2026 INDIANA LIFE HEALTH ACTUAL SCRIPT
EXAM QUESTIONS AND ANSWERS SURE A+
✔✔Indiana unfair practice - Twisting - ✔✔Using misleading comparisons to make a
person replace one policy with another.
✔✔Indiana unfair practice - Rebating - ✔✔Giving an unapproved item or value to
persuade someone to buy insurance.
✔✔Indiana unfair practice - Misrepresentation - ✔✔Giving false or misleading
information about a policy or insurer.
✔✔Indiana unfair practice - False advertising - ✔✔Publishing untrue or misleading
insurance information.
✔✔Indiana unfair practice - Defamation - ✔✔Making false statements that harm another
insurer or person.
✔✔Indiana unfair practice - Boycott, coercion, intimidation - ✔✔Using pressure or
threats to control insurance business.
✔✔Indiana unfair practice - Unfair discrimination - ✔✔Treating similar risks differently
without a lawful insurance reason.
, ✔✔Indiana unfair practice - Sharing with unlicensed person - ✔✔Paying commissions
for insurance activity to someone not properly licensed.
✔✔Indiana life rule - Backdating - ✔✔A life policy cannot be made effective more than 6
months before the original application.
✔✔Indiana life rule - Free look - ✔✔10 days after the policy is received for a full refund.
✔✔Indiana life rule - Grace period - ✔✔At least 30 days after the first premium.
✔✔Indiana life rule - Payment of claims - ✔✔Life proceeds are generally due within 60
days after required proof is received.
✔✔Indiana life rule - Incontestability - ✔✔Usually 2 years, subject to policy and law.
✔✔Indiana life rule - Interest on proceeds - ✔✔Interest is owed if a covered cash
obligation is not paid within 30 days after the event or scheduled payment date.
✔✔Indiana life rule - Policy loan interest - ✔✔The policy must state how interest is
charged. Rates may be fixed or adjustable under Indiana law.
✔✔Indiana life rule - Accelerated death benefits - ✔✔The insurer must explain how
early payment reduces the death benefit, cash value, and other benefits.
✔✔Indiana long-term care rule - Free look - ✔✔30 days
✔✔Indiana long-term care rule - Minimum benefit period - ✔✔At least 12 months for a
long-term care policy under common exam rules.
✔✔Indiana long-term care rule - Preexisting condition look-back / exclusion - ✔✔May
not be defined or excluded more restrictively than state law; 6 months is a common
maximum exam period.
✔✔Indiana long-term care rule - Renewability - ✔✔At least guaranteed renewable.
✔✔Indiana long-term care rule - Prior hospital stay - ✔✔Cannot be required as a
condition for long-term care benefits.
✔✔Indiana long-term care rule - Inflation protection - ✔✔Must be offered.
✔✔Indiana long-term care rule - Unintentional lapse protection - ✔✔The applicant may
name another person to receive lapse notices.
EXAM QUESTIONS AND ANSWERS SURE A+
✔✔Indiana unfair practice - Twisting - ✔✔Using misleading comparisons to make a
person replace one policy with another.
✔✔Indiana unfair practice - Rebating - ✔✔Giving an unapproved item or value to
persuade someone to buy insurance.
✔✔Indiana unfair practice - Misrepresentation - ✔✔Giving false or misleading
information about a policy or insurer.
✔✔Indiana unfair practice - False advertising - ✔✔Publishing untrue or misleading
insurance information.
✔✔Indiana unfair practice - Defamation - ✔✔Making false statements that harm another
insurer or person.
✔✔Indiana unfair practice - Boycott, coercion, intimidation - ✔✔Using pressure or
threats to control insurance business.
✔✔Indiana unfair practice - Unfair discrimination - ✔✔Treating similar risks differently
without a lawful insurance reason.
, ✔✔Indiana unfair practice - Sharing with unlicensed person - ✔✔Paying commissions
for insurance activity to someone not properly licensed.
✔✔Indiana life rule - Backdating - ✔✔A life policy cannot be made effective more than 6
months before the original application.
✔✔Indiana life rule - Free look - ✔✔10 days after the policy is received for a full refund.
✔✔Indiana life rule - Grace period - ✔✔At least 30 days after the first premium.
✔✔Indiana life rule - Payment of claims - ✔✔Life proceeds are generally due within 60
days after required proof is received.
✔✔Indiana life rule - Incontestability - ✔✔Usually 2 years, subject to policy and law.
✔✔Indiana life rule - Interest on proceeds - ✔✔Interest is owed if a covered cash
obligation is not paid within 30 days after the event or scheduled payment date.
✔✔Indiana life rule - Policy loan interest - ✔✔The policy must state how interest is
charged. Rates may be fixed or adjustable under Indiana law.
✔✔Indiana life rule - Accelerated death benefits - ✔✔The insurer must explain how
early payment reduces the death benefit, cash value, and other benefits.
✔✔Indiana long-term care rule - Free look - ✔✔30 days
✔✔Indiana long-term care rule - Minimum benefit period - ✔✔At least 12 months for a
long-term care policy under common exam rules.
✔✔Indiana long-term care rule - Preexisting condition look-back / exclusion - ✔✔May
not be defined or excluded more restrictively than state law; 6 months is a common
maximum exam period.
✔✔Indiana long-term care rule - Renewability - ✔✔At least guaranteed renewable.
✔✔Indiana long-term care rule - Prior hospital stay - ✔✔Cannot be required as a
condition for long-term care benefits.
✔✔Indiana long-term care rule - Inflation protection - ✔✔Must be offered.
✔✔Indiana long-term care rule - Unintentional lapse protection - ✔✔The applicant may
name another person to receive lapse notices.
