1. A life policy that has systematically increasing coverage amounts from year to year, primarily used to keep up with inflation; often included as a rider to a basic term life insurance policy a) Decreasing Term Life Insurance b) Universal Life Insurance c) Increasing Term Insurance d) Modified Yearly Term Life Insurance

2. What benefits have to be offered at the time of COBRA? a) Medical only b) Medical and Dental c) Medical, Dental and Prescription Drugs d) Whatever medical benefits were being provided by the employer

3. Gail belongs to an HMO. She is in need of a specialist to treat a medical issue she has with her anxiety. Which of the following statements is true about Gails situation?

a) Gail can go to any specialist participates in her HMO without the involvement of her PCP b) Gail can go to whomever she chooses and her HMO will cover it c) Gail will be required to pay coinsurance d) The PCP will have to complete a referral to a specialist

4. Which insurance is known for having a level premium with a fixed rate of return resulting in guaranteed cash value? a) Whole Life b) Adjustable Life c) Variable Life d) universal life