©BRIGHTSTARS 2025 ALL RIGHTS RESERVED 9:46 AM A+
Delaware Life Producer Exam Questions
And Answers |Latest 2025 | Guaranteed Pass
A(n) _ may also perform the duties of a consultant. - Answer✔producer
What is an example of a producer's implied authority? - Answer✔Collecting premiums
The Commissioner may suspend or revoke a producer's license for - Answer✔keeping
premiums owed to the insurer
An insurer is charged _ for submitting an application for a certificate of authority in Delaware. -
Answer✔$700
In Delaware, an insurer is prohibited from - Answer✔making a political contribution to any
candidate for the office of the Commissioner.
Which of the following is the reimbursement of benefits for the treatment of a beneficiary's
injuries caused by a third party? - Answer✔Subrogation
The clause is an Accident and Health policy which defines the benefit amounts the insurer will
pay is called the - Answer✔Insuring clause... it states the amount of benefits to be paid in an
Accident and Health policy
1
, ©BRIGHTSTARS 2025 ALL RIGHTS RESERVED 9:46 AM A+
Which of the following is NOT an example of a producer's breach of fiduciary duty? -
Answer✔allowing premiums to be submitted electronically
Which health policy clause stipulates that an insurance company must attach a copy of the
application to the policy to ensure that it is part of the contract? - Answer✔Entire Contract
What percentage of employees must participate in a noncontributory group life insurance plan?
- Answer✔100%
A licensee's business records must be maintained and made available for inspection by the
Commissioner for a period of - Answer✔3 years
When an existing life insurance policy is being reissued with a reduction in cash value, the
producer must sign the - Answer✔Notice Regarding Replacement of Life Insurance or Annuity
Which of the following statements about Credit Life insurance is true? - Answer✔A debtor may
use existing coverage already in force
Long-Term Care insurance provides custodial coverage in the event an insured cannot -
Answer✔perform activities of daily living
A producer must report a change in address to the Commissioner within - Answer✔30 days
E&O (Errors and Omissions) insurance protects a(n) - Answer✔producer against disgruntled
clients
To maintain continued coverage for a newborn under an accident and sickness policy, the policy
owner must provide notification of birth and payment of premium to the insurance company
within a MAXIMUM of how many days after birth? - Answer✔Thirty-one
2
, ©BRIGHTSTARS 2025 ALL RIGHTS RESERVED 9:46 AM A+
Market Conduct examinations include all of these areas EXCEPT - Answer✔producer contracts...
it does include underwriting, marketing tactics, and advertising
What is the basics of a producer's fiduciary responsibility? - Answer✔Collecting premiums and
paying them to the insurance company
What action by a producer can be considered rebating? - Answer✔Splitting commissions with a
policyholder who has purchased additional coverage
What is required for HIV testing of an applicant? - Answer✔The applicant's written consent
Ethics does NOT cover - Answer✔license fees... it does cover good moral standing, suitability,
and client's needs.
The Commissioner must give _ days written notice prior to holding a hearing regarding a
producer's violation of an unfair trade practice. - Answer✔20 days
When an insurance company sends a policy to the insured with an attached application, the
element that makes the application part of the contract between the insured and the insurer is
called the - Answer✔Entire Contract provision
Benefits from a Credit Life or Disability policy are paid to the - Answer✔Creditor
What statement regarding the Misstatement of Age provision is considered to be true? -
Answer✔Coverage will be adjusted to reflect the insured's true age if a misstatement of age is
discovered
What is the authority given to a producer to transact business on behalf of the insurer? -
Answer✔Appointment
3
Delaware Life Producer Exam Questions
And Answers |Latest 2025 | Guaranteed Pass
A(n) _ may also perform the duties of a consultant. - Answer✔producer
What is an example of a producer's implied authority? - Answer✔Collecting premiums
The Commissioner may suspend or revoke a producer's license for - Answer✔keeping
premiums owed to the insurer
An insurer is charged _ for submitting an application for a certificate of authority in Delaware. -
Answer✔$700
In Delaware, an insurer is prohibited from - Answer✔making a political contribution to any
candidate for the office of the Commissioner.
Which of the following is the reimbursement of benefits for the treatment of a beneficiary's
injuries caused by a third party? - Answer✔Subrogation
The clause is an Accident and Health policy which defines the benefit amounts the insurer will
pay is called the - Answer✔Insuring clause... it states the amount of benefits to be paid in an
Accident and Health policy
1
, ©BRIGHTSTARS 2025 ALL RIGHTS RESERVED 9:46 AM A+
Which of the following is NOT an example of a producer's breach of fiduciary duty? -
Answer✔allowing premiums to be submitted electronically
Which health policy clause stipulates that an insurance company must attach a copy of the
application to the policy to ensure that it is part of the contract? - Answer✔Entire Contract
What percentage of employees must participate in a noncontributory group life insurance plan?
- Answer✔100%
A licensee's business records must be maintained and made available for inspection by the
Commissioner for a period of - Answer✔3 years
When an existing life insurance policy is being reissued with a reduction in cash value, the
producer must sign the - Answer✔Notice Regarding Replacement of Life Insurance or Annuity
Which of the following statements about Credit Life insurance is true? - Answer✔A debtor may
use existing coverage already in force
Long-Term Care insurance provides custodial coverage in the event an insured cannot -
Answer✔perform activities of daily living
A producer must report a change in address to the Commissioner within - Answer✔30 days
E&O (Errors and Omissions) insurance protects a(n) - Answer✔producer against disgruntled
clients
To maintain continued coverage for a newborn under an accident and sickness policy, the policy
owner must provide notification of birth and payment of premium to the insurance company
within a MAXIMUM of how many days after birth? - Answer✔Thirty-one
2
, ©BRIGHTSTARS 2025 ALL RIGHTS RESERVED 9:46 AM A+
Market Conduct examinations include all of these areas EXCEPT - Answer✔producer contracts...
it does include underwriting, marketing tactics, and advertising
What is the basics of a producer's fiduciary responsibility? - Answer✔Collecting premiums and
paying them to the insurance company
What action by a producer can be considered rebating? - Answer✔Splitting commissions with a
policyholder who has purchased additional coverage
What is required for HIV testing of an applicant? - Answer✔The applicant's written consent
Ethics does NOT cover - Answer✔license fees... it does cover good moral standing, suitability,
and client's needs.
The Commissioner must give _ days written notice prior to holding a hearing regarding a
producer's violation of an unfair trade practice. - Answer✔20 days
When an insurance company sends a policy to the insured with an attached application, the
element that makes the application part of the contract between the insured and the insurer is
called the - Answer✔Entire Contract provision
Benefits from a Credit Life or Disability policy are paid to the - Answer✔Creditor
What statement regarding the Misstatement of Age provision is considered to be true? -
Answer✔Coverage will be adjusted to reflect the insured's true age if a misstatement of age is
discovered
What is the authority given to a producer to transact business on behalf of the insurer? -
Answer✔Appointment
3
