Washington Laws and Rules Pertinent to Insurance Exam || Most
Recent Exam 2026|2027 Actual Complete Real Exam Questions And
Correct Answers (Verified Answers) Already Graded A+ | Guaranteed
Success! Newest Exam | Just Released!!
Under which circumstance may a deferred insurance commission be
paid to an individual? -ANSWER-Individual was a licensed producer at
the time of the sale
A ______ is the person who is responsible for payment for a health
maintenance organization (HMO). -ANSWER-Subscriber
To be classified as a small employer in Washington, an employer must
employ -ANSWER-1-50 employees
A producer license applicant must be at least ___ years of age. -
ANSWER-18
A type of policy that would help pay for uncovered Medicare claims is
called -ANSWER-Medicare Supplement
A person who is not a legal resident of Washington may be licensed to
act in this state as a(n) _____ insurance provider without taking a
written examination. -ANSWER-Nonresident
,After a disability policy has been in force for ___ year(s), it is considered
incontestable. -ANSWER-2
Twisting is -ANSWER-Replacing an insurance policy from one insurer to
another based on misrepresentation
Long-term care policies sold in Washington may NOT exclude coverage
for -ANSWER-Senile dementia
A policyholder's unmarried child is incapable of self support due to a
physical disability. The child is provided medical care coverage under
the parent's policy -ANSWER-Until policy termination with proof of
incapacity
What may be the result of replacing an existing life insurance policy
with a new one? -ANSWER-Surrender charge
When must a claim on a life insurance policy be paid after proof of loss
has been received by the insurer? -ANSWER-Promptly
Replacement regulation is designated to protect -ANSWER-
Policyowners from misrepresentations and loss of benefits
, Greg had recently been terminated from his job that covered him for
group life insurance. How long does he have to convert his coverage to
an individual policy? -ANSWER-31 days
An individual insurance producer who allows his or her license to expire
may, within ___ months from the expiration date, reinstate the same
license without passing a written exam. -ANSWER-12
If an insurer refuses to pay a claim, how many days must the insured
wait to take legal action against a health insurer after submitting
written proof of loss? -ANSWER-60
What enables applicants to compare different life insurance policies
and helps them choose which policy is best for their needs? -ANSWER-
Buyer's guide
In Washington, a Medicare Supplement policy must be ______
renewable. -ANSWER-Guaranteed
Maria the producer would like to advertise an annuity product on a
highway billboard. Which of the following must be included in the
advertisement? -ANSWER-Her name
How are health plans classified according to the Affordable Care Act? -
ANSWER-Bronze, Silver, Gold, Platinum
Recent Exam 2026|2027 Actual Complete Real Exam Questions And
Correct Answers (Verified Answers) Already Graded A+ | Guaranteed
Success! Newest Exam | Just Released!!
Under which circumstance may a deferred insurance commission be
paid to an individual? -ANSWER-Individual was a licensed producer at
the time of the sale
A ______ is the person who is responsible for payment for a health
maintenance organization (HMO). -ANSWER-Subscriber
To be classified as a small employer in Washington, an employer must
employ -ANSWER-1-50 employees
A producer license applicant must be at least ___ years of age. -
ANSWER-18
A type of policy that would help pay for uncovered Medicare claims is
called -ANSWER-Medicare Supplement
A person who is not a legal resident of Washington may be licensed to
act in this state as a(n) _____ insurance provider without taking a
written examination. -ANSWER-Nonresident
,After a disability policy has been in force for ___ year(s), it is considered
incontestable. -ANSWER-2
Twisting is -ANSWER-Replacing an insurance policy from one insurer to
another based on misrepresentation
Long-term care policies sold in Washington may NOT exclude coverage
for -ANSWER-Senile dementia
A policyholder's unmarried child is incapable of self support due to a
physical disability. The child is provided medical care coverage under
the parent's policy -ANSWER-Until policy termination with proof of
incapacity
What may be the result of replacing an existing life insurance policy
with a new one? -ANSWER-Surrender charge
When must a claim on a life insurance policy be paid after proof of loss
has been received by the insurer? -ANSWER-Promptly
Replacement regulation is designated to protect -ANSWER-
Policyowners from misrepresentations and loss of benefits
, Greg had recently been terminated from his job that covered him for
group life insurance. How long does he have to convert his coverage to
an individual policy? -ANSWER-31 days
An individual insurance producer who allows his or her license to expire
may, within ___ months from the expiration date, reinstate the same
license without passing a written exam. -ANSWER-12
If an insurer refuses to pay a claim, how many days must the insured
wait to take legal action against a health insurer after submitting
written proof of loss? -ANSWER-60
What enables applicants to compare different life insurance policies
and helps them choose which policy is best for their needs? -ANSWER-
Buyer's guide
In Washington, a Medicare Supplement policy must be ______
renewable. -ANSWER-Guaranteed
Maria the producer would like to advertise an annuity product on a
highway billboard. Which of the following must be included in the
advertisement? -ANSWER-Her name
How are health plans classified according to the Affordable Care Act? -
ANSWER-Bronze, Silver, Gold, Platinum
