Long Term Disability
Accident Benefits
Critical Illness
Universal Life
Bonus
100

The term for the period an employee must wait after becoming disabled before LTD benefits begin.

What is the Elimination Period?

100

Accident plans pay a benefit when this type of unexpected event occurs.

What is an accident? 

100

Name 3 conditions typically covered by CI.

What are cancer, heart attack, stroke, coronary artery disease, end stage renal kidney failure?

100

Rates that are locked in at age you purchase coverage.

What is "Issue Age"?

100

When you take coverage with you when you change employment status.

What is portability and conversion? 

200

This clause defines whether an employee qualifies for benefits based on their ability to perform their own occupation or any occupation. 

What us the definition of disability (Own Occ vs Any Occ)?

200

This rider pays an additional 25% if insured receives injury while participating in a registered sport. 

What is the Organized Sporting Activity Benefit Rider? 

200

Critical Illness pays a lump sum upon diagnosis of this.

What is a covered condition? 

200

Accelerates Death Benefit to pay for formal caregiving benefits.

What is the Long Term Care Rider? 

200

The first commercial bourbon distillery opened in Kentucky in 1783. 

Who is Evan Williams?

300

This term refers to income sources like Social Security Disability or Workers’ Compensation that reduce the LTD benefit.

What are offsets or deductible sources of income?

300

Name two common covered injuries in most accident plans. 

What are fractures and dislocations? 

300

CI plans are not meant to replace health insurance but help with THESE types of costs.

What are non-medical expenses (mortgage, childcare, groceries, travel)?

300

This is accrued over the life of the policy as long as premiums are paid.

What is cash value? 

300

Other benefits Transamerica offers.

What is Short Term Disability, Group Term Life, HSA/FSA, 401k, GAP plans? 

400

This is an optional rider that increases LTD benefits annually to keep pace with inflation. 

What is the Cost of Living Adjustment?

400

Losing two arms or two legs is part of what benefits category.

What are Dismemberment Benefits? 

400

Name the most frequently utilized Critical Illness benefit.

What is Wellness or Health Screening Benefit?

400

An amount of insurance an employee can purchase without medical questions.

What is Guaranteed Issue? 

400

This establishment, opened in 1922 near Churchill Downs, is one of Louisville’s oldest continuously operating restaurants?  

What is Wagner's Pharmacy?

500

This optional LTD contract limitation restricts benefit eligibility for conditions that cannot be verified through objective medical evidence, such as chronic pain, headaches, or fatigue.

Subjective Illness or Self-Reported Illness Limitation?

500

This person cracks your back, but also gets you reimbursed after an injury.

What is a chiropractor? 

500

True or False: Rates are only in Attained Age format

What is False? (They can be issue age or attained age)

500
These are 2 of the 6 activities of daily living (ADLs).

What is bathing, dressing, transferring, eating, toileting, and continence? 

500

The winner of the 2025 Kentucky Derby.

Who is Sovereignty?