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Free Rhode Island Accident and Health Producer Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Rhode Island Accident and Health Producer practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A self-employed consultant wants benefits to replace her own lost earnings if illness prevents her from working. Which disability coverage best fits that need?

    1. A. Individual disability income policy
    2. B. Business overhead expense policy
    3. C. Business disability buy-sell policy
    4. D. Key-person disability income policy

    Answer: A

    Explanation: The NAIC describes a disability benefit based on "earned income pre-disability." Individual disability income addresses the consultant's personal earnings. Overhead pays business expenses, buy-sell funds an ownership transfer, and key-person coverage protects a business from a key worker's disability.

    Reference: NAIC, Simplifying the Complications of Disability Insurance — Comparing Disability Policies—Amount of Benefits

  2. 2An agent tells a Rhode Island accident-and-sickness policyholder that the agent's oral promise has changed a policy term. Who must approve a valid policy change under the entire-contract provision?

    1. A. An executive officer of the insurer
    2. B. The selling insurance producer
    3. C. The policyholder's beneficiary
    4. D. The examining claims adjuster

    Answer: A

    Explanation: Rhode Island's provision says, "No change in this policy shall be valid until approved by an executive officer of the insurer" and also requires that approval be endorsed or attached. It adds that no agent has authority to change the policy. The producer's oral promise alone does not amend the contract.

    Reference: Rhode Island General Laws § 27-18-3 — R.I. Gen. Laws § 27-18-3(a)(1), Entire Contract

  3. 3A Medicare beneficiary asks which part of Original Medicare generally helps pay for a physician's outpatient visit. Which part applies?

    1. A. Part A hospital insurance
    2. B. Part B medical insurance
    3. C. Part C Medicare Advantage
    4. D. Part D prescription drug coverage

    Answer: B

    Explanation: Medicare.gov says Part B helps cover "Services from doctors and other health care providers" and "Outpatient care." Part A principally addresses inpatient and related services; Part C is the Advantage option, and Part D addresses drugs.

    Reference: Medicare.gov, Parts of Medicare — Parts of Medicare—Part B (Medical Insurance)

  4. 4After a covered disability, an insured returns to work part time and earns less than before. Which disability benefit is designed to address the earnings gap?

    1. A. Total disability benefit
    2. B. Recurrent disability benefit
    3. C. Residual disability benefit
    4. D. Presumptive disability benefit

    Answer: C

    Explanation: The NAIC says, "Residual Benefit(s) - This coverage fills the gap in income if you are partially disabled, resulting in reduced income." A total disability benefit addresses a different degree of impairment, recurrent refers to a later related disability, and presumptive disability uses specified triggers.

    Reference: NAIC, Simplifying the Complications of Disability Insurance — Comparing Disability Policies—Residual Benefit(s)

  5. 5A disability applicant has chosen a business overhead plan, but the plan-selection field of the application is blank. What information must the producer have the applicant specify there before submission?

    1. A. The selected disability plan and requested benefit type
    2. B. The premium payor and selected billing method
    3. C. The existing policies and intended replacements
    4. D. The medical history and current treatment record

    Answer: A

    Explanation: The Insurance Compact's Type of Policy standard requires the applicant to specify the selected disability plan and "the type of disability benefits to be provided." The empty plan-selection field therefore needs A. Premium billing, existing coverage, and medical history are other real application topics but do not identify the chosen plan and benefits.

    Reference: Insurance Compact, Individual Disability Income Insurance Application Standards — Application standards, § E Type of Policy (1)

  6. 6During an authorized Rhode Island examination of an insurer, what access must the insurer give the examiner?

    1. A. Free access to relevant books and records at reasonable hours
    2. B. Access only after a court issues a search warrant
    3. C. Access only to records created in the current calendar year
    4. D. Access only if the insurer's board unanimously consents

    Answer: A

    Explanation: Rhode Island law grants the examiner “free access at all reasonable hours” to the insurer's books, records, accounts, papers, documents, and computer or other recordings. This access is not conditioned on a warrant or board vote.

    Reference: Title 27 Insurance — R.I. Gen. Laws § 27-13.1-4(b)

  7. 7A Rhode Island divorce judgment orders continuation of health benefits for a former spouse. Which condition may the plan impose on that continuation?

    1. A. A new medical examination
    2. B. An additional premium solely because of the divorce
    3. C. A new preexisting-condition waiting period
    4. D. The statutory continuation may proceed without additional premium or examination

    Answer: D

    Explanation: Section 27-20.4-1 provides continuation “without additional premium or examination” when the divorce judgment orders it and the statutory conditions are met. Divorce alone does not trigger new underwriting.

    Reference: Rigl 27 20.4 1 — R.I. Gen. Laws § 27-20.4-1(a)

  8. 8A sole proprietor becomes disabled, but her office still owes rent, utilities, and staff wages. What should a business overhead expense policy address?

    1. A. Ongoing rent, utilities, and staff payroll
    2. B. Purchase price of the owner's business share
    3. C. Replacement of the owner's personal salary
    4. D. Hospital bills incurred by the owner's staff

    Answer: A

    Explanation: The NAIC states, "This type of provision covers standard business expenses such as payroll, utilities, rent, etc., while the business owner recovers from a disability." The listed operating costs fit overhead coverage; an ownership buyout, personal salary, and employees' medical claims are different obligations.

    Reference: National Association of Insurance Commissioners, Small Business Insurance — Disability Insurance—business overhead insurance

  9. 9A Rhode Island individual accident-and-sickness policy collects premiums monthly. What is the minimum grace period for a renewal premium, during which the policy remains in force?

    1. A. 7 days
    2. B. 10 days
    3. C. 30 days
    4. D. 31 days

    Answer: B

    Explanation: The Rhode Island provision sets "“ten” (10) for monthly premium policies" and states that the policy continues in force during the grace period. Seven days is the weekly minimum; 31 days applies to other policies. The question asks the minimum, so a longer period is not the keyed threshold.

    Reference: Rhode Island General Laws § 27-18-3 — R.I. Gen. Laws § 27-18-3(a)(3), Grace Period

  10. 10An eligible person compares Original Medicare with Medicare Advantage. Which description identifies Medicare Advantage, also called Part C?

    1. A. A private plan bundling Parts A and B and usually Part D
    2. B. A stand-alone drug plan added to Original Medicare
    3. C. A private supplement paying gaps in Original Medicare
    4. D. A joint federal-state program for eligible low-income people

    Answer: A

    Explanation: Medicare.gov describes Advantage as an approved private plan and states, "These “bundled” plans include Part A, Part B, and usually Part D." The other options describe Part D drug coverage, Medigap, and Medicaid, respectively.

    Reference: Medicare.gov, Parts of Medicare — Parts of Medicare—Medicare Advantage (Part C)

Topics in this practice bank

These topics describe the available practice for Rhode Island Accident and Health Producer. Review the examination outline and its sources for scope and allocation details.

  • Accident & Health – General Knowledge / I. TYPES OF POLICIES
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • Accident & Health – General Knowledge / II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • Accident & Health – General Knowledge / III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • Accident & Health – General Knowledge / IV. OTHER INSURANCE CONCEPTS
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
  • Accident & Health – General Knowledge / V. FIELD UNDERWRITING PROCEDURES
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • Accident & Health – Rhode Island Specific / I. RHODE ISLAND LAWS, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT, AND HEALTH INSURANCE
    • A. Commissioner/Director
    • A. Commissioner/Director / 1. Broad powers
    • A. Commissioner/Director / 2. Examination of records/record retention
    • A. Commissioner/Director / 3. Notice and hearing
    • A. Commissioner/Director / 4. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic, foreign, and alien companies
    • B. Definitions / 2. Stock and mutual companies
    • B. Definitions / 3. Fraternal benefit societies
    • C. Licensing
    • C. Licensing / 1. Continuing Education
    • C. Licensing / 2. Licensing requirements for a producer
    • C. Licensing / 3. Termination of license
    • C. Licensing / 4. Revocation, suspension or denial
    • C. Licensing / 5. Temporary license and license prohibited
    • C. Licensing / 6. Producer Compensation Disclosure
    • D. Marketing practices
    • D. Marketing practices / 1. Unfair methods and practices
    • D. Marketing practices / 1. Unfair methods and practices / b. Rebating
    • D. Marketing practices / 1. Unfair methods and practices / c. Misrepresentation
    • D. Marketing practices / 1. Unfair methods and practices / d. Defamation
    • D. Marketing practices / 1. Unfair methods and practices / e. Theft
    • D. Marketing practices / 1. Unfair methods and practices / f. Penalties
    • E. Fiduciary responsibilities
    • F. Life and Health Guaranty Association
    • G. Privacy of Consumer Information
  • Accident & Health – Rhode Island Specific / II. RHODE ISLAND LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
    • A. Mandated benefits
    • A. Mandated benefits / 1. Extended medical benefits
    • A. Mandated benefits / 2. Substance abuse and serious mental illness
    • A. Mandated benefits / 3. Home health care
    • A. Mandated benefits / 4. Newborn children
    • A. Mandated benefits / 5. Pediatric preventive care
    • A. Mandated benefits / 6. Mammograms and pap smears
    • A. Mandated benefits / 7. Newborn Screening
    • A. Mandated benefits / 8. Infertility
    • A. Mandated benefits / 9. Adoptive children
    • A. Mandated benefits / 10. Nurse midwives
    • A. Mandated benefits / 11. Diabetes
    • A. Mandated benefits / 12. Mastectomy
    • A. Mandated benefits / 13. Lyme Disease
    • A. Mandated benefits / 14. Affordable Care Act mandated benefits
    • B. Coordination of benefits
    • C. Health Maintenance Organizations (HMO)
    • D. Legal services insurance
    • E. Advertising
    • F. Stop Loss Insurance
    • G. Long term care insurance
    • H. Medicare supplement insurance
    • I. Small Employer Health Insurance

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