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Arizona Life & Health Insurance Examination

Arizona Life & Health Practice Test

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Today's 10 Arizona Life & Health questions

Use this Arizona Life & Health practice test to review Arizona Life & Health Insurance. Questions rotate daily and each answer links back to the source used to write it.

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Question 1 of 10
Objective Waiver and estoppel General Insurance Concepts

An insurer knowingly accepts late premiums for months without enforcing a contractual deadline, and the policyowner reasonably relies on that practice. Which pair of doctrines may limit the insurer’s later attempt to enforce the deadline without warning?

Concept tested:
Source:Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline
Question 2 of 10
Objective Business uses — key person life insurance Life, Accident and Health Insurance Basics

A software company would face recruiting costs and lost revenue if its chief architect died. The company wants a policy whose proceeds would help absorb that business loss. Which arrangement best fits?

Concept tested:
Question 3 of 10
Objective Business overhead expense insurance Disability Income and Related Insurance

A self-employed dentist wants disability coverage that will pay office rent, employee salaries, utilities, and other eligible practice expenses while the dentist is disabled. Which product fits?

Concept tested:
Question 4 of 10
Objective Indexed annuity Annuities

A fixed annuity credits interest using a formula linked to a market index, includes a guaranteed minimum under the contract, and does not directly invest the owner’s value in index shares. What type is it?

Concept tested:
Question 5 of 10
Objective Employer-paid disability insurance Federal Tax Considerations for Life and Health Insurance

An employer pays the full premium for an employee’s disability income coverage and does not include the premium in the employee’s taxable income. The employee later receives disability benefits. What is the general federal tax result?

Concept tested:
Question 6 of 10
Objective Survivorship life — second-to-die Types of Life Insurance Policies

A married couple expects estate taxes or other liquidity needs after both spouses have died rather than at the first death. Which life policy structure most directly addresses that timing?

Concept tested:
Question 7 of 10
Objective Business uses — buy-sell funding Life, Accident and Health Insurance Basics

Two equal partners agree that if either dies, the survivor will buy the deceased owner’s business interest from the estate. They want insurance proceeds to fund that purchase. What planning use is this?

Concept tested:
Question 8 of 10
Objective COBRA — job loss Group Health Insurance

A worker covered by a qualifying employer group health plan loses coverage because employment ends for a reason other than gross misconduct. What federal continuation period generally applies to the employee for that qualifying event?

Concept tested:
Question 9 of 10
Objective POS plan Medical Plans

A client wants a plan with a primary-care coordination structure but also some ability to obtain out-of-network care at higher cost. Which plan type is most associated with that combination?

Concept tested:
Question 10 of 10
Objective Long-term care — elimination period Specialized Health Insurance for Qualified Individuals

An LTC policy has a 90-day elimination period. An insured otherwise meets the benefit trigger on January 1. What does the elimination period describe?

Concept tested:
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Question 1 An insurer knowingly accepts late premiums for months without enforcing a contractual deadline, and the policyowner reasonably relies on that practice. Which pair of doctrines may limit the insurer’s later attempt to enforce the deadline without warning?

Answer choices

  1. A. Subrogation and indemnity.
  2. B. Adhesion and aleatory.
  3. C. Waiver and estoppel.
  4. D. Representation and concealment.

Correct answer

Waiver and estoppel.

Waiver is the voluntary relinquishment of a known right; estoppel can prevent a party from asserting a right when its conduct caused reasonable detrimental reliance.

Wrong-answer review

  • A. Subrogation and indemnity.: Incorrect. Those doctrines concern recovery and restoration after loss, not relinquishment of a known right and reliance.
  • B. Adhesion and aleatory.: Incorrect. Those are contract characteristics, not the doctrines created by repeated nonenforcement and reliance.
  • D. Representation and concealment.: Incorrect. Those concern statements or nondisclosure, not the insurer’s course of conduct in this scenario.

Extra learning features

Why candidates miss this

The tempting error is to choose "Subrogation and indemnity." because it sounds like a nearby insurance concept. The decisive rule is: Waiver necessitates knowledge of the relinquished right. Estoppel hinges on 'reasonable detrimental reliance' – the reliance must be justifiable given the circumstances. Exam cue: Waiver: Give it up knowingly.. Likely wrong answer: Subrogation and indemnity. Review focus: PSI — Arizona Series 13-33 Content Outline

Why this matters

Waiver necessitates knowledge of the relinquished right. Getting this wrong can lead to an unsuitable recommendation or an incorrect coverage expectation. On the exam, the distinction is tested through short application scenarios rather than pure vocabulary.

Objective/domain: General Insurance Concepts

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

Question 2 A software company would face recruiting costs and lost revenue if its chief architect died. The company wants a policy whose proceeds would help absorb that business loss. Which arrangement best fits?

Answer choices

  1. A. A personal family-income policy owned by the architect’s child.
  2. B. Group health conversion coverage on the architect to address the firm’s revenue exposure.
  3. C. Key person life insurance owned by the business on the chief architect.
  4. D. A buy-sell policy owned solely to pay the architect’s medical expenses.

Correct answer

Key person life insurance owned by the business on the chief architect.

Objective/domain: Life, Accident and Health Insurance Basics

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

Question 3 A self-employed dentist wants disability coverage that will pay office rent, employee salaries, utilities, and other eligible practice expenses while the dentist is disabled. Which product fits?

Answer choices

  1. A. Key person life insurance.
  2. B. Personal disability income only.
  3. C. Medicare Part A.
  4. D. Business overhead expense disability insurance.

Correct answer

Business overhead expense disability insurance.

Objective/domain: Disability Income and Related Insurance

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

Question 4 A fixed annuity credits interest using a formula linked to a market index, includes a guaranteed minimum under the contract, and does not directly invest the owner’s value in index shares. What type is it?

Answer choices

  1. A. A variable annuity.
  2. B. A life-only immediate annuity.
  3. C. A term life policy.
  4. D. A fixed indexed annuity.

Correct answer

A fixed indexed annuity.

Objective/domain: Annuities

Source: NAIC — Annuities

Question 5 An employer pays the full premium for an employee’s disability income coverage and does not include the premium in the employee’s taxable income. The employee later receives disability benefits. What is the general federal tax result?

Answer choices

  1. A. The benefits are tax-free because the employee did not pay the premium.
  2. B. The disability benefits are generally taxable to the employee because the employer paid the premium on a pre-tax basis.
  3. C. The benefits are taxed only if paid directly to a hospital.
  4. D. The employer must include the disability benefits in its own income even though the employee receives the payments under the plan.

Correct answer

The disability benefits are generally taxable to the employee because the employer paid the premium on a pre-tax basis.

Objective/domain: Federal Tax Considerations for Life and Health Insurance

Source: IRS Publication 525 — Taxable and Nontaxable Income

Question 6 A married couple expects estate taxes or other liquidity needs after both spouses have died rather than at the first death. Which life policy structure most directly addresses that timing?

Answer choices

  1. A. Joint life first-to-die insurance coverage for both insureds.
  2. B. Decreasing term on one spouse.
  3. C. Survivorship life, or second-to-die, insurance.
  4. D. Immediate life annuity on one spouse.

Correct answer

Survivorship life, or second-to-die, insurance.

Objective/domain: Types of Life Insurance Policies

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

Question 7 Two equal partners agree that if either dies, the survivor will buy the deceased owner’s business interest from the estate. They want insurance proceeds to fund that purchase. What planning use is this?

Answer choices

  1. A. Medicare Supplement coverage for each partner’s business interest.
  2. B. Life insurance funding of a buy-sell agreement.
  3. C. A key employee bonus plan.
  4. D. A disability income elimination-period strategy.

Correct answer

Life insurance funding of a buy-sell agreement.

Objective/domain: Life, Accident and Health Insurance Basics

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

Question 8 A worker covered by a qualifying employer group health plan loses coverage because employment ends for a reason other than gross misconduct. What federal continuation period generally applies to the employee for that qualifying event?

Answer choices

  1. A. Exactly 6 months under HIPAA continuation.
  2. B. Up to 36 months for every termination of employment, regardless of which qualified beneficiary experiences the COBRA qualifying event.
  3. C. Up to 18 months of COBRA continuation coverage, assuming the other requirements are met.
  4. D. No continuation right exists after employment ends.

Correct answer

Up to 18 months of COBRA continuation coverage, assuming the other requirements are met.

Objective/domain: Group Health Insurance

Source: U.S. Department of Labor — An Employee’s Guide to Health Benefits Under COBRA

Question 9 A client wants a plan with a primary-care coordination structure but also some ability to obtain out-of-network care at higher cost. Which plan type is most associated with that combination?

Answer choices

  1. A. A point-of-service plan.
  2. B. A pure indemnity life policy.
  3. C. An HSA by itself.
  4. D. A Medicare Part D stand-alone drug plan.

Correct answer

A point-of-service plan.

Objective/domain: Medical Plans

Source: HealthCare.gov — Health insurance plan and network types

Question 10 An LTC policy has a 90-day elimination period. An insured otherwise meets the benefit trigger on January 1. What does the elimination period describe?

Answer choices

  1. A. The waiting period during which qualifying care must satisfy the contract before benefits begin, as defined by the policy.
  2. B. The maximum number of days LTC benefits may be paid, rather than the waiting period before covered benefits begin under the policy.
  3. C. The time after issue during which the insurer may cancel solely because the insured gets older.
  4. D. The period during which all premiums are refunded after the long-term care benefit trigger is met.

Correct answer

The waiting period during which qualifying care must satisfy the contract before benefits begin, as defined by the policy.

Objective/domain: Specialized Health Insurance for Qualified Individuals

Source: Arizona Life, Accident and Health or Sickness Insurance Producer Series 13-33 Content Outline

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