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CEBS Exams (Individual Modules)

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About this Exam

Prepare with the CEBS Exams (Individual Modules) practice quiz. This question bank includes 75 questions covering benefits, employee, specialist, plan, and primary. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

Sample Questions

Question 1
What is the elimination period in a short-term disability (STD) or long-term disability (LTD) policy?
The maximum duration of benefit payments
The waiting period before disability benefits begin
The percentage of income replaced by the policy
The period after which pre-existing conditions are covered
Question 2
Which definition of disability is more restrictive and harder for claimants to satisfy in LTD policies?
Own-occupation definition
Any-occupation definition
Social Security disability definition
Gainful employment definition
Question 3
What is AD&D insurance, and when does it pay a benefit?
Accidental Death and Dismemberment — pays if the insured dies or loses a limb/function due to a covered accident
Additional Death and Disability — supplements Social Security disability income
Advance Death and Deferment — allows pre-death withdrawals from life insurance
Accelerated Death and Dismemberment — pays for terminal illness diagnosis
Question 4
In a group term life insurance plan, what does the term 'guarantee issue amount' refer to?
The maximum death benefit the insurer will ever pay
The amount of coverage available without requiring evidence of insurability (EOI)
The employer's maximum contribution toward premiums
The minimum benefit payable to any beneficiary
Question 5
What is a 'waiver of premium' provision in a group life or disability insurance policy?
The employer pays all premiums so the employee owes nothing
Premiums are waived (not owed) while the insured is totally disabled
The insurer waives the deductible in case of catastrophic loss
Premiums are reduced for non-smokers and healthy employees

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Additional Information

CEBS Exams (Individual Modules)

This practice set contains 75 questions from the matching question bank and focuses on benefits, employee, specialist, plan, and primary. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

Frequently Asked Questions

This quiz contains a total of 75 practice questions carefully selected to test your knowledge on this subject.
Yes, you will have exactly 0 minutes to complete the exam. A countdown timer will be visible once you start.
Yes, you can retake this practice test as many times as you need. The questions and options may be randomized on subsequent attempts to ensure comprehensive learning.

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