Practice Test Answers

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1
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Who pays more upfront with a high-deductible plan?

A
Employer
B
Insurance company
C
Government
D
Individual
2
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Part A: You receive a suspicious email asking for login information. What should you do?

A
Ignore or verify through a trusted source
B
Reply with your information
C
Share the email
D
Click the link immediately
3

Part B: Why is this action effective?

A
It speeds up response time
B
It guarantees account recovery
C
It prevents verification
D
It avoids interacting with potential scams
4

Part A: What increases premium cost?

A
low mileage
B
safe driving
C
no claims
D
higher risk behavior
5

Part B: What lowers premium?

A
high-risk behavior
B
frequent claims
C
safe habits
D
accidents
6

Part A: What affects insurance cost?

A
clothing
B
hobbies only
C
personal risk factors
D
weather
7

Part B: Which factor increases cost?

A
low mileage
B
accident history
C
safe driving
D
clean record
8

Who most needs disability insurance?

A
Child
B
Working adult
C
Student
D
Retiree
9

Which is an example of protected personal information?

A
your father’s favorite type of vehicle
B
the restaurant you frequent most often
C
the streaming services you watch
D
your mother’s maiden name
10

Part A: Which strategy best protects multiple accounts?

A
Using a password manager with unique passwords
B
Reusing passwords
C
Writing passwords down
D
Using short passwords
11

Part B: Why is this effective?

A
It speeds up login
B
It reduces memory effort only
C
It prevents multiple accounts from being compromised
D
It removes security risks
12

Who most needs disability insurance?

A
Student
B
Retiree
C
Child
D
Working adult

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