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Life and Health Insurance Producer Exam

Long-term care (RI): 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 · Rhode Island

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

  1. Any misstatement about the insured's age or income
  2. Only on a showing the insured knowingly and intentionally misrepresented relevant health facts
  3. Any material misrepresentation on the application
  4. It may never be contested after 2 years for any reason
Show the answer

B. Only on a showing the insured knowingly and intentionally misrepresented relevant health facts — R.I. Gen. Laws 27-34.2-7.1(c).

Question 2 · Rhode Island

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

  1. A one-time course of at least 8 hours, plus 4 hours every 24 months
  2. 16 hours of long-term care training every year
  3. None beyond the regular continuing education hours, unless the insurer requires more
  4. A one-time 4-hour course, with no further training ever required
Show the answer

A. A one-time course of at least 8 hours, plus 4 hours every 24 months — R.I. Gen. Laws 27-34.2-21(a), (c), (e).

Question 3 · Rhode Island

Before an individual long-term care policy lapses for nonpayment, what notice must the insurer give the insured and any designee?

  1. No notice if the insured waived a designee
  2. 60 days, sent by certified mail before the due date
  3. 10 days, sent on the day after the premium due date
  4. At least 30 days, sent no sooner than 30 days after the premium is due and unpaid
Show the answer

D. At least 30 days, sent no sooner than 30 days after the premium is due and unpaid — R.I. Gen. Laws 27-34.2-12(a)(3).

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