ILHI Indiana Life and Health Insurance Exam - Set 1 - Part 3

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 41: A Fort Wayne policyholder holds Medicare supplement Plan N. Under the Indiana birthday rule that took effect on January 1, 2026, a guaranteed issue window opens within sixty days of his birthday each year. Which of the following states what that window guarantees him?

Any richer lettered plan from another insurer

The same lettered plan from another insurer

A premium reduction from his current insurer

A fresh six month open enrollment period

Question 42: A Columbus family wants their son kept on the parent's Indiana accident and sickness policy for as long as state law allows, without regard to whether he is a student. Which of the following is the limiting age Indiana sets?

Nineteen years of age

Twenty-one years of age

Twenty-six years of age

Twenty-three years of age

Question 43: An Indiana resident receives delivery of an individual long term care policy and decides within three weeks that she does not want it. Indiana gives her a right to return the policy for a refund. How long is that window?

Thirty days from delivery

Ten days from delivery

Fifteen days from delivery

Sixty days from delivery

Question 44: Indiana delivers the state's children's health insurance program to uninsured children in families whose income sits above the Medicaid eligibility line but below the program's own ceiling. Which of the following names the program through which that coverage reaches Indiana children?

The Indiana Long Term Care Partnership

The Indiana life and health guaranty association

Hoosier Healthwise

The federally facilitated Marketplace

Question 45: An Indiana individual accident and sickness policy is written on a monthly premium basis, while a second policy in the same file is paid quarterly. Which of the following correctly states the grace period Indiana requires for each of those two policies?

Seven days monthly; ten days quarterly

Ten days monthly; thirty-one days quarterly

Thirty-one days for both policies

Ten days monthly; thirty days quarterly

Question 46: An Indiana accident and sickness policyholder suffers a covered loss and must tell the insurer that a claim is coming. Indiana's standard provisions set the time allowed for that first notice. Which of the following states that period under Indiana law?

Twenty days after the loss

Ninety days after the loss

Sixty days after the loss

Thirty days after the loss

Question 47: An Indiana Medicare supplement insurer wants to exclude benefits for a condition treated before the policy took effect. Its compliance officer checks how far out the exclusion may reach. Which of the following limits does Indiana place on that preexisting condition exclusion?

No losses incurred after twelve months

No losses incurred after six months

No losses incurred after twenty-four months

No exclusion is permitted at all

Question 48: Indiana's mandated benefits include a screening aimed at men, and the Department's filing checklist states both the frequency and the age at which coverage begins. Which of the following correctly matches the Indiana prostate screening mandate as that checklist states it?

One screening yearly after age 40

One screening every two years after 50

A baseline screening only, with no repeats

One screening yearly after age 50

Question 49: The Indiana Long Term Care Insurance Program links private policies to Medicaid eligibility. Under a policy whose initial coverage falls below the state set annual threshold, how much of the policyholder's assets are protected when she later applies for Medicaid?

All of her assets, without limit

Half of the benefits the policy paid

One dollar for each benefit dollar used

Nothing, since Partnership policies bar Medicaid

Question 50: An Indiana accident and sickness policy must cover a specific screening for women, structured as one initial study followed by regular coverage from a stated age. Which of the following describes Indiana's mammography mandate as the Department states it?

Baseline, then one yearly after age 40

One screening every two years after 40

One screening yearly after age 50

Coverage only for high risk women

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