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Life and Health Insurance Producer Exam

Long-term care (NH): 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 · New Hampshire

In an agent solicitation, when must the agent give the long-term care outline of coverage?

  1. Within 10 days after the applicant has signed the application
  2. Before presenting an application or enrollment form
  3. Together with the policy itself, at the time the policy is delivered
  4. Only after the insurer has approved the application for coverage
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B. Before presenting an application or enrollment form — RSA 415-D:8, II.

Question 2 · New Hampshire

After a long-term care policy has been in force for 2 years, on what basis may the insurer still contest it?

  1. It may not be contested at all for any reason
  2. Any material misrepresentation on the application, even one made innocently
  3. Any misstatement related to the condition for which benefits are sought
  4. Only knowing and intentional misrepresentation of relevant facts about the insured's health
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D. Only knowing and intentional misrepresentation of relevant facts about the insured's health — RSA 415-D:9, III.

Question 3 · New Hampshire

Within how many days of delivery may a long-term care applicant return the policy for a full refund?

  1. 15 days from application
  2. 10 days
  3. 30 days
  4. 60 days
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C. 30 days — RSA 415-D:7.

Question 4 · New Hampshire

What is the most restrictive preexisting condition definition a New Hampshire long-term care policy may use?

  1. A condition first diagnosed during the first policy year
  2. Any condition the insured has ever been treated for
  3. Any condition diagnosed within the 2 years before the date the application was signed
  4. Advice or treatment recommended or received within 6 months before coverage
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D. Advice or treatment recommended or received within 6 months before coverage — RSA 415-D:5, III(a) (section amended by 2026, 142:1, eff. Aug. 11, 2026).

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