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Life and Health Insurance Producer Exam

Licensing (ND): practice questions

Our Life & Health Insurance bank has 15 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 · North Dakota

Which conduct is listed as a ground for suspending or revoking a North Dakota producer license?

  1. Declining to sell a policy to a prospect the producer considers unsuitable
  2. Holding licenses as a nonresident producer in more than three other states
  3. Refusing to respond within twenty days to the Commissioner's written request for information about a possible violation
  4. Writing more than half of a year's business with one insurer
Show the answer

C. Refusing to respond within twenty days to the Commissioner's written request for information about a possible violation — N.D.C.C. 26.1-26-42(14).

Question 2 · North Dakota

In North Dakota, a producer may charge a fee for services on certain accounts if conditions are met. On which kind of account may such a fee NOT be charged?

  1. Commercial property accounts after written disclosure
  2. Business accounts where the client signs a fee agreement
  3. Personal lines, such as personal life and health insurance
  4. Large commercial risks placed with nonadmitted surplus lines carriers
Show the answer

C. Personal lines, such as personal life and health insurance — N.D.C.C. 26.1-26-04.1(1)(a).

Question 3 · North Dakota

Which North Dakota resident producer applicant is NOT required to complete a new criminal history record check?

  1. Any applicant who already holds a license as a real estate salesperson issued by this state
  2. Any applicant who passed the state licensing examination within the preceding two years
  3. One whose ND license was revoked but who reapplies within six months of the revocation order
  4. One reapplying within twelve months after a valid ND resident license expired, if it was not suspended or revoked
Show the answer

D. One reapplying within twelve months after a valid ND resident license expired, if it was not suspended or revoked — N.D.C.C. 26.1-26-13.3(2).

Question 4 · North Dakota

Under North Dakota law, a person who willfully acts as an insurance producer without the required license is guilty of what offense?

  1. A class C felony
  2. No offense, although the person may be fined civilly
  3. A noncriminal infraction handled by the Commissioner
  4. A class B misdemeanor punishable by a fine only
Show the answer

A. A class C felony — N.D.C.C. 26.1-26-03.

Question 5 · North Dakota

From whom may a North Dakota producer accept a loan without the Commissioner's prior written approval?

  1. A financial institution or an immediate family member
  2. A client the producer sold a policy to more than two years ago
  3. Any client, provided the loan is put in writing and notarized
  4. Any person met through insurance business, if interest is charged
Show the answer

A. A financial institution or an immediate family member — N.D. Admin. Code 45-02-02-14.1.

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