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DISABILITY AND LIFE WASHINGTON
TEST QUESTIONS AND ANSWERS 2025
Insurance Commissioner - correct answer- Head of Office of
Insurance Commissioner, is in charge of company supervision,
consumer protection, and rates and forms.
-Elected on a 4 year term
-Pays 25k bond
-Must examine records at least every 5 years
Has Power to:
-Issue rules to carryout or enforce the state insurance code
-Hold investigations,
-Hold examinations to see if anyone has broken the code.
If commish has reason to believe someone has broken the
code, they can:
-Issue a cease and desist order
-sue to stop the person from continuing the action
-Do both
If Someone found guilty commish can:
-Suspend, revoke, or refuse to issue a license: Must give 15
day warning and hearing can be asked for. If hearing happens,
must give 10 day warning.
-Impose a civil penalty
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If someone doesnt have a license they can pay up to a 25k fine
per infraction
Filing Rates and Forms - correct answer- -Must be filed at least
30 days before use
-If not rejected automatically approved after 30 days
-Commish can extend approval period by 15 days
-Premiums have to be approved too
Penalties for breaking insurance code - correct answer- -It is a
misdemeanor
-Fine of $10-$1000 must be paid 15 to 30 days after given
-Imprisonment for up to 364 days
-both
-Any other appropriate penalty
An Insurer is: - correct answer- -Insurance Company
-Fraternal Benefit Society
-Certified Health Plan
-Health Maintanence Org.
-Health Care Service contractor
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Not Insurance - correct answer- -Travel or auto services (like
AAA)
-Private air ambulance
-Travel emergency service
"Insurance License" is called - correct answer- -Certificate of
Authority
Insurance Gauranty Association - correct answer- -Protects
insureds for 500k for: Life, medical, disability, annuity
-100k to gvt retirement benefit plan
-Can not be advertised
-Happens if insurer is not solvent
Temporary License - correct answer- -Can be granted for 180
days
-To surviving spouse or court appointed beneficiary for purpose
of sale of business
-To member of business if owner dies
-To person who will take over business while employee is on
active duty for military
-To serve the public interest
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Nonresident Producer License - correct answer- -Currently
Licensed as a producer in their home state
-Fulfilled application requirements and paid fees
-The applicants home state will also grant nonresident licenses
on the same basis
Exceptions to those who need licenses: - correct answer- -
Officer, director, etc... of an insurance company who doesn't get
commission
-Someone who just enrolls individuals with plans without getting
commission
Persons Exempt from Taking Exam: - correct answer- -Persons
who seek a license only to transact limited lines (surety, limited
line credit, and travel insurance)
-Persons who seek a license only to transact -Specialty lines
(communications equipment or services, rental car, or self-
service storage)
-Persons applying for an adjuster's license who, for at least one
year before the application, have been fully employed by an
insurer to adjust, investigate, or report insurance claims
-Persons applying for a nonresident adjuster's license who are
licensed in another state and qualified for a similar license in
Washington
DISABILITY AND LIFE WASHINGTON
TEST QUESTIONS AND ANSWERS 2025
Insurance Commissioner - correct answer- Head of Office of
Insurance Commissioner, is in charge of company supervision,
consumer protection, and rates and forms.
-Elected on a 4 year term
-Pays 25k bond
-Must examine records at least every 5 years
Has Power to:
-Issue rules to carryout or enforce the state insurance code
-Hold investigations,
-Hold examinations to see if anyone has broken the code.
If commish has reason to believe someone has broken the
code, they can:
-Issue a cease and desist order
-sue to stop the person from continuing the action
-Do both
If Someone found guilty commish can:
-Suspend, revoke, or refuse to issue a license: Must give 15
day warning and hearing can be asked for. If hearing happens,
must give 10 day warning.
-Impose a civil penalty
,2 | Page
If someone doesnt have a license they can pay up to a 25k fine
per infraction
Filing Rates and Forms - correct answer- -Must be filed at least
30 days before use
-If not rejected automatically approved after 30 days
-Commish can extend approval period by 15 days
-Premiums have to be approved too
Penalties for breaking insurance code - correct answer- -It is a
misdemeanor
-Fine of $10-$1000 must be paid 15 to 30 days after given
-Imprisonment for up to 364 days
-both
-Any other appropriate penalty
An Insurer is: - correct answer- -Insurance Company
-Fraternal Benefit Society
-Certified Health Plan
-Health Maintanence Org.
-Health Care Service contractor
,3 | Page
Not Insurance - correct answer- -Travel or auto services (like
AAA)
-Private air ambulance
-Travel emergency service
"Insurance License" is called - correct answer- -Certificate of
Authority
Insurance Gauranty Association - correct answer- -Protects
insureds for 500k for: Life, medical, disability, annuity
-100k to gvt retirement benefit plan
-Can not be advertised
-Happens if insurer is not solvent
Temporary License - correct answer- -Can be granted for 180
days
-To surviving spouse or court appointed beneficiary for purpose
of sale of business
-To member of business if owner dies
-To person who will take over business while employee is on
active duty for military
-To serve the public interest
, 4 | Page
Nonresident Producer License - correct answer- -Currently
Licensed as a producer in their home state
-Fulfilled application requirements and paid fees
-The applicants home state will also grant nonresident licenses
on the same basis
Exceptions to those who need licenses: - correct answer- -
Officer, director, etc... of an insurance company who doesn't get
commission
-Someone who just enrolls individuals with plans without getting
commission
Persons Exempt from Taking Exam: - correct answer- -Persons
who seek a license only to transact limited lines (surety, limited
line credit, and travel insurance)
-Persons who seek a license only to transact -Specialty lines
(communications equipment or services, rental car, or self-
service storage)
-Persons applying for an adjuster's license who, for at least one
year before the application, have been fully employed by an
insurer to adjust, investigate, or report insurance claims
-Persons applying for a nonresident adjuster's license who are
licensed in another state and qualified for a similar license in
Washington
