WASHINGTON LIFE HEALTH STUDY GUIDE EXAM
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔For each long-time Producer, a Washington Insurer must pay an appointment fee to
the Commissioner and provide notice of the Producer's appointment at which time? -
✔✔at the producer's renewal date every two years.
✔✔Bonded Producers must post a bond of: - ✔✔at least $2,500 but not more than 5%
of the premiums brokered in the previous year.
✔✔An unlicensed person working in a Washington insurance office may: - ✔✔perform
bookkeeper duties
✔✔If an Insurer's proposed premium rates are too low, the Commissioner will: -
✔✔Reject the proposed rates
✔✔A foreign insurer is: - ✔✔is formed in another state within the U.S.
✔✔A Nonresident Producer may be licensed in Washington if: - ✔✔the producer's
home state has a reciprocal agreement providing similar status to WA producers.
✔✔An Insurer MAY deny personal insurance based on: - ✔✔the ratio of outstanding
debt to available credit.
✔✔The Insurance Commissioner may: - ✔✔issue cease and desist orders.
✔✔A Producer who converts to his own use funds received in a fiduciary capacity is
guilty of: - ✔✔larcenous theft
✔✔The Evil Insurance Company is selling policies in Washington at premiums lower
than those contained in its rate filing. The Commissioner may do which of the following?
- ✔✔Suspend Evil's Certificate of Authority until it once again charges the filed rates.
✔✔An Insurer may deny personal insurance based on an individual's credit history only
if: - ✔✔there are other substantive underwriting factors.
✔✔If the Commissioner is going to terminate an illegally issued policy, Washington law
requires the Commissioner to give how much advance written notice? - ✔✔none
✔✔Disability policies must be at least: - ✔✔guaranteed renewalble
✔✔Which type of Insurer doesn't sell stock and is operated for its members on a
nonprofit ritualistic lodge basis? - ✔✔fraternal
, ✔✔The Washington Insurance Commissioner is chosen by: - ✔✔voters
✔✔If the Insurer's actuary documents that there are bona fide statistical differences, an
Insurer can discriminate on the basis of each of the following EXCEPT: - ✔✔marital
status, sex, geographical location, NOT on race
✔✔Which of the following must designate the Commissioner to receive legal process in
the event of a lawsuit? - ✔✔nonresident producers
✔✔A policy, contract, or rider that is marketed, offered, or designed to provide coverage
for at least 12 consecutive months for a covered person is: - ✔✔Long-Term Care
Insurance
✔✔Which must maintain an office in this state? - ✔✔A licensed resident Property or
Casualty Producer
✔✔A Producer license is needed to: - ✔✔bind coverage
✔✔The Guaranty Association: - ✔✔protects Insureds if an insurer is unable to pay
claims
✔✔On August 1st, a Producer received written notice from the Commissioner that the
Producer's license is due to be renewed. What is the earliest date that that Producer
could be required to stop selling insurance (without license renewal)? - ✔✔The end of
the Producer's birth month.
✔✔An individual life insurer must pay interest: - ✔✔from the date of the insured's death.
At least 8% interest must be paid from the date of the Insured's death and an additional
3% beginning on the 91st day after the claim is filed.
✔✔The Commissioner may suspend or revoke a Producer's license for each of the
following: - ✔✔knowingly violating an insurance law, conviction of a felony,
demonstrating incompetence.
✔✔Which of the following is not required to become an authorized insurance company
in the State of Washington? - ✔✔a private air ambulance service.
✔✔To be licensed as a Nonresident Producer, a person: - ✔✔must be currently
licensed and in good standing in another state.
✔✔The Commissioner may fine a licensee up to what amount for violating a cease and
desist order and what amount for violating any other insurance law? - ✔✔$250 - $1,000
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔For each long-time Producer, a Washington Insurer must pay an appointment fee to
the Commissioner and provide notice of the Producer's appointment at which time? -
✔✔at the producer's renewal date every two years.
✔✔Bonded Producers must post a bond of: - ✔✔at least $2,500 but not more than 5%
of the premiums brokered in the previous year.
✔✔An unlicensed person working in a Washington insurance office may: - ✔✔perform
bookkeeper duties
✔✔If an Insurer's proposed premium rates are too low, the Commissioner will: -
✔✔Reject the proposed rates
✔✔A foreign insurer is: - ✔✔is formed in another state within the U.S.
✔✔A Nonresident Producer may be licensed in Washington if: - ✔✔the producer's
home state has a reciprocal agreement providing similar status to WA producers.
✔✔An Insurer MAY deny personal insurance based on: - ✔✔the ratio of outstanding
debt to available credit.
✔✔The Insurance Commissioner may: - ✔✔issue cease and desist orders.
✔✔A Producer who converts to his own use funds received in a fiduciary capacity is
guilty of: - ✔✔larcenous theft
✔✔The Evil Insurance Company is selling policies in Washington at premiums lower
than those contained in its rate filing. The Commissioner may do which of the following?
- ✔✔Suspend Evil's Certificate of Authority until it once again charges the filed rates.
✔✔An Insurer may deny personal insurance based on an individual's credit history only
if: - ✔✔there are other substantive underwriting factors.
✔✔If the Commissioner is going to terminate an illegally issued policy, Washington law
requires the Commissioner to give how much advance written notice? - ✔✔none
✔✔Disability policies must be at least: - ✔✔guaranteed renewalble
✔✔Which type of Insurer doesn't sell stock and is operated for its members on a
nonprofit ritualistic lodge basis? - ✔✔fraternal
, ✔✔The Washington Insurance Commissioner is chosen by: - ✔✔voters
✔✔If the Insurer's actuary documents that there are bona fide statistical differences, an
Insurer can discriminate on the basis of each of the following EXCEPT: - ✔✔marital
status, sex, geographical location, NOT on race
✔✔Which of the following must designate the Commissioner to receive legal process in
the event of a lawsuit? - ✔✔nonresident producers
✔✔A policy, contract, or rider that is marketed, offered, or designed to provide coverage
for at least 12 consecutive months for a covered person is: - ✔✔Long-Term Care
Insurance
✔✔Which must maintain an office in this state? - ✔✔A licensed resident Property or
Casualty Producer
✔✔A Producer license is needed to: - ✔✔bind coverage
✔✔The Guaranty Association: - ✔✔protects Insureds if an insurer is unable to pay
claims
✔✔On August 1st, a Producer received written notice from the Commissioner that the
Producer's license is due to be renewed. What is the earliest date that that Producer
could be required to stop selling insurance (without license renewal)? - ✔✔The end of
the Producer's birth month.
✔✔An individual life insurer must pay interest: - ✔✔from the date of the insured's death.
At least 8% interest must be paid from the date of the Insured's death and an additional
3% beginning on the 91st day after the claim is filed.
✔✔The Commissioner may suspend or revoke a Producer's license for each of the
following: - ✔✔knowingly violating an insurance law, conviction of a felony,
demonstrating incompetence.
✔✔Which of the following is not required to become an authorized insurance company
in the State of Washington? - ✔✔a private air ambulance service.
✔✔To be licensed as a Nonresident Producer, a person: - ✔✔must be currently
licensed and in good standing in another state.
✔✔The Commissioner may fine a licensee up to what amount for violating a cease and
desist order and what amount for violating any other insurance law? - ✔✔$250 - $1,000
