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Life and Health Insurance Producer Exam

Conduct (ND): practice questions

Our Life & Health Insurance bank has 6 questions on this topic. Here are 4 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · North Dakota

Under North Dakota law, a producer who violates the life insurance rebating and inducement prohibitions of N.D.C.C. 26.1-04-05 is guilty of:

  1. A class A misdemeanor
  2. A class B felony, with mandatory license revocation
  3. No crime, only an administrative fine
  4. An infraction, with a maximum $100 fine
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A. A class A misdemeanor — N.D.C.C. 26.1-04-16.

Question 2 · North Dakota

Under North Dakota's Medicare supplement marketing rule, knowingly making a misleading or incomplete comparison of policies to induce someone to drop a policy and buy another is called:

  1. Cold lead advertising, or failing to reveal the sales purpose
  2. Unfair discrimination between individuals of the same class
  3. Twisting
  4. Coercion of a borrower to buy from a particular insurer
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C. Twisting — N.D. Admin. Code 45-06-01.1-17(2)(a).

Question 3 · North Dakota

A producer circulates a false statement maliciously critical of a competing insurer's financial condition, calculated to injure it. Under N.D.C.C. 26.1-04-03 this is:

  1. Boycott
  2. Misrepresentation
  3. Defamation
  4. Twisting
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C. Defamation — N.D.C.C. 26.1-04-03(3).

Question 4 · North Dakota

Before starting a life insurance sales presentation, what must a North Dakota agent tell the prospective purchaser?

  1. The amount of commission the agent will receive on the policy
  2. That the agent is acting as a life insurance agent, and the full name of the insurer represented
  3. The names of every other insurer the agent has been appointed by
  4. The agent's license number and the expiration date of the license
Show the answer

B. That the agent is acting as a life insurance agent, and the full name of the insurer represented — N.D. Admin. Code 45-04-01-05(2).

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