Aflac ACL06-10

for Lump Sum Critical Illness guaranteed-issue is available to all applicants for how many dollars of coverage?

$10,000

Aflac's Accident Only coverage may provide the following benefits for covered accidents:

-Ambulance benefit -Hospital confinement benefit -accident treatment benefit

Which of the following are characteristics of Cancer coverage from Aflac?

-Coverage is individually owned -cancer or an associated cancerous condition diagnosed before the cancer coverage has been in force 30 days is not covered (may vary by state) -Aflac's Cancer policies offer multiple benefits

Aflac coverage does NOT cover losses resulting from:

-Inflicting self-harm -participating in a felony -being exposed to war or any act of war

which of the following is an example of misrepresentation in the insurance context?

-Telling a customer that there is no waiting period for benefits when the policy contains a seven day waiting period -advising a customer that their Aflac coverage can replace major medical insurance

if you provide false or misleading statements to Aflac regarding your insurance sales activity or knowingly allowing false or misleading statements on a customers application for coverage or claim form:

-Your contract may be suspended -your contract may be terminated

which of the following are examples of need-based insurance sales strategies?

-asking your customer about their current insurance coverage -taking time to learn about a customers insurance needs and financial objectives and obligations -using salary illustrations to show the impact of premium payments on take home pay

Dental coverage from Aflac offers benefits that include:

-dental wellness/health screening benefit and X-ray -fillings and pain management -oral surgery, gum treatments, and prosthetic repair/services -crowns

Vision coverage from Aflac is designed to provide:

-eye examination benefit and vision correction benefit -specific eye disease/disorders benefit -eye surgery benefit and permanent visual impairment benefit

Which of the following are examples of personal/protected information?

-health condition -treatment dates -medical diagnosis

Incentive programs inclue

-promotions -contests -sweepstakes

In the event you must send personal/confidential information (PHI/PII) Via email extrtnally,

-send only the information needed -encrypt email file attachments -validate all recipient email addresses

Aflac's cancer coverage provides which of the following benefits?

-surgical -Nonsurgical

Cancer coverage from Aflac is designed to provide:

-wellness/health screening -hospitalization and continuing care benefits -ambulance, transportation, lodging and bone marrow screening benefits

Aflac's Term Life may be appropriate for adult customers looking for life coverage for:

10,20, or 30 years

Most Whole Life plans endow at age______

100

in most states, Children____ years and under can be covered under Aflac policies

26

With Aflac's Hospital Indemnity coverage, in most states, newborn children of policyholders are automatically covered from the moment of birth for_____ days; however, confinement for routine nursing or routine well-baby care for a newborn child is usually excluded.

30

Which of the following is NOT a characteristic of Vision Now coverage?

Changes can be made multiple times per policy year

Aflac's dental policy includes two optional riders: the orthodontic benefit rider and the cosmetic benefit rider. the _______ is payable on an after-tax basis only..

Cosmetic benefit

Which of the following is a characteristics of Individual Hospital Indemnity coverage from Aflac?

Coverage is individually owned and has a guaranteed issue feature

Cancer coverage from Aflac pays for treatment of cancer and associated cancerous conditions, including _____ ,_____, or recurrence.

Direct extension, metastatic spread

What must insurance producers have in the event of being sued for malpractice?

Errors and omissions insurance coverage

A policyholder's spouse and dependents are eligible for disability on the base policy

FALSE

Aflac's Accident Only coverage provides coverage for a covered accident that occurs two days before the Effective Date of coverage

FALSE

Aflac's Hospital Indemnity Coverage covers care or treatment caused by pre existing conditions that begin one week after the effective date of coverage

FALSE

Aflac's Whole Life policies/certificated can be billed both pre-tax and after-tax

FALSE

Aflac's dental product requires pre-certification

FALSE

Disability benefits are paid for multiple disabilities at a time

False

For Term Life, the premium is______ for the selected term option, so employees will know how much their coverage will cost from month to month.

Guaranteed

if your local radio station requests an interview with you to discuss aflac insurance products in your capacity as an aflac sales producer, are you authorized to speak with the station?

No, only individuals authorized by Aflac Worldwide Headquarters are permitted to discuss Aflac or its products wit media

_______ refers to how a policy/certificate owner may apply the cash value of a life insurance policy/certificate if the policy/certificate lapses

Nonforfeiture option

short-term disability coverage from Aflac offers:

Some protection against lost wages

Aflac insurance may complement, but it is not intended to replace major medical coverage

TRUE

Aflac pays cash directly to the policyholder, unless otherwise assigned.

TRUE

Aflac's Accident Only coverage is guaranteed-renewable for life

TRUE

Aflac's Hospital Indemnity base plan coverage offers a HSA compatible options

TRUE

Aflac's Hospital Indemnity base policy is eligible for pre-tax deduction under Internal Revenue Code Section 125

TRUE

Aflac's dental coverage waiting period is defines as the period after the effective date of coverage for which benefits are not payable

TRUE

Benefits, limitations, and exclusions may vary by state

TRUE

If the policyholder changes his or her Vision Correction Benefit Option, this benefit will be subject to a new waiting period, if any, beginning with the effective date of the new option.

TRUE

In most states with lump sum critical illness (LSCI), dependent children are covered at no extra cost

TRUE

In most states, Cancer coverage from Aflac can provide benefits not only for treatment, but for health screening/ wellness visits

TRUE

In most states, benefits are not payable for procedures performed by a member of the covered person's immediate family

TRUE

Producers who are out on total disability are not allowed to actively produce, write, or solicit new business or resume coordinator responsibilities while receiving Aflac disability benefits.

TRUE

The Health Information Technology for Economic and Clinical Health Act (HITECH) Final Omnibus Rule extends rules to business associates such as Aflac agents and associates

TRUE

The Lump Sum Critical Illness plan has a Subsequent Critical Illness Benefit

TRUE

The Vision Now policy excludes cosmetic surgery that is not due to an eye disease, disorder, or injury

TRUE

The vision correction benefit is paid when a charge is incurred for vision correction materials or for refractive error correction surgery

TRUE

the flexibility of Aflac's Lump Sum Critical Illness plan allows policyholders to choose their own medical treatment provider

TRUE

Which of the following is NOT considered insurance advertising?

Thank you letter prom the producer to consumer for purchasing insurance coverage

Purposely holding applications for contest qualifications for yourself or others is____

a prohibited practice

Accident Only coverage from Aflac is designed to provide:

accidents only coverage covered accidents

If the amount requested for Lump Sum Critical Illness is more than $10k, what happens ?

amounts in excess of $10k must be approved by WWHQ

Disability due to normal pregnancy or childbirth is paid_____

as a sickness

How often should you delete your email messages?

as soon as you no longer need the information

The following are all characteristics of Individual Accident Only coverage from Aflac, EXCEPT:

benefits are coordinated with major medical coverage

It is a prohibited practice to____

collect any premiums (other than the initial premium on direct) without specific written authorization from Aflac WWHQ

When you receive a suspicious email that is coming from an unknown sender asking for your personal information, the first thing you should do is:

do not click on any links or open any attachments

Aflac Short-term disability coverage is not coordinated with other benefits and pays_____ other insurance you may have. this includes federal and state employer-sponsored plans..

regardless of any