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Life and Health Insurance Producer Exam

Conduct (GA): practice questions

Our Life & Health Insurance bank has 6 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Georgia

Circulating a false or maliciously critical statement about an insurer's finances, meant to injure it, is which unfair practice?

  1. Unfair discrimination between insureds
  2. Boycott
  3. Defamation of an insurer
  4. Twisting
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C. Defamation of an insurer — O.C.G.A. 33-6-4(b)(3).

Question 2 · Georgia

Under Georgia's exception for promotions, prizes or gift cards given to current or prospective customers must not exceed what value?

  1. $500 per policy sold or renewed during the year
  2. Any value, if the gift is listed in the agent's filed rate plan
  3. $25 per gift, as long as one is given to each applicant
  4. $100 per customer in a calendar year, not tied to a sale
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D. $100 per customer in a calendar year, not tied to a sale — O.C.G.A. 33-6-4(b)(8)(C)(x).

Question 3 · Georgia

Which statement by an agent is a prohibited practice under O.C.G.A. 33-6-4(b)(12)?

  1. Explaining that Medicare Part B carries a monthly premium
  2. Telling a client that a Medicare supplement policy is guaranteed renewable under the rules
  3. Giving the client the Guide to Health Insurance for People with Medicare
  4. Claiming to be affiliated with Medicare or the Social Security Administration
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D. Claiming to be affiliated with Medicare or the Social Security Administration — O.C.G.A. 33-6-4(b)(12)(A).

Question 4 · Georgia

An agent misrepresents a client's existing policy to persuade the client to surrender it and buy a new one. What is this?

  1. A misrepresentation made to induce a policy lapse or surrender
  2. Defamation, if the existing policy is from a different insurer
  3. Lawful conservation, if the agent works for the existing insurer
  4. Allowed if the client signs a replacement notice afterward
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A. A misrepresentation made to induce a policy lapse or surrender — O.C.G.A. 33-6-4(b)(2).

Question 5 · Georgia

Before beginning a life insurance sales presentation, what must a Georgia agent tell the prospect?

  1. That the prospect may first consult a financial planner
  2. The commission percentage and any bonus the agent will earn on the policy
  3. That the agent is acting as a life insurance agent, and the insurer's full name
  4. The agent's license number and the date the license expires
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C. That the agent is acting as a life insurance agent, and the insurer's full name — Ga. Comp. R. & Regs. 120-2-31-.06(2).

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