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Connecticut life and health practice exam

Free life and health practice for the Connecticut producer exam: 273 general questions plus 18 Connecticut state law questions, each with an explanation.

Connecticut state law questions

Every Connecticut question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Connecticut insurance department and your exam's content outline.

Licensing and CE

4 questions

1. Under Connecticut law, what is the minimum age an individual must be for the Insurance Commissioner to approve a resident insurance producer license application?

  1. 16
  2. 18
  3. 19
  4. 21
Show answer
B. 18
CGS 38a-702e requires the commissioner to find that the applicant is at least eighteen years of age, among other requirements such as passing the examination for each line of authority.
Source: CGS 38a-702e (Application for resident license)

2. A Connecticut resident producer with Life and Accident and Health authority must complete how many continuing education credits each renewal period?

  1. 12 hours, including 1 hour of ethics
  2. 20 hours, including 2 hours of ethics
  3. 24 hours, including 3 hours in laws, regulations and ethics
  4. 30 hours, including 4 hours of ethics
Show answer
C. 24 hours, including 3 hours in laws, regulations and ethics
The Connecticut Insurance Department requires resident producers to complete 24 CE hours each compliance period, made up of 3 hours in laws, regulations and ethics and 21 hours of general education.
Source: Connecticut Insurance Department - Continuing Education (CE)

3. When does a Connecticut resident individual producer license expire?

  1. On the last day of the licensee's birth month
  2. On December 31 of each odd-numbered year
  3. On the anniversary of the date the license was first issued
  4. On June 30 of each even-numbered year
Show answer
A. On the last day of the licensee's birth month
The Connecticut Insurance Department states that an individual producer license expires on the last day of the licensee's birth month.
Source: Connecticut Insurance Department - Expiration Dates

4. A Connecticut resident producer's license expired more than one year ago. What must the producer do to become licensed again?

  1. Pay a late fee only
  2. Complete the CE requirement and pay double the renewal fee
  3. Request reinstatement from the appointing insurer
  4. Complete the pre-licensing education course and pass the exam, then reapply as a new licensee
Show answer
D. Complete the pre-licensing education course and pass the exam, then reapply as a new licensee
The Department allows late renewal for one year after expiration; after one year, residents must complete the pre-licensing course and pass the exam before reapplying.
Source: Connecticut Insurance Department - Producer Renewal

Producer Regulation

3 questions

1. A resident Connecticut producer moves to another state. Within how many days after the change of legal residence must the producer file a change of address and provide certification from the new resident state?

  1. 10 days
  2. 15 days
  3. 30 days
  4. 60 days
Show answer
C. 30 days
CGS 38a-702g(c) requires a producer who moves into or out of Connecticut to file a change of address and provide certification from the new resident state not later than thirty days after the change of legal residence.
Source: CGS 38a-702g (Nonresident licensing)

2. To appoint a producer as its agent in Connecticut, an insurer must file a notice of appointment within how many days after the agency contract is executed or the first insurance application is submitted?

  1. 15 days
  2. 30 days
  3. 45 days
  4. 60 days
Show answer
A. 15 days
CGS 38a-702m requires the appointing insurer to file a notice of appointment not later than fifteen days after the agency contract is executed or the first application is submitted.
Source: CGS 38a-702m (Appointments)

3. A Connecticut producer is the subject of a final administrative action in another state. Within how many days after final disposition must the producer report it to the Insurance Commissioner?

  1. 10 days
  2. 20 days
  3. 45 days
  4. 30 days
Show answer
D. 30 days
CGS 38a-702o(a) requires a producer to report any administrative action taken in another jurisdiction not later than thirty days after the final disposition of the matter.
Source: CGS 38a-702o (Reporting of actions)

Unfair Trade Practices

5 questions

1. Under the Connecticut Unfair Insurance Practices Act, what is the maximum monetary penalty the commissioner may order for a violation when the person did NOT know and should not reasonably have known of the violation?

  1. $1,000 per violation, up to $10,000 aggregate
  2. $5,000 per violation, up to $50,000 aggregate
  3. $10,000 per violation, up to $100,000 aggregate
  4. $25,000 per violation, up to $250,000 aggregate
Show answer
B. $5,000 per violation, up to $50,000 aggregate
CGS 38a-817(b) allows a penalty of not more than $5,000 per act or violation, not to exceed $50,000 in aggregate, unless the person knew or reasonably should have known of the violation.
Source: CGS 38a-817 (Unfair practices; hearing and penalties)

2. If a person knew or reasonably should have known that they were violating Connecticut's unfair insurance practices law, the commissioner may order a penalty of up to:

  1. $5,000 per violation, up to $50,000 in any six-month period
  2. $10,000 per violation, up to $100,000 in any twelve-month period
  3. $25,000 per violation, up to $250,000 in any six-month period
  4. $50,000 per violation, with no aggregate limit
Show answer
C. $25,000 per violation, up to $250,000 in any six-month period
CGS 38a-817(b) sets the penalty for knowing violations at not more than $25,000 per act or violation, not to exceed $250,000 in any six-month period.
Source: CGS 38a-817 (Unfair practices; hearing and penalties)

3. A producer makes an incomplete comparison of policy benefits to induce a client to let an existing life policy lapse so it can be replaced. Under CGS 38a-826, this practice (commonly called twisting) is punishable by:

  1. A fine of not more than $5,000, imprisonment of not more than 30 days, or both
  2. A written warning only
  3. A fine of not more than $500 with no possibility of imprisonment
  4. Automatic permanent revocation with no fine
Show answer
A. A fine of not more than $5,000, imprisonment of not more than 30 days, or both
CGS 38a-826 prohibits misrepresentations or incomplete comparisons made to induce a policyowner to lapse or surrender a policy for replacement, punishable by a fine of not more than $5,000, imprisonment of not more than 30 days, or both.
Source: CGS 38a-826 (Misrepresentation to induce lapse or surrender)

4. Under Connecticut law, a producer who offers to return part of the commission to a client as an inducement to buy a policy has engaged in:

  1. Twisting
  2. Defamation
  3. Rebating
  4. Boycott
Show answer
C. Rebating
CGS 38a-825 prohibits any producer or other person from paying or offering, as an inducement to insurance, any rebate of premium payable on the policy or any special favor or advantage in its benefits.
Source: CGS 38a-825 (Rebating)

5. Under CGS 38a-816, making false or fraudulent statements on an insurance application in order to obtain a commission or other benefit is defined as:

  1. Defamation
  2. Misrepresentation in insurance applications
  3. Unfair discrimination
  4. Failure to maintain complaint handling procedures
Show answer
B. Misrepresentation in insurance applications
CGS 38a-816(8) defines misrepresentation in insurance applications as making false or fraudulent statements on or relative to an application to obtain a fee, commission, money or other benefit.
Source: CGS 38a-816 (Unfair practices defined)

Health Policy Provisions

2 questions

1. Under Connecticut law, an insurer must pay a clean accident and health claim filed in PAPER format within how many days after receiving the proof of loss?

  1. 15 days
  2. 30 days
  3. 45 days
  4. 60 days
Show answer
D. 60 days
CGS 38a-816(15)(B) requires claims filed in paper format to be paid not later than sixty days after the insurer receives the proof of loss; electronic claims must be paid within twenty days.
Source: CGS 38a-816 (Unfair practices defined - claims payment)

2. If a Connecticut insurer fails to pay an accident and health claim within the required time period, it must pay the claim plus interest at what annual rate?

  1. 15 percent
  2. 5 percent
  3. 8 percent
  4. 12 percent
Show answer
A. 15 percent
CGS 38a-816(15)(A) requires an insurer that pays late to pay the amount of the claim plus interest at the rate of fifteen percent per annum.
Source: CGS 38a-816 (Unfair practices defined - claims payment)

Medicare Supplement

1 questions

1. How long does a Connecticut Medicare supplement policyholder have to return the policy for a premium refund if not satisfied for any reason?

  1. 10 days from delivery
  2. 20 days from delivery
  3. 30 days from delivery
  4. 45 days from delivery
Show answer
C. 30 days from delivery
Regs. Conn. State Agencies Sec. 38a-495a-13(a)(5) gives the policyholder the right to return the policy within thirty days of delivery and have the premium refunded.
Source: RCSA 38a-495a-13 (Medicare supplement disclosure provisions)

Replacement

2 questions

1. When a Connecticut producer takes an application that involves replacing an existing life policy, when must the producer present and read the replacement notice to the applicant?

  1. Within 30 days after the policy is delivered
  2. Not later than at the time of taking the application
  3. Only if the applicant requests it in writing
  4. At the end of the free look period
Show answer
B. Not later than at the time of taking the application
RCSA 38a-435-3 requires the producer to present and read the replacement notice to the applicant not later than at the time of taking the application, unless the applicant waives having it read aloud.
Source: RCSA 38a-435-3 (Duties of producers - replacement)

2. After receiving notice that its life policy is being replaced, the existing insurer in Connecticut must send the policy owner information about the existing policy, such as an in-force illustration or policy summary, within:

  1. 5 business days
  2. 10 business days
  3. 30 calendar days
  4. 60 calendar days
Show answer
A. 5 business days
RCSA 38a-435-6 requires the existing insurer to send the policy owner policy information within five business days after receiving notice that the policy is being replaced.
Source: RCSA 38a-435-6 (Duties of the existing insurer)

Guaranty Association

1 questions

1. According to the Connecticut Insurance Department, what is the Connecticut Life and Health Insurance Guaranty Association's limit for death benefits from life insurance policies on the same insured?

  1. $100,000
  2. $250,000
  3. $300,000
  4. $500,000
Show answer
D. $500,000
The Connecticut Insurance Department's guaranty association guide lists a limit of $500,000 for death benefits on the same insured, subject to an overall $500,000 aggregate per individual.
Source: Connecticut Insurance Department - Insurance Guaranty Associations in Connecticut

Keep studying

The general topics make up most of the exam.

General ConceptsLifePolicy TypesLifeProvisions, Options, and RidersLifeUnderwriting and DeliveryLifeAnnuitiesLifeTaxes, Retirement, and Business UsesLifeInsurance BasicsLifePlan Types and BasicsHealthUniform Mandatory ProvisionsHealthOptional ProvisionsHealthRenewabilityHealthDisability IncomeHealthMedical Expense and ContinuationHealthGroup Insurance and AD&DHealthMedicare, Medicaid, and LTCHealthFederal Health LawsHealth

Connecticut exam questions

How much of the Connecticut life and health exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Connecticut candidate handbook from your testing provider for the exact content outline.

What does the Connecticut state law section cover?

Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, producer regulation, unfair trade practices, health policy provisions, medicare supplement, replacement, guaranty association.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Connecticut state law questions.