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Life and Health Insurance Producer Exam

Long-term care (ND): 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 · North Dakota

How long does a North Dakota long-term care insurance applicant have to return the policy for a refund?

  1. Thirty days from delivery or from the effective date, whichever is later
  2. Ten days from delivery, as for other health policies
  3. Sixty days from the effective date only
  4. Twenty days from the date the application is signed
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A. Thirty days from delivery or from the effective date, whichever is later — N.D.C.C. 26.1-45-09(1).

Question 2 · North Dakota

After a North Dakota long-term care policy has been in force for two years, on what basis may it be contested?

  1. Only if the insured knowingly and intentionally misrepresented relevant health facts
  2. Any material misrepresentation, including statements about the insured's income and finances
  3. Any misrepresentation, material or not, on the application
  4. It may never be contested once it has been in force for one year
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A. Only if the insured knowingly and intentionally misrepresented relevant health facts — N.D.C.C. 26.1-45-05.1(3).

Question 3 · North Dakota

A North Dakota long-term care policy that conditions noninstitutional benefits on prior institutional care may not require a prior stay longer than:

  1. Three days in a hospital
  2. One year
  3. Ninety days in a nursing facility
  4. Thirty days
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D. Thirty days — N.D.C.C. 26.1-45-07(2)(b).

Question 4 · North Dakota

For a producer solicitation in North Dakota, when must the long-term care outline of coverage be delivered?

  1. After the first premium has been collected
  2. Before an application or enrollment form is presented
  3. Only if the applicant requests it in writing
  4. With the policy, within thirty days after approval
Show the answer

B. Before an application or enrollment form is presented — N.D.C.C. 26.1-45-09(2)(a)(2).

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