17 Free Kansas Life & Health Practice Questions: Accident & Health Policy Types, Provisions and Riders (2026)

Question 1 (Chapter 6)

Two partners in a Kansas City law firm enter into a disability buy-sell agreement funded by a Business Disability Buyout policy. One partner becomes permanently disabled. How are the benefits usually paid?

• A) As monthly income to the disabled partner for life
• B) To the firm's creditors to pay off outstanding business loans
• C) As a tax-free reimbursement for the disabled partner's medical bills
• D) In a lump sum to the healthy partner to purchase the disabled partner's interest

Question 2 (Chapter 6)

An insured with a disability income policy changes their occupation from an office accountant to a construction worker without notifying the insurer. If the insured is later disabled on the job, how will the insurer likely handle the claim?

• A) Deny the claim for failure to disclose a material change
• B) Pay the claim in full because the policy is noncancellable
• C) Refund all premiums and cancel the policy back to the date of the job change
• D) Reduce the benefits to what the premium paid would have purchased for the more hazardous occupation

Question 3 (Chapter 6)

A Long-Term Care (LTC) policy provides coverage for 'Intermediate Care.' What does this typically mean?

• A) Continuous 24-hour nursing care under the direction of a physician
• B) Assistance with Activities of Daily Living (ADLs) provided by non-medical staff
• C) Care provided in the insured's home by family members
• D) Occasional nursing or rehabilitative care provided by medical personnel

Question 4 (Chapter 6)

Under the 'Physical Examination and Autopsy' mandatory provision, who is responsible for the costs of the examination?

• A) The insured
• B) The Kansas Department of Insurance
• C) The insured's estate
• D) The insurer

Question 5 (Chapter 6)

A young professional has a disability income policy and wants the ability to increase their coverage in the future as their salary grows, without having to prove insurability. Which rider should they add?

• A) Cost of Living Adjustment (COLA) Rider
• B) Return of Premium Rider
• C) Social Insurance Supplement Rider
• D) Guaranteed Insurability Rider

Question 6 (Chapter 6)

An employer in Topeka establishes a Health Reimbursement Account (HRA) for its employees. Which of the following is a true characteristic of an HRA?

• A) Employees must contribute at least 2% of their salary via payroll deduction.
• B) It must be paired with a High Deductible Health Plan (HDHP).
• C) Remaining funds must be forfeited to the state at the end of the year.
• D) It is funded entirely by employer contributions.

Question 7 (Chapter 6)

An insured is injured while attempting to rob a convenience store in Wichita. He files a claim under his individual health insurance policy. The policy includes the optional 'Illegal Occupation' provision. How will the insurer respond?

• A) The insurer is not liable for the loss because it resulted from the insured's commission of a felony.
• B) The insurer will pay the claim but then cancel the policy.
• C) The insurer will pay 50% of the claim as a compromise.
• D) The insurer must pay the claim unless the insured is convicted in a court of law.

Question 8 (Chapter 6)

According to the 'Time of Payment of Claims' provision, for a claim that does not involve periodic payments (like a one-time medical bill), when must the insurer pay the claim after receiving proof of loss?

• A) Immediately
• B) Within 30 days
• C) Within 60 days
• D) On the next policy anniversary

Question 9 (Chapter 6)

In the 'Consideration Clause' of a health insurance contract, what is the consideration provided by the applicant?

• A) The promise to pay future claims.
• B) The policy summary provided by the agent.
• C) The commission paid to the producer.
• D) The statements made in the application and the initial premium.

Question 10 (Chapter 6)

A Kansas resident's health insurance policy lapses. They submit a reinstatement application on October 1st, and the insurer reinstates the policy on October 15th. On October 20th, the insured is hospitalized with a severe case of pneumonia. How will the insurer handle the claim?

• A) The claim will be paid because the policy is active
• B) The claim will be denied because pneumonia is always a pre-existing condition
• C) The claim will be denied because sickness is only covered after a 10-day waiting period following reinstatement
• D) The claim will be paid only if the insured pays an additional reinstatement fee

Question 11 (Chapter 6)

An insured has a disability policy with the 'Change of Occupation' optional provision. He leaves his job as a high-voltage line worker to become a librarian. If he notifies the insurer of this change, what action will the insurer take?

• A) Cancel the policy immediately
• B) Keep the premium the same but increase the benefits
• C) Deny any future claims because librarians are not 'disabled'
• D) Reduce the premium and refund any excess unearned premium

Question 12 (Chapter 6)

A Kansas worker is concerned about the financial impact of a heart attack or stroke. He purchases a policy that pays a lump-sum benefit directly to him upon the diagnosis of one of these specific conditions. This is a:

• A) Major Medical Policy
• B) HMO Plan
• C) Critical Illness Policy
• D) Disability Income Policy

Question 13 (Chapter 6)

According to the mandatory uniform provisions (K.S.A. 40-2203), an insured should provide a 'Notice of Claim' to the insurer within how many days of the loss, or as soon as reasonably possible?

• A) 10 days
• B) 15 days
• C) 20 days
• D) 90 days

Question 14 (Chapter 6)

A 66-year-old retiree in Topeka has a Health Savings Account (HSA) that he funded while he was working and covered by a High Deductible Health Plan (HDHP). He wants to withdraw money from the HSA to buy a new television. Which of the following is true regarding the tax treatment of this withdrawal?

• A) The withdrawal is tax-free because he is over age 65.
• B) The withdrawal is subject to income tax, but the 20% penalty is waived because he is over age 65.
• C) The withdrawal is subject to income tax and a 20% penalty.
• D) HSA funds can never be used for non-medical expenses under any circumstances.

Question 15 (Chapter 6)

An HMO member in Kansas is dissatisfied with the HMO's refusal to cover a specific experimental treatment. What is the member's first step in resolving this conflict?

• A) File a lawsuit against the HMO in Kansas District Court.
• B) Use the HMO's internal grievance or appeals procedure.
• C) Contact the Kansas Insurance Commissioner immediately.
• D) Cancel the policy and request a full refund of all premiums paid.

Question 16 (Chapter 6)

An employee in Kansas participates in a Flexible Spending Account (FSA). At the end of the year, she has $200 remaining in the account. Her employer's plan includes the 'Carryover' option allowed by the IRS. What happens to that $200?

• A) She must spend it within the first 2.5 months of the new year or lose it.
• B) The $200 is forfeited to the employer immediately.
• C) The $200 can be rolled over into the next plan year.
• D) The $200 is paid out to her as taxable income.

Question 17 (Chapter 6)

A Kansan is covered by a Preferred Provider Organization (PPO). He needs a routine physical and chooses to see a doctor who is 'In-Network.' How does this affect his out-of-pocket costs?

• A) He will pay the same amount as if he went out-of-network.
• B) The PPO will not cover the visit at all unless he has a referral.
• C) His costs will be lower because the PPO provides a financial incentive to use network providers.
• D) He will have to pay the full bill and wait for a reimbursement check from the PPO.