Utah life and health practice exam

1. How many CE credit hours must a Utah producer complete for each two-year licensing period?

1. 30 hours, including 3 hours of ethics
2. 24 hours, including 3 hours of ethics
3. 24 hours, with no ethics requirement
4. 36 hours, including 3 hours of ethics

2. Under Utah law, at least how much of a producer's required CE must be completed through classroom instruction?

1. At least half of the hours
2. One quarter of the hours
3. None of it
4. All of the hours

3. A Utah producer earns more CE hours than needed for renewal. What happens to the extra hours?

1. They carry over without limit
2. Only ethics hours carry over
3. Up to 12 hours carry over
4. They cannot be carried over to the next licensing period

4. Individual producer licenses in Utah renew:

1. Every year on January 1
2. Every three years on the date of issue
3. Every two years in the licensee's birth month
4. Every four years in the birth month

5. A Utah licensee who fails to renew before the expiration date may reinstate the license within what period after expiration?

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

6. A Utah licensee must notify the commissioner of a change of address, telephone number, or business email address within:

1. 30 days
2. 10 days
3. 60 days
4. 90 days

7. Under Utah's inducement law, a gift or meal is presumed to be a social courtesy if its fair market value per person does not exceed:

1. $10
2. $25
3. $50
4. $100

8. In Utah, a de minimis gift may be conditioned on the consumer receiving a quote only if its value does not exceed:

1. $50
2. $25
3. $10
4. $100

1. Utah requires a life insurance policy with monthly premiums to provide a grace period of at least:

1. 10 days
2. 31 days
3. 45 days
4. 60 days

2. In Utah, a life insurance policy becomes incontestable after it has been in force during the insured's lifetime for:

1. Two years from the date of issue
2. One year from the date of issue
3. Three years from the date of issue
4. Five years from the date of issue

3. A Utah life insurance policy or annuity that is not a replacement may be returned for a full refund within how many days after delivery?

1. 60 days
2. 20 days
3. 30 days
4. 10 days

1. When a Utah life policy or annuity replaces existing coverage, the free look period is:

1. 10 days after delivery
2. 20 days after delivery
3. 30 days after delivery
4. 45 days after delivery

1. Utah gives the holder of an individual accident and health policy the right to return it for any reason within:

1. 5 days after delivery
2. 10 days after delivery
3. 20 days after delivery
4. 31 days after delivery

2. For an individual accident and health policy with monthly premiums, Utah requires a grace period of at least:

1. 15 days
2. 10 days
3. 7 days
4. 31 days

3. In Utah, a Medicare supplement policy may be returned for a premium refund within:

1. 10 days of delivery
2. 15 days of delivery
3. 60 days of delivery
4. 30 days of delivery

4. Under Utah law, a long-term care policy may exclude a preexisting condition only if the loss or confinement begins within what period after coverage starts?

1. 30 days
2. 90 days
3. Six months
4. Two years

5. Under Utah law, where a specific premium is required to add a newborn child to health coverage, notice or payment must generally be made within how many days after birth?

1. 10 days
2. 30 days
3. 45 days
4. 60 days

6. In Utah, after an accident and health policy has been in effect for how long may an applicant's non-fraudulent statements about insurability no longer be used to void coverage or deny a claim?

1. One year
2. Five years
3. Three years
4. Two years

1. The Utah Life and Health Insurance Guaranty Association will pay no more than what aggregate amount in benefits for any one life?

1. $500,000
2. $300,000
3. $250,000
4. $1,000,000