Sample LTCG Cognitive Test Questions for Life Insurance Applicants

What to Expect From the Test

The long‑term care (LTC) cognitive assessment used by most life‑insurance carriers is a brief, structured questionnaire designed to gauge memory, problem‑solving, and executive function. It usually lasts 15–20 minutes and is administered in person or online under supervised conditions. The test is not a formal diagnosis of dementia but a screening tool that helps insurers predict future care needs.

Typical Question Types

Questions fall into three broad categories:

• Immediate recall – name objects or words presented just before the question.
• Delayed recall – retrieve the same items after a brief distraction.
• Executive function – solve simple puzzles or follow multi‑step instructions.

Sample Question 1: Immediate Recall

Question: "I will say three words now: apple, table, blue. Repeat them back to me."

Answer: "Apple, table, blue."

Sample Question 2: Delayed Recall

Question: After a 5‑minute math problem, the examiner will ask: "What were the three words I said earlier?"

Answer: "Apple, table, blue."

Sample Question 3: Executive Function

Question: "I will give you a sequence of numbers: 4, 7, 2, 9. Repeat them in reverse order."

Answer: "9, 2, 7, 4."

Scoring and Interpretation

Each correct answer earns one point. A typical threshold for a "normal" score is 8 or higher out of 10. Scores below the threshold may trigger additional medical review or a higher premium. Some carriers adjust the cutoff based on age, gender, and health history.

Preparing for the Test

Preparation focuses on mental sharpness rather than memorizing specific questions:

• Practice short‑term memory exercises, such as repeating phone numbers.
• Engage in puzzles that require sequencing, like simple crosswords or Sudoku.
• Maintain a regular sleep schedule and healthy diet to support cognitive function.

Common Mistakes to Avoid

Many applicants overthink the answers or rush through the test. Key pitfalls include:

• Answering too quickly before hearing the question fully.
• Providing partial or approximate answers (e.g., "I think it was blue").
• Getting distracted by the environment, which can reduce recall accuracy.

After the Test

Once the assessment is complete, the insurer will review the score and determine whether the applicant qualifies for standard rates, requires supplemental underwriting, or needs a medical exam. If additional evaluation is requested, the applicant may be referred to a qualified physician or a certified cognitive specialist.