Arkansas Life and Health Insurance Practice Exam

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Prepare for the Arkansas Life and Health Insurance Exam. Utilize flashcards and multiple-choice questions with hints and explanations for each question. Get thoroughly ready for your certification test!

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J purchased a policy that includes a carryover provision, common accident, and family deductible. J owns what type of policy?

  1. Basic Hospital Expense

  2. Disability Income

  3. Long-Term Care

  4. Major Medical

The correct answer is: Basic Hospital Expense

J owns a Basic Hospital Expense policy. This type of policy typically includes features such as a carryover provision, common accident, and family deductible. A Basic Hospital Expense policy is designed to cover hospital room and board, and sometimes other miscellaneous hospital expenses such as x-rays and lab tests. Other options like Disability Income, Long-Term Care, and Major Medical do not typically include the specific features mentioned in the question, making them incorrect choices in this scenario.

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