HealthSpring Tests

Variation 1: Two brothers want dental

Two brothers, 31 and 28, live in FL, ZIP 33196. Both want dental.

1. Which coverage type do you quote?

   1. Two separate Individual policies (Right answer)
   2. Individual & Spouse/Domestic Partner
   3. One-Parent Family
   4. Family

   Brothers cannot share a partner or family policy; each needs an Individual policy.

2. What Maximum Benefit do you select?

   1. $1,000
   2. $3,000
   3. $5,000 (Right answer)

   Dental Maximum Benefit is always $5,000.

3. Which price-grid column do you read?

   1. Top right, $100 deductible, preventive 100% day one (Right answer)
   2. Left, $0 deductible
   3. Middle, $50 deductible

   Read the top-right $100 deductible column with preventive covered 100% from day one.

4. What is the monthly premium per brother?

   1. $40.18
   2. $42.50 (Right answer)
   3. $45.72
   4. $83.53

   The verified FL Individual under-50 dental premium is $42.50 per person.

Variation 2: Mom and three kids

Mom is 41. Her kids are 14, 19 and 26. Everyone wants dental in ZIP 33196, FL.

1. Who belongs on the family policy?

   1. Mom + the 14 and 19 year olds; the 26 year old needs their own policy (Right answer)
   2. Mom + all three kids
   3. Mom alone; all children need separate policies

   Children through age 25 may join a parent; at 26 they need their own policy.

2. Which coverage type is right for mom and her eligible children?

   1. One-Parent Family (Right answer)
   2. Family
   3. Individual & Spouse/Domestic Partner

   One parent with 1 to 6 eligible children uses One-Parent Family.

3. Would the family-type price change with one eligible child instead of three?

   1. No, 1 to 6 children have the same price (Right answer)
   2. Yes, every child adds a premium
   3. Yes, students are free

   The family-type price is the same for 1 to 6 eligible children; the 26 year old is separate.

4. What is the monthly premium for mom and her eligible children?

   1. $42.50
   2. $83.53
   3. $105.14 (Right answer)
   4. $147.64

   The verified FL One-Parent Family under-50 dental premium is $105.14.

Variation 3: A couple crosses an age bucket

He is 47 and she is 52. They want dental and Choice Accident Premier together.

1. Who sets the dental price?

   1. The oldest person, so the 50 and over bucket (Right answer)
   2. The person on the phone, so the under-50 bucket
   3. The younger partner

   Dental uses the oldest insured person, placing this couple in the 50 and over bucket.

2. What must you do before reading the couple premium?

   1. Fill Applicant 2 through Gender so it recalculates (Right answer)
   2. Read the Individual premium and double it
   3. Change only Coverage Type

   Complete Applicant 2 through Gender so the couple premium recalculates.

3. Does her gender change the dental price?

   1. No (Right answer)
   2. Yes
   3. Only at age 50

   Gender never changes the premium.

4. Which optional riders go on their Accident Premier quote?

   1. None (Right answer)
   2. Health Screening Benefit
   3. Accident Disability
   4. Every available rider

   Choice Accident uses Premier with every Optional Rider unchecked.

Variation 4: Build the critical illness plan

A 45 year old on an ACA call wants the critical illness plan built from Flexible Choice Cancer.

1. What is the base Benefit Amount?

   1. $5,000
   2. $10,000 (Right answer)
   3. $20,000

   Set the base cancer Benefit Amount to $10,000.

2. How do you set the Lump Sum Heart/Stroke Rider?

   1. On, $10,000 (Right answer)
   2. Off
   3. On, $5,000

   Turn on the Lump Sum Heart/Stroke Rider at $10,000.

3. How do you set the Cancer Benefit Builder Rider?

   1. Off (Right answer)
   2. On, $5,000
   3. On, $10,000

   Skip the Lump Sum Cancer Benefit Builder Rider.

4. How do you set the Specified Disease Benefit Rider?

   1. On, $10,000 (Right answer)
   2. Off
   3. On, $5,000

   Turn on the Specified Disease Benefit Rider at $10,000.

5. On ACA calls, offer this plan to clients aged:

   1. 40 and over (Right answer)
   2. 18 and over
   3. 50 and over

   Offer the critical illness plan to clients aged 40 and over on ACA calls.

Variation 5: The application screens

You are guiding the client through applications. The blank packet has been provided, and the applicant is not present in person. Choose the correct next step at each screen.

1. Start Application is gray. Why?

   1. A name is missing (Right answer)
   2. The client needs to pay first
   3. The dental effective date is next month

   Enter First and Last Name for every applicant to enable Start Application.

2. A Verification Error appears. What is your first move?

   1. Check name, DOB, SSN and full address with the client, then proceed (Right answer)
   2. Invent a different address
   3. Skip the check immediately

   Confirm name, DOB, SSN and the full address with the client before proceeding.

3. Which Required Forms answers do you choose?

   1. Yes, B, No (Right answer)
   2. Yes, A, Yes
   3. No, B, Yes

   Required Forms answers are Yes, B (Outline of Coverage), No.

4. On the next application, the blank packet has NOT been provided. What do you do before answering Yes?

   1. Provide the packet first, then answer Yes (Right answer)
   2. Answer Yes immediately
   3. Skip Required Forms

   Yes confirms delivery of the blank packet. Provide it first before answering Yes.

5. What is the default Requested Withdrawal Date?

   1. 28 (Right answer)
   2. 30
   3. 31
   4. 1

   Default to day 28; a client may request any day from 1 through 28.

6. What is the dental effective start date?

   1. 1st of next month (Right answer)
   2. Today
   3. Date of the call

   Dental always starts on the 1st of next month.

7. Cancer has a different primary applicant than dental. What do you do?

   1. Quote and submit that one separately (Right answer)
   2. Submit both in the same application run
   3. Change the dental primary without asking

   A product with a different primary applicant must be quoted and submitted separately.

Variation 1: Three generations and a cousin

Every listed person wants dental. Use the fewest policies the rules allow. Ages are supplied for this exercise.

1. Policy for Rosa, 71, Grandma

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Rosa: Individual

   Extended family members, including grandma, need their own policies.

2. Policy for Elena, 44, Mom

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Elena + Sofia: One-Parent Family

   Mom and her 19 year old daughter share One-Parent Family.

3. Policy for Marco, 27, Elena’s son

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Marco: Individual

   At age 26 and over, a child needs their own Individual policy.

4. Policy for Sofia, 19, Elena’s daughter

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Elena + Sofia: One-Parent Family

   Mom and her 19 year old daughter share One-Parent Family.

5. Policy for Luis, 30, Cousin

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Luis: Individual

   A cousin cannot join a parent-child policy and needs their own Individual policy.

Coverage Type options: Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family.

Policy letters are interchangeable; the people grouped together and coverage types must match.

Variation 2: Unmarried partners and a child

Every listed person wants dental. Use the fewest policies the rules allow. Ages are supplied for this exercise.

1. Policy for Avery, 35, Unmarried partner of Jordan; adopted Leo and is his parent

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Avery + Jordan + Leo: Family

   Two parents and their child use Family for the fewest policies; the partners need not be married.

2. Policy for Jordan, 33, Unmarried partner of Avery; mother of Leo

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Avery + Jordan + Leo: Family

   Two parents and their child use Family for the fewest policies; the partners need not be married.

3. Policy for Leo, 10, Jordan’s son

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Avery + Jordan + Leo: Family

   Two parents and their child use Family for the fewest policies; the partners need not be married.

Coverage Type options: Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family.

Policy letters are interchangeable; the people grouped together and coverage types must match.

Variation 3: Single dad and two adult kids

Every listed person wants dental. Use the fewest policies the rules allow. Ages are supplied for this exercise.

1. Policy for Daniel, 50, Single dad

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Daniel + Maya: One-Parent Family

   A 25 year old is still eligible as a child with one parent on One-Parent Family.

2. Policy for Maya, 25, Daniel’s daughter

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Daniel + Maya: One-Parent Family

   A 25 year old is still eligible as a child with one parent on One-Parent Family.

3. Policy for Noah, 26, Daniel’s son

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Noah: Individual

   At 26, a child must have their own Individual policy.

Coverage Type options: Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family.

Policy letters are interchangeable; the people grouped together and coverage types must match.

Variation 4: Mom and her student daughter

Every listed person wants dental. Use the fewest policies the rules allow. Ages are supplied for this exercise.

1. Policy for Nina, 40, Mom

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Nina + Eva: One-Parent Family

   A mother and daughter use One-Parent Family, never Individual & Spouse/Domestic Partner; student status does not change this.

2. Policy for Eva, 20, Nina’s daughter; student

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy

   Right answer: Nina + Eva: One-Parent Family

   A mother and daughter use One-Parent Family, never Individual & Spouse/Domestic Partner; student status does not change this.

Coverage Type options: Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family.

Policy letters are interchangeable; the people grouped together and coverage types must match.

Variation 5: A teen buying alone

Every listed person wants dental. Use the fewest policies the rules allow. Ages are supplied for this exercise.

1. Policy for Alex, 16, Parents are not buying

   1. Policy A
   2. Policy B
   3. Policy C
   4. Own Individual policy
   5. Not eligible on a HealthSpring policy (Right answer)

   There is no child-only policy; an Individual applicant must be at least 18.

Coverage Type options: Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family.

Policy letters are interchangeable; the people grouped together and coverage types must match.

Variation 1: Dental for a couple

Quote dental and Accident for married partners Alex, 47, and Jamie, 45, in ZIP 33196, Florida.

Quote location

1. State (top right): GA

   1. Flag this field (Right answer)
   2. Leave unflagged

   ZIP 33196 is in Florida; confirm FL at the top right before quoting.

2. ZIP Code: 33196

   1. Flag this field
   2. Leave unflagged (Right answer)

   33196 matches the ZIP supplied by the client.

Flexible Choice Dental, Vision & Hearing Plus

1. Coverage Type: Individual & Spouse/Domestic Partner

   1. Flag this field
   2. Leave unflagged (Right answer)

   Two partners correctly use Individual & Spouse/Domestic Partner.

2. Maximum Benefit: $1,000

   1. Flag this field (Right answer)
   2. Leave unflagged

   Dental Maximum Benefit must be $5,000.

3. Selected column: $0 deductible

   1. Flag this field (Right answer)
   2. Leave unflagged

   Use the top-right $100 deductible column with full preventive coverage from day one.

4. Benefit level: Customized Coverage

   1. Flag this field
   2. Leave unflagged (Right answer)

   Dental is set to Customized Coverage.

Applicant 1

1. Name: Alex Rivera

   1. Flag this field
   2. Leave unflagged (Right answer)

   The primary applicant has a first and last name.

2. DOB: 04/12/1979 (47)

   1. Flag this field
   2. Leave unflagged (Right answer)

   The primary date of birth matches the scenario.

3. Gender: Male

   1. Flag this field
   2. Leave unflagged (Right answer)

   Gender is completed and does not change the price.

Applicant 2

1. Name: Jamie Rivera

   1. Flag this field
   2. Leave unflagged (Right answer)

   The second applicant has a first and last name.

2. DOB: Blank

   1. Flag this field (Right answer)
   2. Leave unflagged

   Enter Applicant 2 DOB and complete through Gender; the oldest person sets the dental price.

3. Gender: Female

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 2 Gender is completed; it does not change price.

Choice Accident

1. Coverage Type: Individual & Spouse/Domestic Partner

   1. Flag this field
   2. Leave unflagged (Right answer)

   The accident coverage type correctly includes the two partners.

2. Benefit level: Core

   1. Flag this field (Right answer)
   2. Leave unflagged

   Choice Accident must use the Premier benefit level.

3. Optional Riders: All off

   1. Flag this field
   2. Leave unflagged (Right answer)

   Every Accident Optional Rider stays unchecked.

Quote summary

1. Total monthly premium: Pending applicant information

   1. Flag this field
   2. Leave unflagged (Right answer)

   Complete both applicant birth dates before reading the couple premium; no unverified premium is graded.

Variation 2: One parent and two kids

A single mom, 43, wants dental and Accident with her children, 18 and 27. Use only eligible children on her policy.

Quote location

1. State (top right): FL, ZIP 33196

   1. Flag this field
   2. Leave unflagged (Right answer)

   FL matches ZIP 33196.

Flexible Choice Dental, Vision & Hearing Plus

1. Coverage Type: Family

   1. Flag this field (Right answer)
   2. Leave unflagged

   One parent with eligible children must use One-Parent Family.

2. Maximum Benefit: $3,000

   1. Flag this field (Right answer)
   2. Leave unflagged

   Dental Maximum Benefit must be $5,000.

3. Selected column: Top right, $100 deductible, Full Preventive

   1. Flag this field
   2. Leave unflagged (Right answer)

   The top-right $100 deductible Full Preventive column is correct.

4. Children on this policy: Age 18 and age 27

   1. Flag this field (Right answer)
   2. Leave unflagged

   A child aged 27 needs their own policy; only children through age 25 can join a parent.

Applicant 1

1. Name: Leah Chen

   1. Flag this field
   2. Leave unflagged (Right answer)

   The primary applicant name is complete.

2. DOB: 06/15/1983 (43)

   1. Flag this field
   2. Leave unflagged (Right answer)

   The primary applicant DOB matches age 43.

3. Gender: Female

   1. Flag this field
   2. Leave unflagged (Right answer)

   Gender is complete and never changes price.

Applicant 2

1. Partner details: Not applicable; children added later

   1. Flag this field
   2. Leave unflagged (Right answer)

   There is no second parent; children are added on their own application tab.

Choice Accident

1. Coverage Type: One-Parent Family

   1. Flag this field
   2. Leave unflagged (Right answer)

   One parent and eligible children use One-Parent Family.

2. Benefit level: Premier

   1. Flag this field
   2. Leave unflagged (Right answer)

   Premier is the correct Accident benefit level.

3. Health Screening Benefit rider: On

   1. Flag this field (Right answer)
   2. Leave unflagged

   Leave every Accident Optional Rider unchecked, including Health Screening Benefit.

Quote summary

1. Total monthly premium: Not calculated in this mock

   1. Flag this field
   2. Leave unflagged (Right answer)

   No unverified premium is graded in this mock.

Variation 3: Cancer as critical illness

Build the critical illness plan for Morgan, 45, using Flexible Choice Cancer. This is an Individual quote in Florida.

Quote location

1. State (top right): FL, ZIP 33196

   1. Flag this field
   2. Leave unflagged (Right answer)

   FL is the state for ZIP 33196.

Flexible Choice Cancer - Lump Sum

1. Coverage Type: Individual

   1. Flag this field
   2. Leave unflagged (Right answer)

   One adult correctly uses Individual coverage.

2. Benefit Amount: $5,000

   1. Flag this field (Right answer)
   2. Leave unflagged

   The cancer base Benefit Amount must be $10,000.

3. Lump Sum Heart/Stroke Rider: Off

   1. Flag this field (Right answer)
   2. Leave unflagged

   Turn on the Lump Sum Heart/Stroke Rider at $10,000.

4. Lump Sum Cancer Benefit Builder Rider: On

   1. Flag this field (Right answer)
   2. Leave unflagged

   Skip the Lump Sum Cancer Benefit Builder Rider.

5. Specified Disease Benefit Rider: On, $5,000

   1. Flag this field (Right answer)
   2. Leave unflagged

   Set the Specified Disease Benefit Rider to on at $10,000.

Applicant 1

1. Name: Morgan Lee

   1. Flag this field
   2. Leave unflagged (Right answer)

   The applicant first and last names are complete.

2. DOB: 02/20/1981 (45)

   1. Flag this field
   2. Leave unflagged (Right answer)

   The applicant DOB matches age 45.

3. Gender: Female

   1. Flag this field
   2. Leave unflagged (Right answer)

   Gender is completed and does not affect price.

Applicant 2

1. Partner details: Not applicable, Individual

   1. Flag this field
   2. Leave unflagged (Right answer)

   An Individual policy has no second applicant.

Quote summary

1. Total monthly premium: Not calculated in this mock

   1. Flag this field
   2. Leave unflagged (Right answer)

   Cancer premiums are unverified and are not graded.

Variation 4: Application pre-check

A couple is applying. Both use their residential address for mail, have no other coverage, and have not requested a special withdrawal day. The blank packet has been provided. The client is not with you in person.

Quote location

1. State (top right): FL, ZIP 33196

   1. Flag this field
   2. Leave unflagged (Right answer)

   FL matches the supplied ZIP.

Dental selection

1. Coverage Type: Individual & Spouse/Domestic Partner

   1. Flag this field
   2. Leave unflagged (Right answer)

   Two partners correctly use partner coverage.

2. Maximum Benefit: $5,000

   1. Flag this field
   2. Leave unflagged (Right answer)

   Dental Maximum Benefit is correctly set to $5,000.

3. Selected column: Top right, $100 deductible, Full Preventive

   1. Flag this field
   2. Leave unflagged (Right answer)

   The top-right $100 deductible Full Preventive column is correct.

Applicant 1

1. Name: Sam Patel

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 1 has a complete first and last name.

2. DOB: 03/10/1982 (44)

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 1 DOB is complete.

3. Gender: Male

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 1 Gender is complete.

Applicant 2

1. First Name: Robin

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 2 First Name is supplied.

2. Last Name: Blank

   1. Flag this field (Right answer)
   2. Leave unflagged

   Enter every applicant first and last name or Start Application stays gray.

3. DOB: 08/05/1984 (42)

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 2 DOB is complete.

4. Gender: Female

   1. Flag this field
   2. Leave unflagged (Right answer)

   Applicant 2 Gender is complete.

Application read-out

1. Mailing same as residential: No; mailing address blank

   1. Flag this field (Right answer)
   2. Leave unflagged

   Use Yes when mail goes to the residential address; No requires a full mailing address.

2. Prior or Other Coverage: Yes

   1. Flag this field (Right answer)
   2. Leave unflagged

   Answer No, No, No when the client has no other coverage and is not replacing a plan.

3. Requested Withdrawal Date: 30

   1. Flag this field (Right answer)
   2. Leave unflagged

   Requested Withdrawal Date defaults to 28 and must be between 1 and 28.

4. Blank packet provided: Yes

   1. Flag this field
   2. Leave unflagged (Right answer)

   Yes is correct because the blank packet was provided.

5. Outline of Coverage letter: A

   1. Flag this field (Right answer)
   2. Leave unflagged

   Choose B for Outline of Coverage.

6. Applicant with you in person: Yes

   1. Flag this field (Right answer)
   2. Leave unflagged

   Answer No because the applicant is not with you in person.

Quote summary

1. Total monthly premium: Not calculated in this mock

   1. Flag this field
   2. Leave unflagged (Right answer)

   No unverified premium is graded in this mock.

Variation 5: Two brothers on one quote

Brothers Adrian, 31, and Ben, 28, in ZIP 33196 both want dental and Accident. Flag exactly four wrong field values.

Quote location

1. State (top right): FL, ZIP 33196

   1. Flag this field
   2. Leave unflagged (Right answer)

   FL correctly matches ZIP 33196.

Flexible Choice Dental, Vision & Hearing Plus

1. Coverage Type: Individual & Spouse/Domestic Partner, both brothers

   1. Flag this field (Right answer)
   2. Leave unflagged

   Brothers need two separate Individual policies; they are not spouse or domestic partners.

2. Maximum Benefit: $5,000

   1. Flag this field
   2. Leave unflagged (Right answer)

   Dental Maximum Benefit is correctly set to $5,000.

3. Selected column: $50 deductible

   1. Flag this field (Right answer)
   2. Leave unflagged

   Use the top-right $100 deductible Full Preventive column.

Applicant 1

1. Name: Adrian Cruz

   1. Flag this field
   2. Leave unflagged (Right answer)

   The first applicant name is complete.

2. DOB: 01/15/1995 (31)

   1. Flag this field
   2. Leave unflagged (Right answer)

   The first brother DOB matches age 31.

3. Gender: Male

   1. Flag this field
   2. Leave unflagged (Right answer)

   Gender is filled and does not affect price.

Applicant 2 details supplied

1. Name: Ben Cruz

   1. Flag this field
   2. Leave unflagged (Right answer)

   The second brother name itself is correct; the shared coverage type is the grouping error.

2. DOB: 07/09/1998 (28)

   1. Flag this field
   2. Leave unflagged (Right answer)

   The second brother DOB matches age 28; flag Coverage Type for the grouping error.

3. Gender: Male

   1. Flag this field
   2. Leave unflagged (Right answer)

   Gender is filled and does not change price.

Choice Accident (Individual quote for Adrian)

1. Coverage Type: Individual

   1. Flag this field
   2. Leave unflagged (Right answer)

   An Individual Accident quote is correct for Adrian; Ben needs his own policy.

2. Benefit level: Preferred

   1. Flag this field (Right answer)
   2. Leave unflagged

   Choice Accident must use the Premier benefit level.

3. Accident Disability rider: On

   1. Flag this field (Right answer)
   2. Leave unflagged

   Every Accident Optional Rider stays unchecked, including Accident Disability.

Quote summary

1. Total monthly premium: Not calculated in this mock

   1. Flag this field
   2. Leave unflagged (Right answer)

   No price is planted as an error and no unverified premium is graded.

Variation 1: Quote dental for one person

One person, born 09/16/1993, male, ZIP 33196. Quote Individual dental with a $5,000 maximum and the $100 deductible, Full Preventive cell. Leave every other product unselected. Type the monthly premium you read.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

2. Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

3. Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

4. Primary gender

   Right answer: Enter the primary applicant gender given in the task.

5. Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

6. Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual.

7. Accident Coverage Type

   Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

8. Cancer Coverage Type

   Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

9. Dental maximum is $5,000

   Right answer: Always set the dental Maximum Benefit to $5,000.

10. Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

11. Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

12. Verified monthly dental premium

    Right answer: Read $42.50 at the top right for this verified Florida Individual quote.

1. Monthly premium (dollars)

   Right answer: $42.50

Variation 2: Couple, one over 50

Luis Ruiz, born 09/16/1993, male, ZIP 33196, and Ana Ruiz, born 05/02/1972, female. Quote couple dental, $5,000 maximum, $100 deductible, Full Preventive. Fill Applicant 2 through Gender. Record the premium and identify who set the price.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

2. Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

3. Primary first name

   Right answer: Type Luis as Applicant 1 First Name.

4. Primary last name

   Right answer: Type Ruiz as Applicant 1 Last Name.

5. Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

6. Primary gender

   Right answer: Enter the primary applicant gender given in the task.

7. Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

8. Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual & Spouse/Domestic Partner.

9. Accident Coverage Type

   Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

10. Cancer Coverage Type

    Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

11. Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

12. Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

13. Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

14. Applicant 2 first name

    Right answer: Fill Applicant 2 first with Ana.

15. Applicant 2 last name

    Right answer: Fill Applicant 2 last with Ruiz.

16. Applicant 2 birth date

    Right answer: Fill Applicant 2 Date of Birth with 05/02/1972.

17. Applicant 2 gender

    Right answer: Fill Applicant 2 gender with Female.

18. Oldest person sets the price

    Right answer: Ana is the oldest person and sets the 50-and-over bucket.

1. Monthly premium (dollars)

   Right answer: Recorded, not graded.

2. Who set the price?

   1. Luis, 49 and under
   2. The oldest person, Ana, 50 and over (Right answer)
   3. The average age of both people

Premium recorded, not graded. Missing verified fixture: FL-DEN-COUPLE-50PLUS ($5,000, $100 deductible, Full Preventive).

Variation 3: Accident for a one-parent family

Dana Cole, born 04/12/1990, female, with two children, ZIP 75201. Quote Choice Accident for a One-Parent Family at Premier with no riders. Leave dental and cancer unselected so the total is accident alone. Record the monthly premium.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Quoted state is TX

   Right answer: Check the quoted state at the top right; this household must be quoted in TX.

2. Assigned ZIP

   Right answer: Enter the assigned ZIP 75201 exactly.

3. Primary first name

   Right answer: Type Dana as Applicant 1 First Name.

4. Primary last name

   Right answer: Type Cole as Applicant 1 Last Name.

5. Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

6. Primary gender

   Right answer: Enter the primary applicant gender given in the task.

7. Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

8. Dental Coverage Type

   Right answer: Leave dental Coverage Type at Please Select to remove it from the total.

9. Accident Coverage Type

   Right answer: Set accident Coverage Type to One-Parent Family.

10. Cancer Coverage Type

    Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

11. Choice Accident configured

    Right answer: Open Choice Accident Customized Coverage.

12. Accident Premier benefit level

    Right answer: Choose Premier for Choice Accident.

13. Health Screening Benefit Rider unchecked

    Right answer: Leave the Health Screening Benefit Rider unchecked.

14. Accident Disability Rider unchecked

    Right answer: Leave the Accident Disability Rider unchecked.

15. Parent Accident Rider unchecked

    Right answer: Leave the Parent Accident Rider unchecked.

1. Monthly premium (dollars)

   Right answer: Recorded, not graded.

Premium recorded, not graded. Missing verified fixture: TX-ACC-ONEPARENT-PREMIER.

Variation 4: Build the critical illness plan

Mark Lee, born 02/20/1981, male, ZIP 33196. Quote Individual cancer with a $10,000 base, $10,000 Heart/Stroke and $10,000 Specified Disease. Leave Builder and all other products unselected.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

2. Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

3. Primary first name

   Right answer: Type Mark as Applicant 1 First Name.

4. Primary last name

   Right answer: Type Lee as Applicant 1 Last Name.

5. Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

6. Primary gender

   Right answer: Enter the primary applicant gender given in the task.

7. Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

8. Dental Coverage Type

   Right answer: Leave dental Coverage Type at Please Select to remove it from the total.

9. Accident Coverage Type

   Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

10. Cancer Coverage Type

    Right answer: Set cancer Coverage Type to Individual.

11. Cancer configured

    Right answer: Open Flexible Choice Cancer Customized Coverage.

12. Cancer base is $10,000

    Right answer: Set the cancer Benefit Amount to $10,000.

13. Heart/Stroke rider checked

    Right answer: Check the Heart/Stroke rider.

14. Heart/Stroke rider is $10,000

    Right answer: Set the Heart/Stroke rider to $10,000.

15. Specified Disease rider checked

    Right answer: Check the Specified Disease rider.

16. Specified Disease rider is $10,000

    Right answer: Set the Specified Disease rider to $10,000.

17. Cancer Builder unchecked

    Right answer: Skip the Lump Sum Cancer Benefit Builder Rider.

Cancer prices are practice prices. Premiums are not graded.

Variation 5: Full bundle, ready to start the application

Luis Perez, born 03/10/1988, male, and Carla Perez, born 07/22/1990, female, ZIP 30301. Choose couple coverage on all three products. Dental: $5,000, $100 deductible, Full Preventive. Accident: Premier, no riders. Cancer: $10,000 base, Heart/Stroke $10,000, Specified Disease $10,000, no Builder. Enter both names, answer the different-primary question, then click the simulator Start Application button.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Quoted state is GA

   Right answer: Check the quoted state at the top right; this household must be quoted in GA.

2. Assigned ZIP

   Right answer: Enter the assigned ZIP 30301 exactly.

3. Primary first name

   Right answer: Type Luis as Applicant 1 First Name.

4. Primary last name

   Right answer: Type Perez as Applicant 1 Last Name.

5. Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

6. Primary gender

   Right answer: Enter the primary applicant gender given in the task.

7. Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

8. Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual & Spouse/Domestic Partner.

9. Accident Coverage Type

   Right answer: Set accident Coverage Type to Individual & Spouse/Domestic Partner.

10. Cancer Coverage Type

    Right answer: Set cancer Coverage Type to Individual & Spouse/Domestic Partner.

11. Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

12. Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

13. Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

14. Applicant 2 first name

    Right answer: Fill Applicant 2 first with Carla.

15. Applicant 2 last name

    Right answer: Fill Applicant 2 last with Perez.

16. Applicant 2 birth date

    Right answer: Fill Applicant 2 Date of Birth with 07/22/1990.

17. Applicant 2 gender

    Right answer: Fill Applicant 2 gender with Female.

18. Choice Accident configured

    Right answer: Open Choice Accident Customized Coverage.

19. Accident Premier benefit level

    Right answer: Choose Premier for Choice Accident.

20. Health Screening Benefit Rider unchecked

    Right answer: Leave the Health Screening Benefit Rider unchecked.

21. Accident Disability Rider unchecked

    Right answer: Leave the Accident Disability Rider unchecked.

22. Parent Accident Rider unchecked

    Right answer: Leave the Parent Accident Rider unchecked.

23. Cancer configured

    Right answer: Open Flexible Choice Cancer Customized Coverage.

24. Cancer base is $10,000

    Right answer: Set the cancer Benefit Amount to $10,000.

25. Heart/Stroke rider checked

    Right answer: Check the Heart/Stroke rider.

26. Heart/Stroke rider is $10,000

    Right answer: Set the Heart/Stroke rider to $10,000.

27. Specified Disease rider checked

    Right answer: Check the Specified Disease rider.

28. Specified Disease rider is $10,000

    Right answer: Set the Specified Disease rider to $10,000.

29. Cancer Builder unchecked

    Right answer: Skip the Lump Sum Cancer Benefit Builder Rider.

30. Start Application clicked

    Right answer: Enter every applicant name and click the simulator Start Application button.

31. Different primary quoted separately

    Right answer: A product with a different primary applicant must be quoted and submitted separately.

1. A different primary applicant on the cancer plan: run it in the same go?

   1. Yes
   2. No, separately (Right answer)

Georgia bundle prices are practice prices. Premiums are not graded.

Variation 1: One person

One person, born 09/16/1993, ZIP 33196. Quote dental using the settings taught in training.

1. Coverage Type

   1. Individual (Right answer)
   2. Individual & Spouse/Domestic Partner
   3. One-Parent Family
   4. Family

2. Maximum Benefit

   1. $1,000.00
   2. $1,500.00
   3. $2,000.00
   4. $3,000.00
   5. $5,000.00 (Right answer)

3. Price-grid column ($100 deductible row)

   1. Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after)
   2. Preventive after 6 months
   3. Premium with Full Preventive Services (Right answer)

4. Age bucket

   1. 49 and under (Right answer)
   2. 50 and over

5. Monthly premium (dollars)

   1. $25.00
   2. $42.50 (Right answer)
   3. $83.53
   4. $105.14
   5. $120.28
   6. $183.10

6. State shown at top right

   1. FL (Right answer)
   2. GA
   3. TX
   4. NY
   5. IL
   6. AZ

One adult needs Individual coverage. At the fixed rating date, this applicant is 33. Use the $5,000 maximum and top-right $100 deductible, Full Preventive cell in Florida.

Variation 2: Couple with an older partner

Two partners, born 09/16/1993 and 05/02/1972, ZIP 33196. Fill Applicant 2 through Gender before reading the dental premium.

1. Coverage Type

   1. Individual
   2. Individual & Spouse/Domestic Partner (Right answer)
   3. One-Parent Family
   4. Family

2. Maximum Benefit

   1. $1,000.00
   2. $1,500.00
   3. $2,000.00
   4. $3,000.00
   5. $5,000.00 (Right answer)

3. Price-grid column ($100 deductible row)

   1. Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after)
   2. Preventive after 6 months
   3. Premium with Full Preventive Services (Right answer)

4. Age bucket

   1. 49 and under
   2. 50 and over (Right answer)

5. Monthly premium (dollars)

   1. $25.00
   2. $42.50
   3. $83.53
   4. $105.14
   5. $120.28
   6. $183.10

   Right answer: Recorded, not graded; no verified fixture for this age bucket.

6. State shown at top right

   1. FL (Right answer)
   2. GA
   3. TX
   4. NY
   5. IL
   6. AZ

Partners fit Individual & Spouse/Domestic Partner. The oldest person is 54, so the quote uses the 50-and-over bucket. A verified price for that bucket is still missing.

Variation 3: One parent with children

A mother born 09/16/1993 with children ages 4 and 9, ZIP 33196. Quote dental and answer the family-size question.

1. Coverage Type

   1. Individual
   2. Individual & Spouse/Domestic Partner
   3. One-Parent Family (Right answer)
   4. Family

2. Maximum Benefit

   1. $1,000.00
   2. $1,500.00
   3. $2,000.00
   4. $3,000.00
   5. $5,000.00 (Right answer)

3. Price-grid column ($100 deductible row)

   1. Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after)
   2. Preventive after 6 months
   3. Premium with Full Preventive Services (Right answer)

4. Age bucket

   1. 49 and under (Right answer)
   2. 50 and over

5. Monthly premium (dollars)

   1. $25.00
   2. $42.50
   3. $83.53
   4. $105.14 (Right answer)
   5. $120.28
   6. $183.10

6. State shown at top right

   1. FL (Right answer)
   2. GA
   3. TX
   4. NY
   5. IL
   6. AZ

7. Price for 6 children instead of 2?

   1. The same (Right answer)
   2. Higher
   3. Lower

One parent and 1 to 6 children use One-Parent Family. One child or six costs the same. The oldest person is 33, so use the 49-and-under bucket.

Variation 4: Two parents with children

Parents born 03/10/1982 and 07/22/1975 with children ages 8, 12 and 15, ZIP 33196. Quote dental using both adult birth dates.

1. Coverage Type

   1. Individual
   2. Individual & Spouse/Domestic Partner
   3. One-Parent Family
   4. Family (Right answer)

2. Maximum Benefit

   1. $1,000.00
   2. $1,500.00
   3. $2,000.00
   4. $3,000.00
   5. $5,000.00 (Right answer)

3. Price-grid column ($100 deductible row)

   1. Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after)
   2. Preventive after 6 months
   3. Premium with Full Preventive Services (Right answer)

4. Age bucket

   1. 49 and under
   2. 50 and over (Right answer)

5. Monthly premium (dollars)

   1. $25.00
   2. $42.50
   3. $83.53
   4. $105.14
   5. $120.28
   6. $183.10

   Right answer: Recorded, not graded; no verified fixture for this age bucket.

6. State shown at top right

   1. FL (Right answer)
   2. GA
   3. TX
   4. NY
   5. IL
   6. AZ

Two parents and their children use Family. The oldest parent is 51, so use the 50-and-over bucket. There is no verified premium for this bucket yet.

Variation 5: Two brothers

Two brothers born 01/15/1995 and 06/30/1998, ZIP 33196, ask for dental coverage. Decide how many policies they need and enter the monthly premium for each policy.

1. Does this household need more than one policy?

   1. No
   2. Yes (Right answer)

2. Coverage Type

   1. Individual (Right answer)
   2. Individual & Spouse/Domestic Partner
   3. One-Parent Family
   4. Family

3. Maximum Benefit

   1. $1,000.00
   2. $1,500.00
   3. $2,000.00
   4. $3,000.00
   5. $5,000.00 (Right answer)

4. Price-grid column ($100 deductible row)

   1. Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after)
   2. Preventive after 6 months
   3. Premium with Full Preventive Services (Right answer)

5. Age bucket

   1. 49 and under (Right answer)
   2. 50 and over

6. Monthly premium for each policy (dollars)

   1. $25.00
   2. $42.50 (Right answer)
   3. $83.53
   4. $105.14
   5. $120.28
   6. $183.10

7. State shown at top right

   1. FL (Right answer)
   2. GA
   3. TX
   4. NY
   5. IL
   6. AZ

Brothers are not spouses or domestic partners. Each adult needs an Individual policy. Both are 49 and under, so the verified Florida price is $42.50 for each separate policy.

Variation 1: A woman choosing her coverage

A woman born 03/14/1984, ZIP 33196, wants everything we sell. Quote what we sell for this household. Stop at Policy Selection.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Household policy count

   Right answer: This household fits one policy for each selected product using the same primary.

2. Quote 1: Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

3. Quote 1: Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

4. Quote 1: Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

5. Quote 1: Primary gender

   Right answer: Enter the primary applicant gender given in the task.

6. Quote 1: Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

7. Quote 1: Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual.

8. Quote 1: Accident Coverage Type

   Right answer: Set accident Coverage Type to Individual.

9. Quote 1: Cancer Coverage Type

   Right answer: Set cancer Coverage Type to Individual.

10. Quote 1: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

11. Quote 1: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

12. Quote 1: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

13. Quote 1: Choice Accident configured

    Right answer: Open Choice Accident Customized Coverage.

14. Quote 1: Accident Premier benefit level

    Right answer: Choose Premier for Choice Accident.

15. Quote 1: Health Screening Benefit Rider unchecked

    Right answer: Leave the Health Screening Benefit Rider unchecked.

16. Quote 1: Accident Disability Rider unchecked

    Right answer: Leave the Accident Disability Rider unchecked.

17. Quote 1: Parent Accident Rider unchecked

    Right answer: Leave the Parent Accident Rider unchecked.

18. Quote 1: Cancer configured

    Right answer: Open Flexible Choice Cancer Customized Coverage.

19. Quote 1: Cancer base is $10,000

    Right answer: Set the cancer Benefit Amount to $10,000.

20. Quote 1: Heart/Stroke rider checked

    Right answer: Check the Heart/Stroke rider.

21. Quote 1: Heart/Stroke rider is $10,000

    Right answer: Set the Heart/Stroke rider to $10,000.

22. Quote 1: Specified Disease rider checked

    Right answer: Check the Specified Disease rider.

23. Quote 1: Specified Disease rider is $10,000

    Right answer: Set the Specified Disease rider to $10,000.

24. Quote 1: Cancer Builder unchecked

    Right answer: Skip the Lump Sum Cancer Benefit Builder Rider.

25. Quote 1: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

26. Quote 1: verified dental premium

    Right answer: Read $42.50 for this verified dental quote.

27. Quote 1: verified accident premium

    Right answer: Read $25.00 for this verified accident quote.

28. Who sets the dental price

    Right answer: The oldest person on the policy sets the dental age bucket; here that is the primary applicant.

29. Cancer riders and reason

    Right answer: Build critical illness with $10,000 cancer, $10,000 Heart/Stroke and $10,000 Specified Disease; leave Builder off.

30. Separate-policy explanation

    Right answer: Partners and eligible children can share the assigned household coverage; no person here needs a separate policy.

Quote 1: Applicant 1 DOB 03/14/1984; gender Female; coverage Individual; products dental, accident, cancer.

Dental monthly premium: $42.50.

Accident monthly premium: $25.00.

Cancer monthly premium: Recorded, not graded.

1. Who sets the dental price?

   1. The primary applicant, who is oldest here (Right answer)
   2. The older spouse, in the 50-and-over bucket
   3. Each person on their own separate policy
   4. The average age of the household

2. Which cancer riders are on, and why?

   1. Heart/Stroke and Specified Disease, $10,000 each; no Builder, to build critical illness (Right answer)
   2. None, because this household did not request cancer
   3. Builder only, to build critical illness
   4. Every rider, to maximize coverage

3. Does any person need a separate policy?

   1. No, the household fits together (Right answer)
   2. Yes, the brothers each need their own Individual policy
   3. Yes, every child needs their own policy

Only premiums with verified fixture IDs are graded. All other premiums are recorded, not graded.

Variation 2: Two spouses choosing coverage

A married couple born 06/02/1986 and 11/19/1988, ZIP 33196, want dental and accident. Quote what we sell for this household. Stop at Policy Selection.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Household policy count

   Right answer: This household fits one policy for each selected product using the same primary.

2. Quote 1: Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

3. Quote 1: Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

4. Quote 1: Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

5. Quote 1: Primary gender

   Right answer: Select a valid primary applicant gender.

6. Quote 1: Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

7. Quote 1: Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual & Spouse/Domestic Partner.

8. Quote 1: Accident Coverage Type

   Right answer: Set accident Coverage Type to Individual & Spouse/Domestic Partner.

9. Quote 1: Cancer Coverage Type

   Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

10. Quote 1: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

11. Quote 1: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

12. Quote 1: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

13. Quote 1: Applicant 2 first name

    Right answer: Fill Applicant 2 first before reading the price.

14. Quote 1: Applicant 2 last name

    Right answer: Fill Applicant 2 last before reading the price.

15. Quote 1: Applicant 2 birth date

    Right answer: Fill Applicant 2 Date of Birth with 11/19/1988.

16. Quote 1: Applicant 2 gender

    Right answer: Fill Applicant 2 gender before reading the price.

17. Quote 1: Choice Accident configured

    Right answer: Open Choice Accident Customized Coverage.

18. Quote 1: Accident Premier benefit level

    Right answer: Choose Premier for Choice Accident.

19. Quote 1: Health Screening Benefit Rider unchecked

    Right answer: Leave the Health Screening Benefit Rider unchecked.

20. Quote 1: Accident Disability Rider unchecked

    Right answer: Leave the Accident Disability Rider unchecked.

21. Quote 1: Parent Accident Rider unchecked

    Right answer: Leave the Parent Accident Rider unchecked.

22. Quote 1: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

23. Quote 1: verified dental premium

    Right answer: Read $83.53 for this verified dental quote.

24. Who sets the dental price

    Right answer: The oldest person on the policy sets the dental age bucket; here that is the primary applicant.

25. Cancer riders and reason

    Right answer: Leave cancer and its riders unselected when the household does not want that product.

26. Separate-policy explanation

    Right answer: Partners and eligible children can share the assigned household coverage; no person here needs a separate policy.

Quote 1: Applicant 1 DOB 06/02/1986; gender Male or Female; coverage Individual & Spouse/Domestic Partner; products dental, accident.

Applicant 2 DOB: 11/19/1988. Fill both practice names and select Male or Female.

Dental monthly premium: $83.53.

Accident monthly premium: Recorded, not graded.

1. Who sets the dental price?

   1. The primary applicant, who is oldest here (Right answer)
   2. The older spouse, in the 50-and-over bucket
   3. Each person on their own separate policy
   4. The average age of the household

2. Which cancer riders are on, and why?

   1. Heart/Stroke and Specified Disease, $10,000 each; no Builder, to build critical illness
   2. None, because this household did not request cancer (Right answer)
   3. Builder only, to build critical illness
   4. Every rider, to maximize coverage

3. Does any person need a separate policy?

   1. No, the household fits together (Right answer)
   2. Yes, the brothers each need their own Individual policy
   3. Yes, every child needs their own policy

Only premiums with verified fixture IDs are graded. All other premiums are recorded, not graded.

Variation 3: A mother and her children

A mother born 08/08/1990 with children born 04/12/2012 and 09/21/2016, ZIP 33196, wants dental only. Quote what we sell for this household. Stop at Policy Selection.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Household policy count

   Right answer: This household fits one policy for each selected product using the same primary.

2. Quote 1: Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

3. Quote 1: Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

4. Quote 1: Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

5. Quote 1: Primary gender

   Right answer: Enter the primary applicant gender given in the task.

6. Quote 1: Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

7. Quote 1: Dental Coverage Type

   Right answer: Set dental Coverage Type to One-Parent Family.

8. Quote 1: Accident Coverage Type

   Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

9. Quote 1: Cancer Coverage Type

   Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

10. Quote 1: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

11. Quote 1: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

12. Quote 1: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

13. Quote 1: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

14. Quote 1: verified dental premium

    Right answer: Read $105.14 for this verified dental quote.

15. Who sets the dental price

    Right answer: The oldest person on the policy sets the dental age bucket; here that is the primary applicant.

16. Cancer riders and reason

    Right answer: Leave cancer and its riders unselected when the household does not want that product.

17. Separate-policy explanation

    Right answer: Partners and eligible children can share the assigned household coverage; no person here needs a separate policy.

Quote 1: Applicant 1 DOB 08/08/1990; gender Female; coverage One-Parent Family; products dental.

Dental monthly premium: $105.14.

1. Who sets the dental price?

   1. The primary applicant, who is oldest here (Right answer)
   2. The older spouse, in the 50-and-over bucket
   3. Each person on their own separate policy
   4. The average age of the household

2. Which cancer riders are on, and why?

   1. Heart/Stroke and Specified Disease, $10,000 each; no Builder, to build critical illness
   2. None, because this household did not request cancer (Right answer)
   3. Builder only, to build critical illness
   4. Every rider, to maximize coverage

3. Does any person need a separate policy?

   1. No, the household fits together (Right answer)
   2. Yes, the brothers each need their own Individual policy
   3. Yes, every child needs their own policy

Only premiums with verified fixture IDs are graded. All other premiums are recorded, not graded.

Variation 4: Partners choosing dental and critical illness

A couple born 05/05/1985 and 02/02/1974, ZIP 33196, want dental and the critical illness plan. Quote what we sell for this household. Stop at Policy Selection.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Household policy count

   Right answer: This household fits one policy for each selected product using the same primary.

2. Quote 1: Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

3. Quote 1: Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

4. Quote 1: Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

5. Quote 1: Primary gender

   Right answer: Select a valid primary applicant gender.

6. Quote 1: Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

7. Quote 1: Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual & Spouse/Domestic Partner.

8. Quote 1: Accident Coverage Type

   Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

9. Quote 1: Cancer Coverage Type

   Right answer: Set cancer Coverage Type to Individual & Spouse/Domestic Partner.

10. Quote 1: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

11. Quote 1: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

12. Quote 1: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

13. Quote 1: Applicant 2 first name

    Right answer: Fill Applicant 2 first before reading the price.

14. Quote 1: Applicant 2 last name

    Right answer: Fill Applicant 2 last before reading the price.

15. Quote 1: Applicant 2 birth date

    Right answer: Fill Applicant 2 Date of Birth with 02/02/1974.

16. Quote 1: Applicant 2 gender

    Right answer: Fill Applicant 2 gender before reading the price.

17. Quote 1: Cancer configured

    Right answer: Open Flexible Choice Cancer Customized Coverage.

18. Quote 1: Cancer base is $10,000

    Right answer: Set the cancer Benefit Amount to $10,000.

19. Quote 1: Heart/Stroke rider checked

    Right answer: Check the Heart/Stroke rider.

20. Quote 1: Heart/Stroke rider is $10,000

    Right answer: Set the Heart/Stroke rider to $10,000.

21. Quote 1: Specified Disease rider checked

    Right answer: Check the Specified Disease rider.

22. Quote 1: Specified Disease rider is $10,000

    Right answer: Set the Specified Disease rider to $10,000.

23. Quote 1: Cancer Builder unchecked

    Right answer: Skip the Lump Sum Cancer Benefit Builder Rider.

24. Quote 1: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

25. Who sets the dental price

    Right answer: The older spouse sets the dental price using the 50-and-over bucket.

26. Cancer riders and reason

    Right answer: Build critical illness with $10,000 cancer, $10,000 Heart/Stroke and $10,000 Specified Disease; leave Builder off.

27. Separate-policy explanation

    Right answer: Partners and eligible children can share the assigned household coverage; no person here needs a separate policy.

Quote 1: Applicant 1 DOB 05/05/1985; gender Male or Female; coverage Individual & Spouse/Domestic Partner; products dental, cancer.

Applicant 2 DOB: 02/02/1974. Fill both practice names and select Male or Female.

Dental monthly premium: Recorded, not graded.

Cancer monthly premium: Recorded, not graded.

1. Who sets the dental price?

   1. The primary applicant, who is oldest here
   2. The older spouse, in the 50-and-over bucket (Right answer)
   3. Each person on their own separate policy
   4. The average age of the household

2. Which cancer riders are on, and why?

   1. Heart/Stroke and Specified Disease, $10,000 each; no Builder, to build critical illness (Right answer)
   2. None, because this household did not request cancer
   3. Builder only, to build critical illness
   4. Every rider, to maximize coverage

3. Does any person need a separate policy?

   1. No, the household fits together (Right answer)
   2. Yes, the brothers each need their own Individual policy
   3. Yes, every child needs their own policy

Only premiums with verified fixture IDs are graded. All other premiums are recorded, not graded.

Variation 5: Brothers choosing different products

A man born 01/20/1992 wants dental and accident. His brother born 09/09/1994 wants dental only. Both live in ZIP 33196. Quote what we sell for this household. Stop at Policy Selection.

Fields and available options

• Zip Code; Date of Birth; First Name; Last Name: Text entry using the assigned household
• Gender: Please Select; Male; Female
• Coverage Type for each product: Please Select; Individual; Individual & Spouse/Domestic Partner; One-Parent Family; Family
• Products: Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum; Hospital Indemnity Select; Final Expense Life
• Dental Maximum Benefit: $1,000.00; $1,500.00; $2,000.00; $3,000.00; $5,000.00
• Dental deductible row: $100.00; $50.00; $0.00
• Dental price-grid column: Graded preventive (60% yr 1, 70% yr 2, 80% yr 3, 90% after); Preventive after 6 months; Premium with Full Preventive Services
• Accident benefit level: Core; Preferred; Premier
• Health Screening Benefit Rider; Accident Disability Rider; Parent Accident Rider: Checked; Unchecked
• Cancer Benefit Amount and each rider amount: $5,000.00; $10,000.00; $15,000.00; $20,000.00
• Lump Sum Heart/Stroke Rider; Lump Sum Cancer Benefit Builder Rider; Specified Disease Benefit Rider: Checked; Unchecked

Right settings and graded checks

1. Household policy count

   Right answer: Brothers need two separate Individual policies.

2. Quote 1: Quoted state is FL

   Right answer: Check the quoted state at the top right; this household must be quoted in FL.

3. Quote 1: Assigned ZIP

   Right answer: Enter the assigned ZIP 33196 exactly.

4. Quote 1: Primary birth date

   Right answer: Start with the birth date of the primary applicant given in the task.

5. Quote 1: Primary gender

   Right answer: Enter the primary applicant gender given in the task.

6. Quote 1: Only supported products selected

   Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

7. Quote 1: Dental Coverage Type

   Right answer: Set dental Coverage Type to Individual.

8. Quote 1: Accident Coverage Type

   Right answer: Set accident Coverage Type to Individual.

9. Quote 1: Cancer Coverage Type

   Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

10. Quote 1: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

11. Quote 1: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

12. Quote 1: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

13. Quote 1: Choice Accident configured

    Right answer: Open Choice Accident Customized Coverage.

14. Quote 1: Accident Premier benefit level

    Right answer: Choose Premier for Choice Accident.

15. Quote 1: Health Screening Benefit Rider unchecked

    Right answer: Leave the Health Screening Benefit Rider unchecked.

16. Quote 1: Accident Disability Rider unchecked

    Right answer: Leave the Accident Disability Rider unchecked.

17. Quote 1: Parent Accident Rider unchecked

    Right answer: Leave the Parent Accident Rider unchecked.

18. Quote 1: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

19. Quote 1: verified dental premium

    Right answer: Read $42.50 for this verified dental quote.

20. Quote 1: verified accident premium

    Right answer: Read $25.00 for this verified accident quote.

21. Quote 2: Quoted state is FL

    Right answer: Check the quoted state at the top right; this household must be quoted in FL.

22. Quote 2: Assigned ZIP

    Right answer: Enter the assigned ZIP 33196 exactly.

23. Quote 2: Primary birth date

    Right answer: Start with the birth date of the primary applicant given in the task.

24. Quote 2: Primary gender

    Right answer: Enter the primary applicant gender given in the task.

25. Quote 2: Only supported products selected

    Right answer: Use only dental, Choice Accident and Flexible Choice Cancer; leave every decoy Coverage Type at Please Select when submitting.

26. Quote 2: Dental Coverage Type

    Right answer: Set dental Coverage Type to Individual.

27. Quote 2: Accident Coverage Type

    Right answer: Leave accident Coverage Type at Please Select to remove it from the total.

28. Quote 2: Cancer Coverage Type

    Right answer: Leave cancer Coverage Type at Please Select to remove it from the total.

29. Quote 2: Dental maximum is $5,000

    Right answer: Always set the dental Maximum Benefit to $5,000.

30. Quote 2: Dental $100 deductible row

    Right answer: Read the top row of the grid, the $100 deductible.

31. Quote 2: Dental Full Preventive column

    Right answer: Select the far-right Full Preventive Services column, covered from day one.

32. Quote 2: stopped at Policy Selection

    Right answer: Stop at Policy Selection. Do not start an application in training.

33. Quote 2: verified dental premium

    Right answer: Read $42.50 for this verified dental quote.

34. Who sets the dental price

    Right answer: Each brother sets the age bucket on his own separate Individual policy.

35. Cancer riders and reason

    Right answer: Leave cancer and its riders unselected when the household does not want that product.

36. Separate-policy explanation

    Right answer: Brothers are not spouses or domestic partners; quote each on a separate Individual policy.

Quote 1: Applicant 1 DOB 01/20/1992; gender Male; coverage Individual; products dental, accident.

Dental monthly premium: $42.50.

Accident monthly premium: $25.00.

Quote 2: Applicant 1 DOB 09/09/1994; gender Male; coverage Individual; products dental.

Dental monthly premium: $42.50.

1. Who sets the dental price?

   1. The primary applicant, who is oldest here
   2. The older spouse, in the 50-and-over bucket
   3. Each person on their own separate policy (Right answer)
   4. The average age of the household

2. Which cancer riders are on, and why?

   1. Heart/Stroke and Specified Disease, $10,000 each; no Builder, to build critical illness
   2. None, because this household did not request cancer (Right answer)
   3. Builder only, to build critical illness
   4. Every rider, to maximize coverage

3. Does any person need a separate policy?

   1. No, the household fits together
   2. Yes, the brothers each need their own Individual policy (Right answer)
   3. Yes, every child needs their own policy

Only premiums with verified fixture IDs are graded. All other premiums are recorded, not graded.

A woman choosing her coverage

ZIP 33196. Rating date: 2026-11-01. Quote: dental, accident, cancer.

• Woman: DOB 03/14/1984; gender Female; wants dental, accident, cancer.

Instructions

1. Use ZIP 33196 and the household birth dates. Rating date: November 1, 2026.
2. At Policy Selection, set Applicant 1 First Name to Practice and Last Name to your test code.
3. For two partners, fill Applicant 2 through Gender using the second birth date; use practice names and choose a gender if the household does not specify one.
4. Show the state, both applicant panels when applicable, every selected product setting and rider, and the product premiums in up to four screenshots.
5. Show the Coverage Type of unselected products as Please Select so the checker can confirm no extra coverage.
6. Stop at Policy Selection. Never click Start Application or submit a real application.

Graded values

1. Applicant 1 practice name and test code

   Right answer: first: Practice; last: your test code

   Type the First Name and Last Name of every applicant on the right.

2. Stop at Policy Selection

   Right answer: is policy selection screen: Yes; application screen visible: No

   Stop at Policy Selection; never start a real application.

3. State at top right

   Right answer: FL

   Check the state at the top right of the next screen.

4. Flexible Choice Dental settings

   Right answer: Yes

   Select Customized Coverage.

5. Flexible Choice Dental Coverage Type

   Right answer: Individual

   Open Coverage Type and pick one of the four.

6. Flexible Choice Dental Maximum Benefit

   Right answer: $5,000.00

   Set Maximum Benefit to $5,000.

7. Flexible Choice Dental deductible row

   Right answer: $100.00

   Read the quote at the top right of the price grid.

8. Flexible Choice Dental Full Preventive column

   Right answer: full_preventive

   That is the $100 deductible with preventive services covered at 100% from day one.

9. Flexible Choice Dental premium

   Right answer: $42.50

   Read the quote at the top right of the price grid.

10. Choice Accident settings

    Right answer: Yes

    Click Choice Accident and select Customized Coverage.

11. Choice Accident Coverage Type

    Right answer: Individual

    Pick the Coverage Type.

12. Choice Accident benefit level

    Right answer: Premier

    Under the benefit levels, click Premier.

13. Choice Accident riders

    Right answer: None

    Leave every Optional Rider unchecked.

14. Choice Accident premium

    Right answer: $25.00

    Under the benefit levels, click Premier.

15. Flexible Choice Cancer settings

    Right answer: Yes

    Click Flexible Choice Cancer - Lump Sum and pick the Coverage Type.

16. Flexible Choice Cancer Coverage Type

    Right answer: Individual

    Click Flexible Choice Cancer - Lump Sum and pick the Coverage Type.

17. Flexible Choice Cancer Benefit Amount

    Right answer: $10,000.00

    Set Benefit Amount to $10,000.

18. Heart/Stroke rider

    Right answer: Yes

    Check Lump Sum Heart/Stroke Rider and set it to $10,000.

19. Heart/Stroke rider amount

    Right answer: $10,000.00

    Check Lump Sum Heart/Stroke Rider and set it to $10,000.

20. Builder rider

    Right answer: No

    Skip Lump Sum Cancer Benefit Builder Rider.

21. Specified Disease rider

    Right answer: Yes

    Check Specified Disease Benefit Rider and set it to $10,000.

22. Specified Disease rider amount

    Right answer: $10,000.00

    Check Specified Disease Benefit Rider and set it to $10,000.

23. Flexible Choice Cancer other riders

    Right answer: None

    That is the plan: the base, the first rider, the third rider.

24. No extra products selected

    Right answer: None

    Use only three products on the list.

Two spouses choosing coverage

ZIP 33196. Rating date: 2026-11-01. Quote: dental, accident.

• Spouse 1: DOB 06/02/1986; gender choose a gender; wants dental, accident.
• Spouse 2: DOB 11/19/1988; gender choose a gender; wants dental, accident.

Instructions

1. Use ZIP 33196 and the household birth dates. Rating date: November 1, 2026.
2. At Policy Selection, set Applicant 1 First Name to Practice and Last Name to your test code.
3. For two partners, fill Applicant 2 through Gender using the second birth date; use practice names and choose a gender if the household does not specify one.
4. Show the state, both applicant panels when applicable, every selected product setting and rider, and the product premiums in up to four screenshots.
5. Show the Coverage Type of unselected products as Please Select so the checker can confirm no extra coverage.
6. Stop at Policy Selection. Never click Start Application or submit a real application.

Graded values

1. Applicant 1 practice name and test code

   Right answer: first: Practice; last: your test code

   Type the First Name and Last Name of every applicant on the right.

2. Stop at Policy Selection

   Right answer: is policy selection screen: Yes; application screen visible: No

   Stop at Policy Selection; never start a real application.

3. State at top right

   Right answer: FL

   Check the state at the top right of the next screen.

4. Applicant 2 First Name

   Right answer: Filled in

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

5. Applicant 2 Last Name

   Right answer: Filled in

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

6. Applicant 2 Date of Birth

   Right answer: 11/19/1988

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

7. Applicant 2 Gender

   Right answer: Male or Female

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

8. Flexible Choice Dental settings

   Right answer: Yes

   Select Customized Coverage.

9. Flexible Choice Dental Coverage Type

   Right answer: Individual & Spouse/Domestic Partner

   Open Coverage Type and pick one of the four.

10. Flexible Choice Dental Maximum Benefit

    Right answer: $5,000.00

    Set Maximum Benefit to $5,000.

11. Flexible Choice Dental deductible row

    Right answer: $100.00

    Read the quote at the top right of the price grid.

12. Flexible Choice Dental Full Preventive column

    Right answer: full_preventive

    That is the $100 deductible with preventive services covered at 100% from day one.

13. Flexible Choice Dental premium

    Right answer: $83.53

    Read the quote at the top right of the price grid.

14. Choice Accident settings

    Right answer: Yes

    Click Choice Accident and select Customized Coverage.

15. Choice Accident Coverage Type

    Right answer: Individual & Spouse/Domestic Partner

    Pick the Coverage Type.

16. Choice Accident benefit level

    Right answer: Premier

    Under the benefit levels, click Premier.

17. Choice Accident riders

    Right answer: None

    Leave every Optional Rider unchecked.

18. No extra products selected

    Right answer: None

    Use only three products on the list.

A mother and her children

ZIP 33196. Rating date: 2026-11-01. Quote: dental.

• Mother: DOB 08/08/1990; gender Female; wants dental.
• Child 1: DOB 04/12/2012; gender choose a gender; wants dental.
• Child 2: DOB 09/21/2016; gender choose a gender; wants dental.

Instructions

1. Use ZIP 33196 and the household birth dates. Rating date: November 1, 2026.
2. At Policy Selection, set Applicant 1 First Name to Practice and Last Name to your test code.
3. For two partners, fill Applicant 2 through Gender using the second birth date; use practice names and choose a gender if the household does not specify one.
4. Show the state, both applicant panels when applicable, every selected product setting and rider, and the product premiums in up to four screenshots.
5. Show the Coverage Type of unselected products as Please Select so the checker can confirm no extra coverage.
6. Stop at Policy Selection. Never click Start Application or submit a real application.

Graded values

1. Applicant 1 practice name and test code

   Right answer: first: Practice; last: your test code

   Type the First Name and Last Name of every applicant on the right.

2. Stop at Policy Selection

   Right answer: is policy selection screen: Yes; application screen visible: No

   Stop at Policy Selection; never start a real application.

3. State at top right

   Right answer: FL

   Check the state at the top right of the next screen.

4. Flexible Choice Dental settings

   Right answer: Yes

   Select Customized Coverage.

5. Flexible Choice Dental Coverage Type

   Right answer: One-Parent Family

   Open Coverage Type and pick one of the four.

6. Flexible Choice Dental Maximum Benefit

   Right answer: $5,000.00

   Set Maximum Benefit to $5,000.

7. Flexible Choice Dental deductible row

   Right answer: $100.00

   Read the quote at the top right of the price grid.

8. Flexible Choice Dental Full Preventive column

   Right answer: full_preventive

   That is the $100 deductible with preventive services covered at 100% from day one.

9. Flexible Choice Dental premium

   Right answer: $105.14

   Read the quote at the top right of the price grid.

10. No extra products selected

    Right answer: None

    Use only three products on the list.

Partners choosing dental and critical illness

ZIP 33196. Rating date: 2026-11-01. Quote: dental, cancer.

• Partner 1: DOB 05/05/1985; gender choose a gender; wants dental, cancer.
• Partner 2: DOB 02/02/1974; gender choose a gender; wants dental, cancer.

Instructions

1. Use ZIP 33196 and the household birth dates. Rating date: November 1, 2026.
2. At Policy Selection, set Applicant 1 First Name to Practice and Last Name to your test code.
3. For two partners, fill Applicant 2 through Gender using the second birth date; use practice names and choose a gender if the household does not specify one.
4. Show the state, both applicant panels when applicable, every selected product setting and rider, and the product premiums in up to four screenshots.
5. Show the Coverage Type of unselected products as Please Select so the checker can confirm no extra coverage.
6. Stop at Policy Selection. Never click Start Application or submit a real application.

Graded values

1. Applicant 1 practice name and test code

   Right answer: first: Practice; last: your test code

   Type the First Name and Last Name of every applicant on the right.

2. Stop at Policy Selection

   Right answer: is policy selection screen: Yes; application screen visible: No

   Stop at Policy Selection; never start a real application.

3. State at top right

   Right answer: FL

   Check the state at the top right of the next screen.

4. Applicant 2 First Name

   Right answer: Filled in

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

5. Applicant 2 Last Name

   Right answer: Filled in

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

6. Applicant 2 Date of Birth

   Right answer: 02/02/1974

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

7. Applicant 2 Gender

   Right answer: Male or Female

   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

8. Flexible Choice Dental settings

   Right answer: Yes

   Select Customized Coverage.

9. Flexible Choice Dental Coverage Type

   Right answer: Individual & Spouse/Domestic Partner

   Open Coverage Type and pick one of the four.

10. Flexible Choice Dental Maximum Benefit

    Right answer: $5,000.00

    Set Maximum Benefit to $5,000.

11. Flexible Choice Dental deductible row

    Right answer: $100.00

    Read the quote at the top right of the price grid.

12. Flexible Choice Dental Full Preventive column

    Right answer: full_preventive

    That is the $100 deductible with preventive services covered at 100% from day one.

13. Flexible Choice Cancer settings

    Right answer: Yes

    Click Flexible Choice Cancer - Lump Sum and pick the Coverage Type.

14. Flexible Choice Cancer Coverage Type

    Right answer: Individual & Spouse/Domestic Partner

    Click Flexible Choice Cancer - Lump Sum and pick the Coverage Type.

15. Flexible Choice Cancer Benefit Amount

    Right answer: $10,000.00

    Set Benefit Amount to $10,000.

16. Heart/Stroke rider

    Right answer: Yes

    Check Lump Sum Heart/Stroke Rider and set it to $10,000.

17. Heart/Stroke rider amount

    Right answer: $10,000.00

    Check Lump Sum Heart/Stroke Rider and set it to $10,000.

18. Builder rider

    Right answer: No

    Skip Lump Sum Cancer Benefit Builder Rider.

19. Specified Disease rider

    Right answer: Yes

    Check Specified Disease Benefit Rider and set it to $10,000.

20. Specified Disease rider amount

    Right answer: $10,000.00

    Check Specified Disease Benefit Rider and set it to $10,000.

21. Flexible Choice Cancer other riders

    Right answer: None

    That is the plan: the base, the first rider, the third rider.

22. No extra products selected

    Right answer: None

    Use only three products on the list.

Brothers choosing different products

ZIP 33196. Rating date: 2026-11-01. Quote: dental, accident.

• Brother 1: DOB 01/20/1992; gender Male; wants dental, accident.
• Brother 2: DOB 09/09/1994; gender Male; wants dental.

Instructions

1. Use ZIP 33196 and the household birth dates. Rating date: November 1, 2026.
2. At Policy Selection, set Applicant 1 First Name to Practice and Last Name to your test code.
3. For two partners, fill Applicant 2 through Gender using the second birth date; use practice names and choose a gender if the household does not specify one.
4. Show the state, both applicant panels when applicable, every selected product setting and rider, and the product premiums in up to four screenshots.
5. Show the Coverage Type of unselected products as Please Select so the checker can confirm no extra coverage.
6. Stop at Policy Selection. Never click Start Application or submit a real application.
7. The brothers need separate Individual policies. Submit ONE attempt for Brother 1, who wants dental and accident, with Applicant 1 named Practice plus your code. Do not include Brother 2 on this quote.

Graded values

1. Applicant 1 practice name and test code

   Right answer: first: Practice; last: your test code

   Type the First Name and Last Name of every applicant on the right.

2. Stop at Policy Selection

   Right answer: is policy selection screen: Yes; application screen visible: No

   Stop at Policy Selection; never start a real application.

3. State at top right

   Right answer: FL

   Check the state at the top right of the next screen.

4. Flexible Choice Dental settings

   Right answer: Yes

   Select Customized Coverage.

5. Flexible Choice Dental Coverage Type

   Right answer: Individual

   Open Coverage Type and pick one of the four.

6. Flexible Choice Dental Maximum Benefit

   Right answer: $5,000.00

   Set Maximum Benefit to $5,000.

7. Flexible Choice Dental deductible row

   Right answer: $100.00

   Read the quote at the top right of the price grid.

8. Flexible Choice Dental Full Preventive column

   Right answer: full_preventive

   That is the $100 deductible with preventive services covered at 100% from day one.

9. Flexible Choice Dental premium

   Right answer: $42.50

   Read the quote at the top right of the price grid.

10. Choice Accident settings

    Right answer: Yes

    Click Choice Accident and select Customized Coverage.

11. Choice Accident Coverage Type

    Right answer: Individual

    Pick the Coverage Type.

12. Choice Accident benefit level

    Right answer: Premier

    Under the benefit levels, click Premier.

13. Choice Accident riders

    Right answer: None

    Leave every Optional Rider unchecked.

14. Choice Accident premium

    Right answer: $25.00

    Under the benefit levels, click Premier.

15. No extra products selected

    Right answer: None

    Use only three products on the list.