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Life and Health Insurance Producer Exam

Conduct (WA): practice questions

Our Life & Health Insurance bank has 5 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Washington

When may a producer use the existence of the Washington Life and Disability Insurance Guaranty Association to help sell a policy?

  1. Only in writing and with the association's approval
  2. Never; using it to induce a purchase is prohibited
  3. Whenever the insurer is rated A or better
  4. Only when selling annuities over $250,000
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B. Never; using it to induce a purchase is prohibited — RCW 48.30.075; RCW 48.32A.185(1).

Question 2 · Washington

A producer who, without being entitled to them, diverts premium funds held in a fiduciary capacity to personal use is guilty of:

  1. Commingling, a misdemeanor
  2. Theft under the criminal code
  3. Rebating under the insurance code
  4. Twisting, a civil violation only
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B. Theft under the criminal code — RCW 48.17.480(3)-(4).

Question 3 · Washington

Under Washington's rebating law, a promotional program may give prizes or merchandise to insureds and prospects if the value does not exceed:

  1. $300 per household in any calendar year
  2. $25 per person for each policy sold or renewed
  3. $100 per person in the aggregate in any 12-month period
  4. $40 per item, with no annual limit
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C. $100 per person in the aggregate in any 12-month period — RCW 48.30.140(4); RCW 48.30.150(1)(c).

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