WASHINGTON LIFE HEALTH INSURANCE TEST PAPER
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔When an Insurer appoints a Producer, the Insurer must notify the Commissioner of
the appointment within: - ✔✔15 days
✔✔The Commissioner is LEAST LIKELY to have authority to examine the financial
records of which of the following? - ✔✔Policy Holders
✔✔Rebating includes each of the following: - ✔✔giving the applicant all of the
commission
giving an applicant a gift valued at over $100
giving the applicant part of the commission
✔✔Each of the following is true about the Producer's office: - ✔✔A full fee must be paid
for each additional office license.
Except for life or disability producers, all resident producers must maintain an office.
A separate license must be purchased for each place of business.
✔✔Molly has a $1 million life policy and a $500,000 Accidental Death and
Dismemberment policy.
She is injured in a serious motorcycle accident on January 1 and dies 7 months later
from the injuries. Her Insurer will pay a total of: - ✔✔$1,000,000
Although the death was triggered by an accident, the death did not occur within the
AD&D policy's 90 day limit.
✔✔Each of the following must be included in the premium receipt EXCEPT: - ✔✔a brief
description of the procedures for filing a claim.
✔✔Each of the following would be a valid Insurer explanation for terminating a policy: -
✔✔"The roof of your house is in such disrepair that it will leak every time it rains."
"You failed to pay the policy premium due last December 15."
"You have had 43 speeding tickets in the last six weeks."
✔✔Except for loans to make policy premium payments, a life insurer may defer an
Insured's request for a loan for a maximum of: - ✔✔6 months
✔✔An unlicensed person selling insurance in the State of Washington: - ✔✔Has
committed a felony
✔✔Jabin is an independent Producer representing a number of Insurers, including the
Mean Insurance Company. For no reason at all, Mean decides to terminate Jabin's
appointment. Mean is required to offer to renew any of the policies in Jabin's book of
business for 1 year. What does Washington law say about commissions on those
, renewed policies? - ✔✔Jabin is entitled to a commission on the renewed policies for 1
year.
✔✔A Producer may receive compensation directly from: - ✔✔the Insurer, the Insured,
or both
✔✔The Commissioner may order the immediate cancellation of a policy if: - ✔✔the
policy violates any WA law.
✔✔If an Insured's check is made payable to the Insurer, the funds: - ✔✔may be sent to
the insurer without first depositing the check in the premium trust account.
✔✔A Washington Producer has been given an issued policy. The Producer must deliver
the policy: - ✔✔Within a reasonable time.
✔✔Under Washington laws, the required chemical dependency coverage applies to: -
✔✔Both physiological and psychological dependency issues.
✔✔When determining the suitability of an annuity, the Producer should take into
account the applicant's: - ✔✔financial status
✔✔A couple insured by an HMO has a baby and notifies the Insurer within the required
60 days and pays the additional premium. The baby is covered: - ✔✔Retroactively to
the date of birth
✔✔If an Insurer cancels a dwelling policy, the refund of unearned premium is calculated
by which method? - ✔✔pro rata
✔✔If a Producer receives an excess fee paid by the Insured, the Producer must
disclose each of the following to the Insured: - ✔✔a. Whether the Producer may receive
any additional commission from the Insurer in the future.
b. The full amount of the fee paid by the Insured.
c. The full amount of any commission paid to the Producer by the Insurer.
✔✔How frequently may the Commissioner examine the records of an insurance
company? - ✔✔There is no statutory limitation, thus, as often as the Commissioner
deems appropriate.
✔✔In the event of a life insurance replacement, who notifies the Existing Insurer that a
replacement is being considered? - ✔✔The replacing insurer
✔✔The Commissioner may do each of the following: - ✔✔a. Fine Producers up to
$1,000
2026/2027 QUESTIONS AND SOLUTIONS RATED A+
✔✔When an Insurer appoints a Producer, the Insurer must notify the Commissioner of
the appointment within: - ✔✔15 days
✔✔The Commissioner is LEAST LIKELY to have authority to examine the financial
records of which of the following? - ✔✔Policy Holders
✔✔Rebating includes each of the following: - ✔✔giving the applicant all of the
commission
giving an applicant a gift valued at over $100
giving the applicant part of the commission
✔✔Each of the following is true about the Producer's office: - ✔✔A full fee must be paid
for each additional office license.
Except for life or disability producers, all resident producers must maintain an office.
A separate license must be purchased for each place of business.
✔✔Molly has a $1 million life policy and a $500,000 Accidental Death and
Dismemberment policy.
She is injured in a serious motorcycle accident on January 1 and dies 7 months later
from the injuries. Her Insurer will pay a total of: - ✔✔$1,000,000
Although the death was triggered by an accident, the death did not occur within the
AD&D policy's 90 day limit.
✔✔Each of the following must be included in the premium receipt EXCEPT: - ✔✔a brief
description of the procedures for filing a claim.
✔✔Each of the following would be a valid Insurer explanation for terminating a policy: -
✔✔"The roof of your house is in such disrepair that it will leak every time it rains."
"You failed to pay the policy premium due last December 15."
"You have had 43 speeding tickets in the last six weeks."
✔✔Except for loans to make policy premium payments, a life insurer may defer an
Insured's request for a loan for a maximum of: - ✔✔6 months
✔✔An unlicensed person selling insurance in the State of Washington: - ✔✔Has
committed a felony
✔✔Jabin is an independent Producer representing a number of Insurers, including the
Mean Insurance Company. For no reason at all, Mean decides to terminate Jabin's
appointment. Mean is required to offer to renew any of the policies in Jabin's book of
business for 1 year. What does Washington law say about commissions on those
, renewed policies? - ✔✔Jabin is entitled to a commission on the renewed policies for 1
year.
✔✔A Producer may receive compensation directly from: - ✔✔the Insurer, the Insured,
or both
✔✔The Commissioner may order the immediate cancellation of a policy if: - ✔✔the
policy violates any WA law.
✔✔If an Insured's check is made payable to the Insurer, the funds: - ✔✔may be sent to
the insurer without first depositing the check in the premium trust account.
✔✔A Washington Producer has been given an issued policy. The Producer must deliver
the policy: - ✔✔Within a reasonable time.
✔✔Under Washington laws, the required chemical dependency coverage applies to: -
✔✔Both physiological and psychological dependency issues.
✔✔When determining the suitability of an annuity, the Producer should take into
account the applicant's: - ✔✔financial status
✔✔A couple insured by an HMO has a baby and notifies the Insurer within the required
60 days and pays the additional premium. The baby is covered: - ✔✔Retroactively to
the date of birth
✔✔If an Insurer cancels a dwelling policy, the refund of unearned premium is calculated
by which method? - ✔✔pro rata
✔✔If a Producer receives an excess fee paid by the Insured, the Producer must
disclose each of the following to the Insured: - ✔✔a. Whether the Producer may receive
any additional commission from the Insurer in the future.
b. The full amount of the fee paid by the Insured.
c. The full amount of any commission paid to the Producer by the Insurer.
✔✔How frequently may the Commissioner examine the records of an insurance
company? - ✔✔There is no statutory limitation, thus, as often as the Commissioner
deems appropriate.
✔✔In the event of a life insurance replacement, who notifies the Existing Insurer that a
replacement is being considered? - ✔✔The replacing insurer
✔✔The Commissioner may do each of the following: - ✔✔a. Fine Producers up to
$1,000
