WASHINGTON LIFE HEALTH INSURANCE LATEST EXAM
ACTUAL 2026/2027 QUESTIONS AND SOLUTIONS RATED
A+
✔✔When an Insured dies the Insurer will owe interest on the death benefit. When does
the interest begin to accrue? - ✔✔when the Insured dies
✔✔Q has given a cash premium to a Producer. How long does the Producer have to
provide a signed premium receipt? - ✔✔1 business day
✔✔A Washington Insurer may discriminate against an applicant due to: - ✔✔bona fide
statistical differences in risk based on sex, marital status, mental handicap, or physical
handicap
✔✔Mr. Shakespeare recently died. Mrs. Shakespeare files a death claim with the group
life insurer. The insurer must pay the death claim within what time period after the claim
was submitted? - ✔✔30 days
✔✔Under Washington law, a Producer is required to respond to a Commissioner inquiry
within: - ✔✔15 days
✔✔The license of a Temporary Agent is effective for: - ✔✔Only 180 days
✔✔A local insurance firm has just terminated one of its most active Producers. The firm
must keep copies of the Producer's records for: - ✔✔5 years
✔✔The Premium Receipt must be delivered within 1 business day and must contain
each of the following EXCEPT - ✔✔the policies deductible, exclusions, & producer's
commission
✔✔A Washington Producer may hold a policy without delivering the policy to the
Insured when holding the policy: - ✔✔As a guardian...they may hold the policy if the
Producer has been named as the representative (guardian) for the incompetent Insured
or as the executor of the Insured's estate.
✔✔A Washington Disability policy with premiums paid on a monthly basis must provide
for a Grace Period of at least: - ✔✔10 days
✔✔An Insured notified the Insurer that the Insured wanted to cancel under the 10 Day
Free Look provision. The notice was given within 10 days of policy delivery. The Insurer
failed to return the premium for 62 days. How much of a penalty does the Insurer owe? -
✔✔10%
A 10% penalty is assessed if the premium is not refunded within 30 days.
, ✔✔Who must make a good faith effort to determine whether the insurance company is
authorized to transact business in Washington? - ✔✔The Producer
✔✔Which of the following would most likely have authority under Washington law to
make adjustments to the minimal amounts required to be refunded to the Insured under
a nonforfeiture provision? - ✔✔Insurance Commissioner
✔✔If a Washington Producer violates state law, the Commissioner may, after a hearing,
suspend the Producer's license for a maximum of: - ✔✔12 months
✔✔A group life policy will not have to pay interest on a death claim if the claim is paid
within: - ✔✔30 days
✔✔A Producer must complete the 8-hour Long Term Care course prior to: -
✔✔soliciting applicants for LTCi policies
✔✔A mutual Insurer is owned by: - ✔✔the mutual's policyholders
✔✔Which Insurer is a "participating" Insurer because it pays dividends to its members
who are policyholders? - ✔✔Mutual
✔✔An appointment letter gives the Producer expressed authority to: - ✔✔represent the
Insurer
✔✔Each of the following is an example of one of the three types of policy illustrations: -
✔✔Basic, In-Force, & Supplemental
✔✔A life policy illustration should include each of the following: - ✔✔Numbered Pages
A list of items that are NOT guaranteed
A statement regarding guaranteed items
✔✔Under Washington law, a health insurer must cover prescription drugs. The
coverage for prescription drugs: - ✔✔may be limited by the insurer.
✔✔As part of the Continuing Education requirements, Producers must complete: - ✔✔3
hours of ethics training every renewal period.
✔✔A Disability Insurer may terminate a policy even after the 2 year contestable period
due to: - ✔✔fraudulent statements
✔✔The Medicare Supplement free look provision is how long? - ✔✔30 days
ACTUAL 2026/2027 QUESTIONS AND SOLUTIONS RATED
A+
✔✔When an Insured dies the Insurer will owe interest on the death benefit. When does
the interest begin to accrue? - ✔✔when the Insured dies
✔✔Q has given a cash premium to a Producer. How long does the Producer have to
provide a signed premium receipt? - ✔✔1 business day
✔✔A Washington Insurer may discriminate against an applicant due to: - ✔✔bona fide
statistical differences in risk based on sex, marital status, mental handicap, or physical
handicap
✔✔Mr. Shakespeare recently died. Mrs. Shakespeare files a death claim with the group
life insurer. The insurer must pay the death claim within what time period after the claim
was submitted? - ✔✔30 days
✔✔Under Washington law, a Producer is required to respond to a Commissioner inquiry
within: - ✔✔15 days
✔✔The license of a Temporary Agent is effective for: - ✔✔Only 180 days
✔✔A local insurance firm has just terminated one of its most active Producers. The firm
must keep copies of the Producer's records for: - ✔✔5 years
✔✔The Premium Receipt must be delivered within 1 business day and must contain
each of the following EXCEPT - ✔✔the policies deductible, exclusions, & producer's
commission
✔✔A Washington Producer may hold a policy without delivering the policy to the
Insured when holding the policy: - ✔✔As a guardian...they may hold the policy if the
Producer has been named as the representative (guardian) for the incompetent Insured
or as the executor of the Insured's estate.
✔✔A Washington Disability policy with premiums paid on a monthly basis must provide
for a Grace Period of at least: - ✔✔10 days
✔✔An Insured notified the Insurer that the Insured wanted to cancel under the 10 Day
Free Look provision. The notice was given within 10 days of policy delivery. The Insurer
failed to return the premium for 62 days. How much of a penalty does the Insurer owe? -
✔✔10%
A 10% penalty is assessed if the premium is not refunded within 30 days.
, ✔✔Who must make a good faith effort to determine whether the insurance company is
authorized to transact business in Washington? - ✔✔The Producer
✔✔Which of the following would most likely have authority under Washington law to
make adjustments to the minimal amounts required to be refunded to the Insured under
a nonforfeiture provision? - ✔✔Insurance Commissioner
✔✔If a Washington Producer violates state law, the Commissioner may, after a hearing,
suspend the Producer's license for a maximum of: - ✔✔12 months
✔✔A group life policy will not have to pay interest on a death claim if the claim is paid
within: - ✔✔30 days
✔✔A Producer must complete the 8-hour Long Term Care course prior to: -
✔✔soliciting applicants for LTCi policies
✔✔A mutual Insurer is owned by: - ✔✔the mutual's policyholders
✔✔Which Insurer is a "participating" Insurer because it pays dividends to its members
who are policyholders? - ✔✔Mutual
✔✔An appointment letter gives the Producer expressed authority to: - ✔✔represent the
Insurer
✔✔Each of the following is an example of one of the three types of policy illustrations: -
✔✔Basic, In-Force, & Supplemental
✔✔A life policy illustration should include each of the following: - ✔✔Numbered Pages
A list of items that are NOT guaranteed
A statement regarding guaranteed items
✔✔Under Washington law, a health insurer must cover prescription drugs. The
coverage for prescription drugs: - ✔✔may be limited by the insurer.
✔✔As part of the Continuing Education requirements, Producers must complete: - ✔✔3
hours of ethics training every renewal period.
✔✔A Disability Insurer may terminate a policy even after the 2 year contestable period
due to: - ✔✔fraudulent statements
✔✔The Medicare Supplement free look provision is how long? - ✔✔30 days
