What this Life & Health practice test covers
- 50 exam-style questions drawn from the Life, Accident & Health Producer bank
- Every answer verified against the governing statutory code (wv-ins-c33)
- Hints and a detailed explanation on every question with Pro
- Tracks your weakest insurance topic categories before exam day
Try a few Life & Health questions
These come from our 6,438-question Life & Health bank. The licensing examination draws from these same state insurance statutes and NAIC model regulations.
3 FREE PREVIEW OF 50
1
An Alaska producer mails prospects sales material printed with each recipient's name and coverage amounts to look like an issued contract, without naming the insurer. How does Alaska law treat the mailer?
AIt is barred: it mimics a policy and fails to clearly name the insurer
BIt is barred only as a lookalike; naming the insurer is not required
CIt is acceptable if every coverage figure shown is accurate
DIt is acceptable because the rules reach only broadcast presentations
2
An Alaska marketer sells a prospect an association membership to qualify the prospect for the group health plan, and at events leads with the group plan to sell memberships. Are these practices barred?
AOnly the second practice is barred by the statute
BBoth practices are barred by the statute
CNeither practice is barred by the statute
DOnly the first practice is barred by the statute
3
Under Alaska's exceptions to the rebate and discrimination rules, an insurer issues health policies at below-usual premium rates. How large may the reduction be?
ANo more than the administration and issuance savings reasonably attributable to them
BAny amount, if every similarly situated applicant gets the same lowered rate
CNone; issuing below usual rates is always a prohibited rebate
DUp to half the usual premium, whatever the insurer's actual expense savings are
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