insurer pays the beneficiary $250,000. This exchange of unequal values reflects which of the following insurance contract features?

                                                      • A. Conditional
                                                      • B. Unilateral
                                                      • C. Personal
                                                      • D. Aleatory
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: D  🗳️

                                                      Explanation: Only visible for DumpTorrent members. You can sign-up / login (it's free).

                                                      Question #4

                                                      Under an individual Major Medical policy, a married policyowner has the right to take which of the following actions?

                                                      • A. Reinstate the policy within 3 years after it lapses
                                                      • B. Sue the insurance company for not paying a claim within 30 days after submission of Proof of Loss
                                                      • C. Demand binding arbitration if there is disagreement over a claim
                                                      • D. Add a newborn child to the policy without providing proof of insurability
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: D  🗳️

                                                      Explanation: Only visible for DumpTorrent members. You can sign-up / login (it's free).

                                                      Question #5

                                                      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?

                                                      • A. The deceased child's descendants receive that child's share.
                                                      • B. The surviving child receives all proceeds.
                                                      • C. The estate of the deceased child automatically receives all proceeds.
                                                      • D. The deceased child's share passes to the insurer.
                                                      Reveal Solution  Discussion  0

                                                      Correct Answer: A  🗳️

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