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Life and Health Insurance Producer Exam

Policy provisions (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

If a New Hampshire life policy has a suicide exclusion, when does it stop applying?

  1. Never, if the insured was over 65 at issue
  2. After the second anniversary of the policy's effective date
  3. After the third policy anniversary
  4. After the first premium is paid
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B. After the second anniversary of the policy's effective date — RSA 408:13, VI.

Question 2 · New Hampshire

Under the uniform notice-of-claim provision, within how many days after a loss must written notice be given, or as soon as reasonably possible?

  1. 60 days after the loss
  2. 90 days
  3. 5 days
  4. 20 days
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D. 20 days — RSA 415:6, I(5).

Question 3 · New Hampshire

When group life coverage ends because employment ends, within what period must the person apply and pay the first premium to convert?

  1. 90 days
  2. 31 days after the termination
  3. 60 days
  4. 10 days
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B. 31 days after the termination — RSA 408:15, IV(a).

Question 4 · New Hampshire

After how long in force during the insured's lifetime must a New Hampshire life policy become incontestable?

  1. 3 years
  2. 2 years
  3. 1 year
  4. 6 months
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B. 2 years — RSA 408:13, IV.

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