Simulado de seguro de vida nos EUA
- 15 questões
- Cerca de 15 min
- Grátis
As perguntas do teste continuam em inglês.
A person buys a life insurance policy on the life of a business partner. When must an insurable interest in that partner's life exist?
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Sobre este teste
Esta é uma amostra grátis de 15 questões para a parte de seguro de vida de uma prova estadual de licença de corretor de seguros (producer) nos EUA, escrita pela equipe da StudyPDF. Ela cobre seguro de vida temporário, vitalício e universal, produtos variáveis, opções de não decadência (nonforfeiture), cláusulas adicionais (riders), anuidades, subscrição (underwriting) e regras de proposta, cláusulas da apólice, beneficiários e um pouco de seguro-saúde em geral, misturando múltipla escolha, marcar todas as corretas e completar a lacuna. Responda as 15 questões, depois veja sua pontuação e leia a explicação de cada uma.
Todas as 15 questões de uma vez
Prefere ler antes de jogar? Todas as questões da amostra estão listadas abaixo. As respostas e as explicações ficam fechadas até você abrir.
1.A person buys a life insurance policy on the life of a business partner. When must an insurable interest in that partner's life exist?
- A. At the time of the claim only
- B. At both the time of the application and the time of the claim
- C. At the time the policy is applied for
- D. At the time the first premium is invoiced
Resposta: C. At the time the policy is applied for
In life insurance the insurable interest has to exist when the policy is applied for and issued. It does not have to still exist at death, so a policy that was valid when issued is still paid after, for example, a business partnership dissolves. That is the opposite of property insurance, where the interest must exist at the time of the loss. The reason for the rule is to keep people from buying policies on strangers, which would turn a protection contract into a wager on a death. Spouses, parents and children, and business partners with a financial stake are the usual examples of a valid interest.
2.A couple wants coverage that pays off their mortgage if either dies, with the benefit shrinking as the loan balance falls. Which policy fits best?
- A. Increasing term
- B. Decreasing term
- C. Whole life paid up at age 65
- D. Level term renewable to age 100
Resposta: B. Decreasing term
Decreasing term has a death benefit that drops over the policy period, usually on a schedule that tracks the declining balance of a loan. The premium normally stays level while the benefit falls, which is why it costs less than a level term policy of the starting amount. Term insurance pays only if death occurs inside the stated period and builds no cash value. Whole life and long renewable term cost more because they cover a need the couple does not have here, which is a benefit that never shrinks.
3.Which feature most clearly separates universal life from traditional whole life?
- A. A cash value that grows tax deferred
- B. Lifetime protection as long as the policy stays in force
- C. A death benefit paid to a named beneficiary
- D. Flexible premiums and an adjustable death benefit
Resposta: D. Flexible premiums and an adjustable death benefit
Universal life unbundles the policy into a term insurance charge, expense charges and a cash account that earns interest, and it lets the owner change the premium and, within limits, the death benefit. Traditional whole life has fixed premiums, a fixed death benefit and a guaranteed schedule of cash values. Tax deferred cash value, lifetime coverage and a beneficiary payout are shared by both kinds of permanent insurance. Flexibility cuts both ways, because a universal policy can lapse if the owner pays too little for the cash account to cover the monthly charges.
4.In a variable life insurance policy, who carries the investment risk of the separate account, and what does a producer need beyond an insurance license to sell it?
- A. The policy owner, and securities registration as well
- B. The insurer, and nothing beyond the insurance license
- C. The insurer, and a real estate license
- D. The policy owner, and nothing beyond the insurance license
Resposta: A. The policy owner, and securities registration as well
Variable products put the cash value in subaccounts chosen by the owner, so the owner takes the investment gain or loss and the cash value is not guaranteed. Because the product has a securities component, it is sold with a prospectus and the producer must also hold the securities registration the regulators require, in addition to the state insurance license. Exactly which securities license applies is a matter for the regulators and your sponsoring firm. Fixed products work the other way round, because the insurer guarantees an interest rate and carries the investment risk.
5.A whole life policy has built cash value. The owner stops paying premiums and makes no election. In many policies, which nonforfeiture option applies automatically?
- A. Cash surrender
- B. Reduced paid-up insurance
- C. Extended term insurance
- D. A policy loan for the full cash value
Resposta: C. Extended term insurance
Nonforfeiture options exist so that a policy owner who stops paying does not lose the value already built up. The three are cash surrender, reduced paid-up insurance and extended term insurance. Extended term keeps the full original face amount in force for as long as the cash value can buy at the insured's attained age, and it is the usual default when the owner does not choose, though the contract states what applies. Reduced paid-up buys a smaller amount of whole life for life, and cash surrender ends the coverage and pays the cash value.
6.An insured becomes totally disabled under the policy's definition. Which rider keeps the policy in force by having the insurer cover the premiums?
- A. Guaranteed insurability rider
- B. Waiver of premium rider
- C. Accidental death rider
- D. Cost of living rider
Resposta: B. Waiver of premium rider
A waiver of premium rider stops the premiums during a qualifying disability, usually after a waiting period, while the policy and its cash value stay fully in force. A guaranteed insurability rider lets the owner buy more coverage at set future dates without new medical evidence. An accidental death rider pays an extra amount if death results from an accident. A cost of living rider adjusts the coverage to follow inflation. Riders are contract changes bought for an extra premium, and each one has its own definitions and exclusions.
7.What does the incontestable clause in a life insurance policy do?
- A. It limits the insurer's right to void the policy for misstatements in the application once the contestable period has passed
- B. It stops the insurer from ever denying a claim for any reason
- C. It prevents the owner from changing the beneficiary
- D. It guarantees the premium cannot rise during the first year
Resposta: A. It limits the insurer's right to void the policy for misstatements in the application once the contestable period has passed
During the contestable period, which state law and the policy fix and which is commonly two years, the insurer may investigate and rescind for a material misrepresentation in the application. After that window the policy generally cannot be contested for those statements. The clause does not stop the insurer from refusing a claim for other reasons that remain valid, such as a lapse for unpaid premiums, and it does not protect against fraud in every state. Check how your state words the rule and what the policy exclusions say.
8.An applicant pays the first premium with the application and receives a conditional receipt. What does that receipt generally mean?
- A. Coverage is guaranteed from the day the producer signs the application, whatever the health history
- B. Coverage is bound as of the date of the application or the medical exam, whichever is later, if the applicant proves insurable as applied for
- C. The policy is issued only after the applicant makes a second payment
- D. The insurer cannot decline the application
Resposta: B. Coverage is bound as of the date of the application or the medical exam, whichever is later, if the applicant proves insurable as applied for
A conditional receipt gives temporary coverage that depends on a condition: the insurer would have issued the policy as applied for at standard rates. If the applicant dies before the policy is delivered, the insurer checks whether that condition was met, and coverage then reaches back to the date stated in the receipt, commonly the later of the application and the medical exam. A receipt without an advance payment generally does not bind coverage until delivery. The exact wording is in the receipt, so read it as the contract.
9.In an individual disability income policy, what is the elimination period?
- A. The time after a disability begins before benefits become payable
- B. The maximum length of time benefits can be paid
- C. The time after policy issue before any claim is accepted
- D. The portion of each claim the insured pays after the benefit starts
Resposta: A. The time after a disability begins before benefits become payable
The elimination period works like a time deductible: benefits do not start until the insured has been disabled for that long. A longer period lowers the premium, because the insurer pays fewer short claims. The benefit period is how long payments last once they start. A probationary period is a separate waiting time at the start of the contract during which certain sickness claims are not covered. Disability income replaces part of earned income, so the exam tends to pair it with definitions of disability and how much income the insured can replace.
10.Which of the following are settlement options, meaning ways a beneficiary can take the death benefit?
Marque todas as opções corretas.
- A. Lump sum
- B. Interest only
- C. Reduced paid-up insurance
- D. Life income
- E. Extended term insurance
- F. Cash surrender
Resposta: A. Lump sum, B. Interest only, D. Life income
Settlement options deal with how death proceeds are paid out: a lump sum, interest only with the principal held for later, installments over a fixed period or in a fixed amount, and a life income that pays for the beneficiary's lifetime. Reduced paid-up, extended term and cash surrender are the three nonforfeiture options, which apply to a living owner who stops paying premiums. This pair is a standard exam trap, so remember the timing: settlement options come after a death and nonforfeiture options come after a lapse.
11.Which statements about annuities are correct?
Marque todas as opções corretas.
- A. An annuity is designed to protect against outliving your income, where life insurance protects against dying early
- B. In a variable annuity the contract owner bears the investment risk
- C. Annuitization turns the accumulated value into a stream of income payments
- D. A straight life annuity continues to pay the heirs for 20 years after the annuitant dies
- E. Fixed annuity values fall whenever the stock market falls
Resposta: A. An annuity is designed to protect against outliving your income, where life insurance protects against dying early, B. In a variable annuity the contract owner bears the investment risk, C. Annuitization turns the accumulated value into a stream of income payments
An annuity has two phases, accumulation, when money goes in and earnings are generally tax deferred under federal rules, and the payout phase, when annuitization converts the value to income. In a fixed annuity the insurer guarantees interest and carries the risk. In a variable annuity the owner picks subaccounts and carries the market risk, which is why it needs securities registration to sell. A straight life option pays only while the annuitant lives. A period certain option is what guarantees payments to a beneficiary for a stated number of years. Tax treatment is a federal and state matter, and nothing here is tax advice.
12.Which statements about beneficiary designations are correct?
Marque todas as opções corretas.
- A. A contingent beneficiary is paid only if the primary beneficiary has died before the insured
- B. The owner can change a revocable beneficiary without the beneficiary's consent
- C. Changing an irrevocable beneficiary generally requires the beneficiary's written consent
- D. An insurer typically pays a minor child directly without any guardian or trust
- E. The beneficiary is the person whose life is insured
Resposta: A. A contingent beneficiary is paid only if the primary beneficiary has died before the insured, B. The owner can change a revocable beneficiary without the beneficiary's consent, C. Changing an irrevocable beneficiary generally requires the beneficiary's written consent
The three roles are separate: the owner controls the contract, the insured is the life covered and the beneficiary receives the proceeds. A revocable designation can be changed by the owner alone. An irrevocable one gives the beneficiary a vested right, so changing it needs their consent. A contingent beneficiary only takes if the primary cannot. A minor generally cannot receive and manage a large sum directly, so the proceeds usually go to a court appointed guardian, or the owner names a trust or a custodian under state law. Who counts as a lawful beneficiary is decided by state law.
13.Complete the sentence.
A whole life policy has a $200,000 death benefit. The owner has an outstanding policy loan of $15,000 with $1,000 of unpaid interest when the insured dies. The insurer pays the beneficiary _____.
Opções para a lacuna 1: $185,000, $184,000, $200,000, $216,000
Resposta: $184,000
Any loan balance plus unpaid interest is deducted from the proceeds at death, so $200,000 minus $16,000 is $184,000. Borrowing against a policy does not reduce its coverage while the insured lives, and the insurer charges interest on the loan, but the unpaid amount comes out of the claim. If loans and interest grow beyond the cash value, the policy can lapse, which also has tax consequences that belong with a tax professional.
14.Complete the sentence.
An applicant understated age. The premium paid was $400 a year, but the premium for the true age is $500 a year. The face amount is $100,000. Under the misstatement of age provision, the insurer pays _____.
Opções para a lacuna 1: $100,000, $90,000, $80,000, $75,000
Resposta: $80,000
The provision does not void the policy. It adjusts the benefit to what the premium actually paid would have bought at the true age: $100,000 times $400 over $500 is $80,000. If the age had been overstated, the premium paid would have been too high and the insurer would refund the excess or raise the benefit. The provision is why an age error alone is usually not grounds to cancel coverage.
15.Complete the sentence.
Under federal tax rules, a life insurance policy funded faster than the seven-pay test allows is treated as a _____. Money taken out of it during the insured's life is generally taxed _____.
Opções para a lacuna 1: term conversion, modified endowment contract, split-dollar plan, paid-up addition
Opções para a lacuna 2: basis first, gain last, only at the insured's death, gain first, basis last, at no point
Resposta: modified endowment contract, gain first, basis last
A policy that fails the seven-pay test becomes a modified endowment contract, or MEC. It keeps the income tax free death benefit, but loans and withdrawals are generally taxed gain first, and a distribution before age 59 and a half can carry a 10 percent additional tax on the gain. A regular permanent policy usually lets withdrawals up to basis come out first. Exams ask for the concept and the order, and the details belong with a tax professional, since this is not tax advice.
O que a prova de seguro de vida realmente cobra
Não existe uma prova nacional única de seguro de vida. O departamento de seguros de cada estado decide quem pode fazer a prova de licença de producer, quais linhas de autorização existem, quanto tempo dura cada prova, qual nota aprova e quanto da lei estadual a prova contém. Muitos estados juntam vida e saúde, alguns testam separadamente, e o número de questões e as notas de aprovação mudam de estado para estado e de linha para linha. A maioria dos estados publica um manual do candidato por meio da empresa que aplica a prova, com o conteúdo programático exato, então esse documento grátis é a primeira coisa a baixar.
O que quase todos os estados têm em comum é o conteúdo geral: como o seguro funciona, os tipos de apólice, como uma apólice é montada a partir de suas cláusulas e adicionais, como as anuidades diferem do seguro de vida, como funcionam a proposta e a subscrição e o que o producer deve ao cliente. Em cima disso vem um bloco da lei de seguros do seu próprio estado, sobre licenciamento, regras de substituição, publicidade e divulgação. Esse bloco estadual é a parte que nenhum conjunto nacional de questões consegue cobrir.
Esta amostra fica no terreno comum, com uma questão geral de seguro-saúde para que a mistura se pareça com a de uma prova combinada de vida e saúde. Nada nesta página é orientação jurídica, tributária ou financeira, e quando um valor depende do estado ou do contrato da apólice, a explicação diz isso.
Como usar esta amostra e como estudar a matéria
Faça as 15 questões de uma vez, sem anotações, depois leia a explicação de cada uma, inclusive das que você acertou. Um chute de sorte e um entendimento de verdade valem o mesmo aqui e muito diferente no dia da prova. Quando errar uma questão, trate-a como um tema. Se você errou a questão de não decadência e a de valor em dinheiro (cash value), revise como uma apólice permanente forma e paga o seu valor em dinheiro como uma ideia só, porque a prova pergunta sobre isso de vários ângulos.
As questões de seguro de vida giram em torno do vocabulário exato. O titular (owner), o segurado e o beneficiário são três papéis diferentes. Uma opção de não decadência não é uma opção de liquidação (settlement option). Um adicional (rider) muda o contrato, uma cláusula já faz parte dele, e uma anuidade protege contra viver mais do que o dinheiro enquanto o seguro de vida protege contra morrer cedo demais. Mantenha uma lista dos pares que você confunde e treine um contra o outro em vez de reler o capítulo.
Faça as contas com lápis. Saldos de empréstimo, ajustes de idade e benefícios proporcionais seguem os mesmos passos: ache a base, aplique a regra que o contrato usa e confira se a questão pede o valor total ou só uma parte dele. Depois estude a lei de seguros do seu estado separadamente, porque nada dela é coberto aqui.
Como a StudyPDF cria simulados completos a partir do seu livro de preparação
Quinze questões mostram onde você está frágil. Elas não deixam você pronto para a prova, e um banco geral não diz nada sobre o bloco de lei estadual da sua prova.
A StudyPDF parte do seu próprio material. Envie o livro de preparação que você comprou, o pacote do seu curso preparatório, o manual do candidato que o seu estado publicou ou os slides do seu instrutor, e o Bo, o agente de estudo, cria simulados completos a partir dessas páginas exatas. Cada questão é baseada no seu material, e cada explicação aponta de volta para de onde veio a resposta, então dá para ir direto à fonte quando algo parecer estranho. Gere simulados novos quantas vezes quiser, foque em uma área como anuidades ou cláusulas da apólice e veja quais conceitos você continua errando.
Você não precisa enviar nada para começar. Se o material do seu curso ainda está a caminho, diga um tema, por exemplo opções de não decadência ou a cláusula de incontestabilidade, e o Bo escreve um simulado sobre ele. Começar é grátis, e cabe na rotina de quem trabalha, que é como a maioria das pessoas se prepara para uma licença.
Escrito pela equipe da StudyPDF. Atualizado em 19 de agosto de 2026.
Bom saber
Este simulado de seguro de vida é grátis?
Sim. As 15 questões, a tela de pontuação e todas as explicações são grátis para jogar no navegador, e você pode refazer o teste quantas vezes quiser. Não há paywall nesta página.
Quantas questões tem a prova de seguro de vida, e que nota aprova?
O seu estado define as duas coisas, junto com o tempo limite, as regras de nova tentativa e qualquer curso preparatório obrigatório. Os números também mudam conforme a linha de autorização, e alguns estados testam vida e saúde juntos enquanto outros testam separadamente. Baixe o manual do candidato do seu estado para ver os números atuais em vez de confiar em uma regra de bolso.
Isto cobre a lei de seguros do meu estado?
Não. Estas questões cobrem o conhecimento geral que se espera de candidatos de vida e de saúde. Cada estado também testa a sua própria lei de seguros, como licenciamento, regras de substituição, publicidade e divulgação. Estude essa parte pelo manual do candidato do seu estado e pelo material do seu curso.
Quem escreveu estas questões, e dá para ter mais a partir do meu livro de preparação?
A equipe da StudyPDF escreveu cada questão e cada explicação a partir dos conteúdos programáticos gerais. Não são questões reais da prova, e nenhuma vem do banco de um provedor de preparação. A StudyPDF não tem vínculo com nenhum departamento estadual de seguros, empresa aplicadora de provas ou escola preparatória, e nada aqui é orientação jurídica, tributária ou financeira. Para ter mais, envie o seu livro de preparação ou o pacote do curso e o Bo cria simulados completos a partir das suas páginas exatas, ou diga um tema se você não tem nada para enviar.
Precisa de mais que uma amostra?
Envie seu próprio livro de preparação, slides ou anotações e o Bo cria simulados completos a partir do seu material, acompanha os conceitos que você continua errando e foca nos seus pontos fracos. Comece grátis.