2026 WASHINGTON LIFE HEALTH STUDYS
CORRECT QUESTIONS AND ANSWERS SURE A+
✔✔According to the Affordable Care Act, what metal tier is required to have an actuarial
value of 70% with covered individuals paying 30% through deductibles, co pays and
other cost sharing features? - ✔✔Silver Plan
✔✔After a disability policy has been in force for _____ years. It is considered
incontestable. - ✔✔2
✔✔A domestic insurance company in Washington MUST - ✔✔Be formed under the
laws of Washington
✔✔All Medicare Supplement policies MUST contain which provision? - ✔✔Pre-Existing
conditions may be excluded from coverage for a maximum of 6 months.
✔✔Maria the producer would like to advertise an annuity product on a highway
billboard. Which of the following must be included in the advertisement? - ✔✔Her name
✔✔Inducement is BEST defined as - ✔✔offering to buy, sell, give, or allow a
prospective insured employment, stock, or special favors in exchange for an insurance
transaction.
, ✔✔An insurer is REQUIRED to offer which of the following to each long-term care
applicant at the time of purchase? - ✔✔Inflation protection.
✔✔Suitability is best described as - ✔✔Obtaining information from the applicant to
determine whether an insurance or annuity product is appropriate.
✔✔An outline of _________ is required for long-term care policies and provides a brief
description of the important features of the policy. - ✔✔Coverage
✔✔As classified by the Affordable Care Act (ACA), a silver plan offers - ✔✔70%
actuarial level of coverage provided.
✔✔Replacement can be BEST described as - ✔✔exchanging a new policy for one
already in force.
✔✔The Life and Disability Guaranty Association provides funds to carry out its powers
and duties by assessing - ✔✔Member Insurers
✔✔A producer's license may only be suspended or revoked if the producer - ✔✔has
been afforded a right to a hearing.
✔✔The Washington Life and Health ___________ Association is used to rehabilitate
insolvent insurers. - ✔✔Guaranty
✔✔A ___________ negotiates an insurance contract on behalf of an insurer. -
✔✔Producer
✔✔What may be the result of replacing an existing life insurance policy with a new one?
- ✔✔Surrender Charge
✔✔Medicaid is a government-funded program designed to provide health care to -
✔✔Poor People
✔✔Proof of loss on a health (disability) insurance claim must be submitted to an insurer
within ____ days after the insured's date of loss. - ✔✔90
✔✔When a producer is replacing an existing ordinary life insurance policy, the producer
must take all of the following actions EXCEPT - ✔✔obtaining the beneficiary's signature
on a summary of all policies to be replaced.
✔✔When must a claim on a life insurance policy be paid after proof of loss has been
received by the insurer? - ✔✔Promptly
CORRECT QUESTIONS AND ANSWERS SURE A+
✔✔According to the Affordable Care Act, what metal tier is required to have an actuarial
value of 70% with covered individuals paying 30% through deductibles, co pays and
other cost sharing features? - ✔✔Silver Plan
✔✔After a disability policy has been in force for _____ years. It is considered
incontestable. - ✔✔2
✔✔A domestic insurance company in Washington MUST - ✔✔Be formed under the
laws of Washington
✔✔All Medicare Supplement policies MUST contain which provision? - ✔✔Pre-Existing
conditions may be excluded from coverage for a maximum of 6 months.
✔✔Maria the producer would like to advertise an annuity product on a highway
billboard. Which of the following must be included in the advertisement? - ✔✔Her name
✔✔Inducement is BEST defined as - ✔✔offering to buy, sell, give, or allow a
prospective insured employment, stock, or special favors in exchange for an insurance
transaction.
, ✔✔An insurer is REQUIRED to offer which of the following to each long-term care
applicant at the time of purchase? - ✔✔Inflation protection.
✔✔Suitability is best described as - ✔✔Obtaining information from the applicant to
determine whether an insurance or annuity product is appropriate.
✔✔An outline of _________ is required for long-term care policies and provides a brief
description of the important features of the policy. - ✔✔Coverage
✔✔As classified by the Affordable Care Act (ACA), a silver plan offers - ✔✔70%
actuarial level of coverage provided.
✔✔Replacement can be BEST described as - ✔✔exchanging a new policy for one
already in force.
✔✔The Life and Disability Guaranty Association provides funds to carry out its powers
and duties by assessing - ✔✔Member Insurers
✔✔A producer's license may only be suspended or revoked if the producer - ✔✔has
been afforded a right to a hearing.
✔✔The Washington Life and Health ___________ Association is used to rehabilitate
insolvent insurers. - ✔✔Guaranty
✔✔A ___________ negotiates an insurance contract on behalf of an insurer. -
✔✔Producer
✔✔What may be the result of replacing an existing life insurance policy with a new one?
- ✔✔Surrender Charge
✔✔Medicaid is a government-funded program designed to provide health care to -
✔✔Poor People
✔✔Proof of loss on a health (disability) insurance claim must be submitted to an insurer
within ____ days after the insured's date of loss. - ✔✔90
✔✔When a producer is replacing an existing ordinary life insurance policy, the producer
must take all of the following actions EXCEPT - ✔✔obtaining the beneficiary's signature
on a summary of all policies to be replaced.
✔✔When must a claim on a life insurance policy be paid after proof of loss has been
received by the insurer? - ✔✔Promptly
