Accident & Health case studies
Accident & Health · Put your knowledge to work in context.
The Accident & Health license qualifies an individual to sell health-related insurance products such as individual and group medical expense coverage, disability income policies, and accident coverage. It is typically pursued by people entering or advancing in insurance sales, agency support, or benefits consulting, and it is often paired with a life insurance license. The exam is multiple choice and samples across ten domains: state regulation and licensing, general insurance principles, accident and health fundamentals, policy provisions and exclusions, disability income, medical expense and managed care, group health, government programs such as Medicare and Medicaid, annuities and retirement basics, and ethics and consumer protection. Provision-heavy and managed-care material carries the most weight, so candidates usually do best by studying those areas first and treating regulation, annuities, and ethics as lighter passes. The Accident & Health case studies are 5 cases and about 3,407 words.
1The Producer Who Moved Before the License Did
Dana holds an active resident accident & health producer license in State A. In March she signs a lease and moves permanently to State B, keeping her State A book of business and continuing to solicit two State A group clients by phone and email.
688 words, about 3 min2The Rider That Was Never Explained
Marcus, 58, buys an individual major medical policy with a 2,500 deductible and a 7,500 out-of-pocket maximum. He also buys a specified-disease rider covering heart attack and stroke, which pays a 20,000 lump sum on first diagnosis and costs 95/month.
652 words, about 3 min3The Group Plan, the Leave, and the Waiting Period
Priya works for a 40-employee employer with a fully insured group health plan. She has been covered for three years.
597 words, about 3 min4The Medicare Enrollment Window That Closed Quietly
Ruth turns 65 in September. She is still working full time for a 25-employee employer and is covered under the group plan.
744 words, about 4 min5The Annuity Rollover That Wasn't Suitable
Walter, 79, is a widower with 180,000 in a 403(b) from his teaching career, from which he takes required minimum distributions. He lives on Social Security plus a small pension and has 12,000 in savings for emergencies.
726 words, about 4 min