Kansas life and health practice exam

1. How many CE credits must a Kansas insurance agent obtain each biennium?

1. 24, including 3 hours of ethics
2. 12, including 1 hour of ethics
3. 18, including 3 hours of ethics
4. 18, with no ethics requirement

2. A Kansas producer with the appropriate CE credit may renew the license up to how long before the biennial renewal date?

1. 30 days
2. 90 days
3. 6 months
4. One year

3. If proof of CE is not received by a Kansas agent's biennial due date, the agent's licenses are:

1. Suspended automatically for 90 calendar days, with a $100 penalty per license
2. Revoked immediately
3. Placed on probation for one year with no penalty
4. Allowed to continue for a 30-day grace period

4. Before selling annuities in Kansas, a producer must complete an annuity suitability training course of:

1. 1 hour
2. 8 hours
3. 16 hours
4. 4 hours

5. A Kansas licensed agent who changes residence or mailing address must report it to the Commissioner within:

1. 10 days
2. 60 days
3. 30 calendar days
4. At the next renewal

6. For a violation of the Kansas producer licensing act that is not knowing, the Commissioner may impose a penalty of up to:

1. $500 per violation, not to exceed $2,500 for the same violation within six months
2. $1,000 per violation, not to exceed $5,000 within six months
3. $100 per violation with no cap
4. $10,000 per violation

7. If a Kansas agent knowingly violates the licensing act, the maximum penalty per violation is:

1. $500
2. $2,500
3. $1,000
4. $10,000

8. A person whose Kansas insurance agent license was revoked may not apply again for a license until after:

1. 90 days
2. One year
3. Five years
4. Two years

9. When a Kansas insurer appoints an agent, the appointment form must be sent to the Commissioner within:

1. 30 days of the appointment
2. 10 days of the appointment
3. 60 days of the appointment
4. Before the agent's first sale only

1. A Kansas individual life insurance policy must provide a grace period for premiums after the first of not less than:

1. 10 days
2. 31 days
3. 30 days
4. 60 days

2. A Kansas life insurance policy must become incontestable after it has been in force during the insured's lifetime for no more than:

1. One year from its date
2. Two years from its date
3. Three years from its date
4. Five years from its date

3. A Kansas life policy lapsed for nonpayment of premium may be reinstated, subject to the policy conditions, within:

1. Six months from default
2. One year from default
3. Five years from default
4. Three years from default

4. If a Kansas life policy states a fixed policy loan interest rate, that rate may not exceed:

1. 8% per year
2. 6% per year
3. 10% per year
4. 12% per year

1. Under Kansas uniform health policy provisions, the grace period for a policy with monthly premiums is at least:

1. 7 days
2. 31 days
3. 10 days
4. 30 days

2. Under Kansas uniform health policy provisions, written notice of a claim should be given to the insurer within:

1. 20 days after the loss occurs or begins
2. 10 days after the loss
3. 60 days after the loss
4. 90 days after the loss

3. Under Kansas uniform health policy provisions, no legal action on the policy may be brought after the expiration of:

1. Two years after proof of loss is required
2. Three years after proof of loss is required
3. Ten years after proof of loss is required
4. Five years after proof of loss is required

4. Kansas health coverage for a newborn begins at the moment of birth. If notice and premium are required, they must be furnished within:

1. 10 days after birth
2. 31 days after birth
3. 60 days after birth
4. 90 days after birth

1. In a Kansas life insurance replacement, the replacing insurer must notify each existing insurer within:

1. Three working days
2. Ten days
3. 30 days
4. Five business days after the policy is delivered

2. In a Kansas replacement, unless the new policy gives an unconditional refund of all premiums within 20 days after delivery, the replacing insurer must:

1. Pay a penalty to the existing insurer
2. Delay issuance of the policy for 20 days
3. Obtain the Commissioner's approval
4. Cancel the existing policy itself

3. A Kansas replacing insurer must keep replacement records for at least:

1. One year
2. Five years
3. Three years or until its next regular examination, whichever is later
4. Ten years