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Life and Health Insurance Producer Exam

Long-term care (LA): practice questions

Our Life & Health Insurance bank has 4 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 · Louisiana

What training must a Louisiana producer complete to sell long-term care insurance?

  1. A one-time course of at least 8 hours, then at least 4 hours every two years
  2. A one-time course of at least 16 hours, then at least 8 more hours of LTC training every year
  3. A one-time course of at least 4 hours, with no ongoing training required
  4. Only the insurer's product-specific training for each LTC policy sold
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A. A one-time course of at least 8 hours, then at least 4 hours every two years — La. R.S. 22:1575(A)(1), (3), (B)(1).

Question 2 · Louisiana

A Louisiana LTC policy has been in force for three years. On what basis may the insurer contest it?

  1. Only on proof the insured knowingly and intentionally misrepresented material health facts
  2. On no basis at all, because it is incontestable after the first policy year
  3. On any misrepresentation material to the acceptance of coverage, even if unintentional
  4. On a material misrepresentation that relates to the condition for which benefits are sought
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A. Only on proof the insured knowingly and intentionally misrepresented material health facts — La. R.S. 22:1187(C).

Question 3 · Louisiana

A Louisiana LTC policy conditions non-institutional benefits on a prior institutional stay. What is the longest stay it may require?

  1. 100 days
  2. 90 days
  3. 3 days
  4. 30 days
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D. 30 days — La. R.S. 22:1186(D)(2)(b).

Question 4 · Louisiana

How long does a Louisiana long-term care applicant have to return the policy, and how fast must the refund be made?

  1. 15 days after delivery; refund within 60 days of return
  2. 10 days after delivery; refund within 10 days of return
  3. 30 days after delivery; refund within 90 days of return
  4. 30 days after delivery; refund within 30 days of return
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D. 30 days after delivery; refund within 30 days of return — La. R.S. 22:1186(F).

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