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Life and Health Insurance Producer Exam

Conduct (ID): 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 · Idaho

Under Idaho's rebating law, what aggregate value of goods or prizes may a producer give a policyholder or prospect in a calendar year?

  1. Not more than $50
  2. Not more than $25 per gift
  3. Not more than $200
  4. Nothing of any value
Show the answer

C. Not more than $200 — Idaho Code 41-1314(3).

Question 2 · Idaho

Concerted action to coerce or intimidate that tends to unreasonably restrain the insurance business is which violation in Idaho?

  1. Boycott, coercion and intimidation
  2. Unfair discrimination among insureds of the same class
  3. Twisting of existing policies
  4. Defamation of an insurer's finances
Show the answer

A. Boycott, coercion and intimidation — Idaho Code 41-1309.

Question 3 · Idaho

Idaho Code 41-1305 calls it "twisting" when a person does what?

  1. Spreads false statements about an insurer's finances
  2. Uses misrepresentations or incomplete comparisons to induce a policyholder to lapse, surrender or exchange a policy
  3. Charges more than the filed premium
  4. Refuses to cover a person because of a genetic test
Show the answer

B. Uses misrepresentations or incomplete comparisons to induce a policyholder to lapse, surrender or exchange a policy — Idaho Code 41-1305.

Question 4 · Idaho

Idaho prohibits discrimination in issuing disability insurance coverage or fixing its rates based on what?

  1. The applicant's occupation class and job hazards
  2. The applicant's age at the time the policy is issued
  3. A genetic test or private genetic information
  4. The applicant's smoking or tobacco use history
Show the answer

C. A genetic test or private genetic information — Idaho Code 41-1313(3).

Question 5 · Idaho

An Idaho producer borrows money from a client who is not a lender or an immediate family member. What does Idaho law require?

  1. The insurer's written approval
  2. A written loan agreement signed by all parties, each getting a copy
  3. That the loan be repaid within 30 days
  4. Nothing, if the loan is under $1,000
Show the answer

B. A written loan agreement signed by all parties, each getting a copy — Idaho Code 41-1325(1).

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