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Life and Health Insurance Producer Exam

Long-term care (WI): 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 · Wisconsin

Before a Wisconsin long-term care policy may lapse for nonpayment of premium, what notice is required?

  1. At least 10 days' notice to the insured, with no notice to anyone else
  2. Notice within 5 days after the lapse, sent only to the person the insured designated
  3. At least 60 days' notice to the insured's physician or care facility
  4. At least 30 days' notice to the insured and any person the insured designated
Show the answer

D. At least 30 days' notice to the insured and any person the insured designated — Wis. Admin. Code Ins 3.46(15)(e).

Question 2 · Wisconsin

What training must a Wisconsin intermediary complete to sell long-term care insurance?

  1. 8 hours initially, then a 4-hour course every 24 months
  2. 16 hours initially, then 8 hours every 12 months
  3. 8 hours initially, with no ongoing training required
  4. 4 hours initially, then 2 hours every 36 months
Show the answer

A. 8 hours initially, then a 4-hour course every 24 months — Wis. Stat. 628.348(1); Wis. Admin. Code Ins 3.46(26)(a)1.

Question 3 · Wisconsin

A Wisconsin long-term care policy has been in force more than 2 years. To rescind it, what must the insurer show?

  1. That the misstatement relates to the condition for which benefits are claimed
  2. That any misstatement at all was found during a routine claim review
  3. The insured knowingly and intentionally misrepresented relevant health facts
  4. Only that the misstatement was material to acceptance for coverage
Show the answer

C. The insured knowingly and intentionally misrepresented relevant health facts — Wis. Admin. Code Ins 3.46(20)(c).

Question 4 · Wisconsin

A Wisconsin insurer must obtain a physical exam, functional assessment, physician's statement, or medical records before issuing long-term care coverage to an applicant of what age?

  1. Age 75 or older
  2. Age 80 or older, or younger if disabled
  3. Age 65 or older
  4. Age 70 and up
Show the answer

A. Age 75 or older — Wis. Admin. Code Ins 3.46(10)(a).

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