WASHINGTON LIFE AND HEALTH DISABILITY INSURANCE EXAMINATION TEST 2026 QUESTIONS WITH SOLUTIONS GRADED A+

WASHINGTON LIFE AND HEALTH DISABILITY
INSURANCE EXAMINATION TEST 2026
QUESTIONS WITH SOLUTIONS GRADED A+


◉ Intentional withholding of material facts that would affect an
insurance policy's validity is called a(n):
A. Estoppel
B. Concealment
C. Adhesion
D. Misrepresentation. Answer: B. Concealment


◉ When calculating the amount of life insurance needed for an income
earner, what has to be determined when using the Needs Approach?


A. The income earner's future projected income
B. The family's financial objectives if the income earner were to die or
become disabled
C. The insurance company's financial rating
D. The income earner's credit score. Answer: B. The family's financial
objectives if the income earner were to die or become disabled

, ◉ After an insured gives notice of loss, what must he/she do if the
insurer does not furnish forms?
A. File a lawsuit
B. Contact the insurer again requesting forms
C. Nothing
D. File written proof of loss. Answer: D. File written proof of loss


◉ How many employees must an employer have for a terminated
employee to be eligible for COBRA?
A. 20
B. 30
C. 40
D. 50. Answer: A. 20


◉ An individual who has a contract with an insurance company to
represent it is called a(n):
A. Producer
B. Representative
C. Commissioner
D. Administrator. Answer: A. Producer


◉ A(n) __________ company is owned by its shareholders:
A. Mixed