2026 WASHINGTON LIFE HEALTH
COMPREHENSIVE QUESTIONS AND ANSWERS
SURE A+
✔✔The Commissioner has scheduled a hearing regarding the suspension of Q's
Producer license. Q prefers not to have the hearing with the Commissioner. Washington
law permits Q to request a hearing with: - ✔✔an administrative law judge
✔✔Every Insurer ad must state which of the following: - ✔✔the full name of the insurer
✔✔A Washington whole life policy must provide for policy loans at an interest rate no
greater than? - ✔✔8%
✔✔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
COMPREHENSIVE QUESTIONS AND ANSWERS
SURE A+
✔✔The Commissioner has scheduled a hearing regarding the suspension of Q's
Producer license. Q prefers not to have the hearing with the Commissioner. Washington
law permits Q to request a hearing with: - ✔✔an administrative law judge
✔✔Every Insurer ad must state which of the following: - ✔✔the full name of the insurer
✔✔A Washington whole life policy must provide for policy loans at an interest rate no
greater than? - ✔✔8%
✔✔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
