10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The IL A&H exam has 99 questions and runs 2 hours 10 minutes.
These 10 free IL A&H questions are organized by exam domain, so you can see how each part of the Illinois Accident & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
Two surgeons own a practice equally. Their agreement requires the practice to purchase either owner's interest if a disability prevents that owner from returning after 18 months. Which policy is designed to supply the purchase money?
Correct answer: C - Business disability buyout insurance
A major medical claim has a $15,000 billed charge and a $12,000 allowed covered expense. The insured has $2,000 of deductible remaining and then pays 20% coinsurance. No copayment or out-of-pocket maximum applies. How much should the insurer pay?
Correct answer: A - $8,000
Following a termination unrelated to gross misconduct, an employee elects COBRA. Ten months later, a divorce occurs that would have ended the spouse's coverage absent the termination. With all notices timely, how long may the spouse continue coverage, measured from the termination?
Correct answer: D - 36 months total from the original termination
A practitioner certifies that an insured will need substantial help with bathing, dressing, and transferring for six months. Shopping and money management remain intact, and no severe cognitive impairment exists. How does a federally tax-qualified long-term care policy treat this assessment?
Correct answer: B - The insured qualifies under the functional-capacity benefit trigger
An insured gives timely written notice of a covered loss, but the insurer does not furnish its claim forms within 15 days. What may the claimant do under the Illinois uniform provision to preserve the claim?
Correct answer: B - Use timely written proof describing the loss's occurrence, character, and extent
A lapsed A&H policy requires a reinstatement application and conditional receipt. No approval or disapproval follows. The insured is injured accidentally on day 48; sickness begins on day 53. What result follows under Illinois law?
Correct answer: D - The accident may be covered, but the sickness began too soon after reinstatement
A policy bars health-based cancellation of one insured but permits a premium increase for the entire class. Identify the renewability provision.
Correct answer: A - Guaranteed renewable
A beneficiary has Medicare Parts A and B and Medicaid. For a Medicare-covered outpatient physician service, which payer sequence is correct?
Correct answer: C - Medicare Part B pays first; Medicaid may pay allowable remaining cost sharing
An insured earned $8,000 monthly before disability and $5,200 after returning in a reduced role. A residual rider pays the same percentage of a $4,000 base benefit as the earnings-loss percentage. Select the correct classification and benefit.
Correct answer: D - Residual disability; $1,400
An underwriter flags an MIB code that conflicts with an applicant's answer. The applicant then admits omitting a recent specialist evaluation because no final diagnosis was made. What is the producer's best action?
Correct answer: A - Document the disclosure in a signed amendment and submit it for underwriting
The IL A&H exam also covers these domains. Drill them in the full free practice test:
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