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Life and Health Insurance Producer Exam

Long-term care (WA): practice questions

Our Life & Health Insurance bank has 3 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 · Washington

An individual long-term care policy may define a preexisting condition no more restrictively than one for which advice or treatment was recommended or received within how long before coverage took effect?

  1. Twelve months
  2. Two years
  3. Six months
  4. Three months
Show the answer

C. Six months — RCW 48.83.040(1).

Question 2 · Washington

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

  1. 20 days after the policy is approved
  2. 30 days after delivery
  3. Until the first claim is filed
  4. Ten days after it is delivered
Show the answer

B. 30 days after delivery — RCW 48.83.060(1).

Question 3 · Washington

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

  1. An LTC exam given by the testing vendor at each license renewal
  2. A one-time 4-hour course with no further LTC training required
  3. A one-time 8-hour course, then 4 hours of LTC CE every 24 months
  4. 16 hours of LTC classroom training every calendar year
Show the answer

C. A one-time 8-hour course, then 4 hours of LTC CE every 24 months — RCW 48.83.130(2)(a)-(b); WAC 284-17-264.

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