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Life and Health Insurance Producer Exam

Seniors (CA): practice questions

Our Life & Health Insurance bank has 12 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · California

May an insurance ad aimed at California seniors use symbols that suggest a government or senior organization endorsement?

  1. No, that is prohibited as misleading
  2. Yes, as long as it is for Medicare products only
  3. Yes, if the ad is small
  4. Yes, with a disclaimer
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A. No, that is prohibited as misleading — This protects seniors from deceptive solicitation.

Question 2 · California

What free-look period applies to life and disability policies offered to Californians 65 or older?

  1. 30 days after receipt
  2. 10 days after receipt
  3. 3 days after receipt
  4. 90 days after receipt
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A. 30 days after receipt — Variable annuities may refund the account value instead of all premiums.

Question 3 · California

What must the written notice given before an in-home meeting with a California senior tell them?

  1. That they may have others present, such as family or an attorney, and may end the meeting at any time
  2. That the senior must sign before the agent leaves
  3. That the agent will stay until a decision is made
  4. That the meeting is required by law
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A. That they may have others present, such as family or an attorney, and may end the meeting at any time — The notice must also list who will attend and their license details.

Question 4 · California

When may an agent skip the 24-hour advance notice before meeting a California senior at home?

  1. When the senior is over 80, or when the agent has already met them once before
  2. When an existing client asks for a same-day meeting
  3. When the agent is in a hurry
  4. Never; 24 hours is always required
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B. When an existing client asks for a same-day meeting — The notice must still be given before the meeting starts. The notice must be in 14-point type.

Question 5 · California

What must an agent do if a California senior asks them to leave during an in-home meeting?

  1. Call the insurer for permission before leaving the home
  2. Leave after getting a signature
  3. End all discussion and leave immediately
  4. Finish the presentation first
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C. End all discussion and leave immediately — Every attendee must also give a business card with their license number.

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