WASHINGTON LIFE HEALTH CORE EXAMS SET 2026/2027
QUESTIONS AND SOLUTIONS RATED A+
✔✔A Producer has 4 licenses - Life, Disability, Property, and Casualty. She knows that
the fee to renew a single license is $55 every two years. What will it cost for her to
renew all four licenses? - ✔✔$55
✔✔An Insurer permitted to appoint Producers to do business in Washington is referred
to as: - ✔✔an authorized insurer
✔✔After the initial open enrollment period at age 65, the Insurer may exclude coverage
for an applicant's preexisting condition for how many months after policy delivery? -
✔✔Three.
After the initial open enrollment period, the Insurer could reject the applicant all together
or accept the applicant but impose a 3 month exclusion for the preexisting condition.
✔✔An Insured canceled a policy within the 10 day time following delivery. The Insurer
must pay a 10% penalty if the premium is not refunded by the: - ✔✔30th day
✔✔An insurer may deny personal insurance for? - ✔✔The ratio of the amount of
outstanding debt in relation to the available line of credit.
✔✔When selling an individual health policy to an applicant, the Producer must give a
Disability insurance prospect: - ✔✔a generic Shoppers Guide.
✔✔To sell Long-Term Care insurance, a Washington Disability Producer must
complete: - ✔✔a one-time 8 hour course and a 4 hour refresher every two years.
✔✔If an appointment is revoked by the Insurer for cause, the Commissioner must be
notified within: - ✔✔30 days
✔✔A Producer must provide proof of completion of continuing education: - ✔✔when
applying for license renewal
✔✔It is acceptable for a Producer to induce a person to purchase insurance by offering
part of the Producer's commission as which of the following? - ✔✔prizes or goods
valued up to $25.
✔✔An Insurer advertising in Washington must include in the ad the full name of the
Insurer and: - ✔✔the location of the Insurer's principal office, if it is in the U.S.
✔✔Which of the following refers to an attempt by an Existing Life Insurer to discourage
an Insured from switching to a Replacing Life Insurer? - ✔✔conservation
, ✔✔If a Life Producer wants to also sell annuities, the Producer must complete an
annuity course involving: - ✔✔one time 4 hour course with no refresher needed
everrrrrr.
✔✔Upon receiving a Replacement Notice from a Replacing Producer, the Replacing
Insurer must send the Existing Insurer notice of the proposed replacement within: - ✔✔3
working days.
✔✔ Every 2 year renewal period, a Producer must complete: - ✔✔24 hrs of continuing
education
✔✔The Commissioner may suspend or revoke a Producer's license for any of the
following: - ✔✔Guaranteeing dividends
Rebating
Twisting
✔✔The Commissioner may: - ✔✔approve premium rates
✔✔Jasmine knows that she must complete 24 hours of continuing education every two
years to renew her life license. However, if she also obtains a casualty license, her total
continuing education requirement every two years will be: - ✔✔24 hours
✔✔A Producer must keep transaction records for: - ✔✔5 years
✔✔Each of the following activities requiring a Washington insurance license is
considered an illegal "unlicensed activity" - ✔✔Determining the appropriate policy to
cover the applicant's risk
Acting as an independent adjuster
Explaining policy provision
✔✔Unless a whole life policy's loan interest rate is determined by Moody's Corporate
Bond Yield Average as approved by the Commissioner, the maximum loan interest rate
will be: - ✔✔8%
✔✔Selling insurance in Washington without an insurance Producer license is a: -
✔✔Class B felony
✔✔An Insurer formed in Wyoming is referred to as? - ✔✔a foreign Insurer
✔✔An unlicensed office person working in a Washington insurance office may: -
✔✔Perform normal duties NOT involving selling insurance
QUESTIONS AND SOLUTIONS RATED A+
✔✔A Producer has 4 licenses - Life, Disability, Property, and Casualty. She knows that
the fee to renew a single license is $55 every two years. What will it cost for her to
renew all four licenses? - ✔✔$55
✔✔An Insurer permitted to appoint Producers to do business in Washington is referred
to as: - ✔✔an authorized insurer
✔✔After the initial open enrollment period at age 65, the Insurer may exclude coverage
for an applicant's preexisting condition for how many months after policy delivery? -
✔✔Three.
After the initial open enrollment period, the Insurer could reject the applicant all together
or accept the applicant but impose a 3 month exclusion for the preexisting condition.
✔✔An Insured canceled a policy within the 10 day time following delivery. The Insurer
must pay a 10% penalty if the premium is not refunded by the: - ✔✔30th day
✔✔An insurer may deny personal insurance for? - ✔✔The ratio of the amount of
outstanding debt in relation to the available line of credit.
✔✔When selling an individual health policy to an applicant, the Producer must give a
Disability insurance prospect: - ✔✔a generic Shoppers Guide.
✔✔To sell Long-Term Care insurance, a Washington Disability Producer must
complete: - ✔✔a one-time 8 hour course and a 4 hour refresher every two years.
✔✔If an appointment is revoked by the Insurer for cause, the Commissioner must be
notified within: - ✔✔30 days
✔✔A Producer must provide proof of completion of continuing education: - ✔✔when
applying for license renewal
✔✔It is acceptable for a Producer to induce a person to purchase insurance by offering
part of the Producer's commission as which of the following? - ✔✔prizes or goods
valued up to $25.
✔✔An Insurer advertising in Washington must include in the ad the full name of the
Insurer and: - ✔✔the location of the Insurer's principal office, if it is in the U.S.
✔✔Which of the following refers to an attempt by an Existing Life Insurer to discourage
an Insured from switching to a Replacing Life Insurer? - ✔✔conservation
, ✔✔If a Life Producer wants to also sell annuities, the Producer must complete an
annuity course involving: - ✔✔one time 4 hour course with no refresher needed
everrrrrr.
✔✔Upon receiving a Replacement Notice from a Replacing Producer, the Replacing
Insurer must send the Existing Insurer notice of the proposed replacement within: - ✔✔3
working days.
✔✔ Every 2 year renewal period, a Producer must complete: - ✔✔24 hrs of continuing
education
✔✔The Commissioner may suspend or revoke a Producer's license for any of the
following: - ✔✔Guaranteeing dividends
Rebating
Twisting
✔✔The Commissioner may: - ✔✔approve premium rates
✔✔Jasmine knows that she must complete 24 hours of continuing education every two
years to renew her life license. However, if she also obtains a casualty license, her total
continuing education requirement every two years will be: - ✔✔24 hours
✔✔A Producer must keep transaction records for: - ✔✔5 years
✔✔Each of the following activities requiring a Washington insurance license is
considered an illegal "unlicensed activity" - ✔✔Determining the appropriate policy to
cover the applicant's risk
Acting as an independent adjuster
Explaining policy provision
✔✔Unless a whole life policy's loan interest rate is determined by Moody's Corporate
Bond Yield Average as approved by the Commissioner, the maximum loan interest rate
will be: - ✔✔8%
✔✔Selling insurance in Washington without an insurance Producer license is a: -
✔✔Class B felony
✔✔An Insurer formed in Wyoming is referred to as? - ✔✔a foreign Insurer
✔✔An unlicensed office person working in a Washington insurance office may: -
✔✔Perform normal duties NOT involving selling insurance
