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Free New Hampshire Producer's Accident & Health Insurance Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the New Hampshire Producer's Accident & Health Insurance practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A New Hampshire resident is applying for an individual accident and health producer license and has no statutory exemption. Which licensing route applies?

    1. A. Pass the written producer examination
    2. B. Apply through nonresident-license reciprocity
    3. C. Request a temporary producer license
    4. D. Claim the same-line former-license examination exemption

    Answer: A

    Explanation: RSA 402-J:5, I states, "A resident individual applying for an insurance producer license shall pass a written examination unless exempt pursuant to RSA 402-J:9." The applicant therefore must pass the written examination.

    Reference: Section 402-J:5 Application for Examination. — Section 402-J:5

  2. 2A health insurer raises an applicant's premium after relying partly on a consumer report. What must it provide under the Fair Credit Reporting Act?

    1. A. Notify the reporting agency that the insurer raised the applicant's rate.
    2. B. Certify the permissible underwriting purpose to the reporting agency.
    3. C. Provide a copy of the consumer report before the insurance decision.
    4. D. Give the applicant an adverse-action notice based on the consumer report.

    Answer: D

    Explanation: The FTC states that "Section 615(a) of the FCRA requires you to provide a notice of the adverse action to the consumer." The report contributed to the higher rate, so the applicant receives the adverse-action notice. Permissible-purpose certification, report-copy procedures in other contexts, and agency notification do not replace this consumer notice.

    Reference: FTC, Consumer Reports: What Insurers Need to Know — FCRA, Adverse Action Notice

  3. 3A clinic's unsecured walkway makes falls more likely; a fall then injures a patient. In insurance terminology, what are the walkway condition and the fall, respectively?

    1. A. A peril and then a hazard.
    2. B. A hazard and then a peril.
    3. C. A loss and then an exposure.
    4. D. An exposure and then a loss.

    Answer: B

    Explanation: NAIC defines a hazard as a "circumstance which tends to increase the probability or severity of a loss" and a peril as "the cause of property damage or personal injury". The walkway raises the chance of injury; the fall causes it. The other pairs reverse those roles or replace them with exposure and loss.

    Reference: NAIC Glossary of Insurance Terms — Glossary, Hazard

  4. 4A carrier finds an inconsistency between an applicant's disclosure and the applicant's MIB consumer file. What is the appropriate underwriting use of the MIB information?

    1. A. Ask the applicant for clarification, then rate or decline solely on the MIB entry.
    2. B. Ask the applicant for clarification, then investigate the discrepancy further.
    3. C. Ask the producer for a report, then substitute its conclusion for the application.
    4. D. Ask MIB for another file, then treat an unchanged entry as a diagnosis.

    Answer: B

    Explanation: MIB says a carrier will "cross check the information you provide on your application against any information in your MIB Consumer File" and that carriers "are not enabled to make underwriting decisions based on your MIB Consumer File without further investigation." Clarification can begin that investigation, but neither the file alone nor an uncorroborated substitute resolves the discrepancy.

    Reference: MIB, Request Your MIB Consumer File — What is an MIB Consumer File

  5. 5A New Hampshire individual health policy has been in force for more than two years. A later disability begins, and the insurer finds a nonfraudulent misstatement in the original application. Under the required time-limit provision, may the insurer use that statement to deny the later disability claim?

    1. A. Yes, any application misstatement permits denial whenever discovered.
    2. B. Yes, but only when the omission concerned prior medical treatment.
    3. C. No, because the later loss began after two years and the statement was not fraudulent.
    4. D. No, because all application statements become irrelevant immediately after issue.

    Answer: C

    Explanation: RSA 415:6 states, "After 2 years from the date of issue of this policy no misstatements, except fraudulent misstatements" may be used to void the policy or deny a claim for a later loss. The two-year timing and fraud exception control this case. The other answers disregard one of those conditions.

    Reference: New Hampshire RSA 415:6, Accident and Sickness Policy Provisions — RSA 415:6, I(2)(a), Time Limit on Certain Defenses

  6. 6A group disability producer compares NAIC's short-term and long-term income categories. What maximum benefit period separates the two categories for group coverage?

    1. A. Six months.
    2. B. One year.
    3. C. Two years.
    4. D. Five years.

    Answer: B

    Explanation: NAIC describes group long-term disability benefits as lasting "more than one year for group coverage" and group short-term benefits as lasting "up to one year for group coverage". Thus one year is the category boundary; the other periods are different benefit durations, not this boundary.

    Reference: NAIC Glossary of Insurance Terms — Glossary, Disability Income - Long-Term

  7. 7A member of a preferred provider organization chooses a physician outside the preferred network. Which coverage pattern is typical of the PPO described by NAIC?

    1. A. Cover the out-of-network visit only after a primary-care referral.
    2. B. Cover the out-of-network visit only if it qualifies as emergency care.
    3. C. Cover the out-of-network visit at the same member cost as in-network care.
    4. D. Cover the out-of-network visit, generally with higher member cost than in-network care.

    Answer: D

    Explanation: NAIC says, "PPO plans provide coverage for innetwork, as well as out-of-network providers at an additional cost." The other options describe competing network rules, including emergency-only or referral requirements, rather than this PPO's generally higher out-of-network cost.

    Reference: NAIC Consumer Guide to Using Your Health Plan — Different Kinds of Health Plans, PPO

  8. 8Under RSA 415:18, a New Hampshire insurer issues a group accident and health policy to an employer. Which document must the insurer issue for delivery to each insured member as a summary of essential coverage and benefit payees?

    1. A. A group policy endorsement.
    2. B. The employer's group master policy.
    3. C. An individual certificate of coverage.
    4. D. The member's signed application.

    Answer: C

    Explanation: RSA 415:18 requires "an individual certificate setting forth in summary form a statement of the essential features of the insurance coverage" and identifying benefit payees. The master policy, endorsement, and application are real group-insurance documents with different functions.

    Reference: New Hampshire RSA 415:18, General Group or Blanket Policy Provisions — RSA 415:18, I(f), group certificate

  9. 9A Medicare beneficiary is admitted for covered inpatient hospital care. Which part of Original Medicare principally addresses that inpatient service?

    1. A. Part A hospital insurance.
    2. B. Part B medical insurance.
    3. C. Part C Medicare Advantage.
    4. D. Part D drug coverage.

    Answer: A

    Explanation: Medicare.gov states, "Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care." Part B addresses medical and outpatient services, Part C is an alternative delivery arrangement, and Part D addresses prescription drugs.

    Reference: Medicare.gov, Parts of Medicare — Part A (Hospital Insurance)

  10. 10An employer pays premiums for an employee's accident and health coverage. How are the employer's qualifying plan contributions generally treated in the employee's federal wages?

    1. A. Exclude the qualifying employer premium contribution from the employee's wages.
    2. B. Include the employer premium contribution in wages when the insurer bills it.
    3. C. Include the contribution in wages only when the employee submits a medical claim.
    4. D. Exclude only the employee-paid share but include the employer-paid premium.

    Answer: A

    Explanation: IRS Publication 15-B says, "This exclusion applies to contributions you make to an accident or health plan for an employee" including health insurance cost. The qualifying employer contribution is excluded at the contribution stage; a later claim or the source of an employee share does not reverse that rule.

    Reference: IRS Publication 15-B, Employer's Tax Guide to Fringe Benefits — Accident and Health Benefits

Topics in this practice bank

These topics describe the available practice for New Hampshire Producer's Accident & Health Insurance. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation
    • Licensing
    • Licensing > Process (402-J:5, 6)
    • Licensing > Types of Licensees
    • Licensing > Types of Licensees > Producer (402-J:2, 14)
    • Licensing > Types of Licensees > Producer with appointment (402-J:14)
    • Licensing > Types of Licensees > Business entity (402-J:6)
    • Licensing > Types of Licensees > Financial institutions (406-C:1–19)
    • Licensing > Types of Licensees > Resident versus nonresident (402-J:8, 16)
    • Licensing > Types of Licensees > Temporary (402-J:11)
    • Licensing > Maintenance and Duration
    • Licensing > Maintenance and Duration > Renewal (402-J:7(II–IV))
    • Licensing > Maintenance and Duration > Change of address (402-J:7(VI))
    • Licensing > Maintenance and Duration > Reporting of actions (402-J:17)
    • Licensing > Maintenance and Duration > Assumed names (402-J:10)
    • Licensing > Maintenance and Duration > Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Licensing > Disciplinary Actions
    • Licensing > Disciplinary Actions > Cease and desist order (417:12)
    • Licensing > Disciplinary Actions > Denial, suspension or revocation (402:49; 402-J:12)
    • Licensing > Disciplinary Actions > Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • State regulation > Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • State regulation > Investigations enforcement (400-A:16)
    • State regulation > Company regulation
    • State regulation > Company regulation > Producer appointment (402-J:14)
    • State regulation > Company regulation > Termination of appointment (402-J:15)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Acting without a license (402-J:3, 13)
    • State regulation > Producer regulation > Commissions (402-J:13)
    • State regulation > Producer regulation > Conversion of funds by producer (402:53)
    • State regulation > Producer regulation > Referrals (402:16-B)
    • State regulation > Producer regulation > Controlled business (402:74)
    • State regulation > Producer regulation > Fiduciary requirements (Reg 4301.01–4301.09)
    • State regulation > Producer regulation > License to transact business (402:12)
    • State regulation > Producer regulation > Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • State regulation > Unfair insurance trade practices
    • State regulation > Unfair insurance trade practices > Misrepresentation (402:46; 417:4(I, II))
    • State regulation > Unfair insurance trade practices > Twisting (402:47; 417:4(I))
    • State regulation > Unfair insurance trade practices > False information and advertising (417:4(III))
    • State regulation > Unfair insurance trade practices > Defamation (417:4(IV))
    • State regulation > Unfair insurance trade practices > Boycott, coercion and intimidation (417:4(V))
    • State regulation > Unfair insurance trade practices > Illegal inducement (417:4(VII))
    • State regulation > Unfair insurance trade practices > Unfair discrimination (417:4(VIII))
    • State regulation > Unfair insurance trade practices > Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
  • Federal Laws and Regulations
    • Fair Credit Reporting Act - Purpose
    • Privacy [Gramm Leach Bliley]
    • Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
    • Affordable Care Act (ACA)
    • National Do Not Call List
    • CAN-SPAM Act
  • General Insurance Concepts
    • Risk
    • Risk > Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (Risk, Hazard, Peril, Loss)
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers > Express
    • Authority and Powers of Producers > Implied
    • Authority and Powers of Producers > Apparent
    • Authority and Powers of Producers > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • Accident and Health Insurance Basics
    • Field Underwriting
    • Field Underwriting > Application Procedures
    • Field Underwriting > Disclosures and Privacy
    • Underwriting Requirements (Varies by Insurer)
    • Sources of Underwriting
    • Sources of Underwriting > Application
    • Sources of Underwriting > Producer's report
    • Sources of Underwriting > Medical information bureau (MIB)
    • Sources of Underwriting > Inspection report
    • Sources of Underwriting > Medical examination
    • Sources of Underwriting > Attending physician's report
    • Policy Delivery
    • Policy Delivery > Effective Date of Coverage
    • Policy Delivery > Policy Review
    • Policy Delivery > Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
    • Policy Delivery > Statement of Good Health
    • Definitions of Perils
    • Definitions of Perils > Accidental Injury
    • Definitions of Perils > Sickness
    • Types of Losses and Benefits
    • Types of Losses and Benefits > Loss of Income from Disability (Short-Term/Long-Term Disability)
    • Types of Losses and Benefits > Medical Expense
    • Types of Losses and Benefits > Long-Term Care Expense
    • Classification of Risks
    • Classification of Risks > Preferred
    • Classification of Risks > Standard
    • Classification of Risks > Substandard
  • Individual Accident and Health Insurance Policy Provisions
    • Uniform Required Provisions
    • Uniform Required Provisions > Time Limit on Certain Defenses
    • Uniform Required Provisions > Grace Period
    • Uniform Required Provisions > Reinstatement
    • Uniform Required Provisions > Claim Forms
    • Uniform Required Provisions > Proof of Loss
    • Uniform Required Provisions > Time of Payment of Claims
    • Uniform Required Provisions > Physical Examinations and Autopsy
    • Uniform Required Provisions > Legal Actions
    • Uniform Required Provisions > Entire Contract
    • Uniform Required Provisions > Payment of Claims
    • Uniform Required Provisions > Change of Beneficiary
    • Uniform Required Provisions > Notice of Claim
    • Uniform Optional Provisions
    • Uniform Optional Provisions > Change of Occupation
    • Uniform Optional Provisions > Misstatement of Age/Sex
    • Uniform Optional Provisions > Illegal Occupation
    • Uniform Optional Provisions > Intoxicants, Narcotics, or Other Controlled Substances
    • Other General Provisions
    • Other General Provisions > Right to Examine/Free Look
    • Other General Provisions > Insuring Clause
    • Other General Provisions > Consideration Clause
    • Other General Provisions > Coinsurance
    • Other General Provisions > Probationary Period
    • Other General Provisions > Elimination Period
    • Other General Provisions > Exclusions
  • Disability Income and Related Insurance
    • Benefits Determination for Disability
    • Benefits Determination for Disability > Indemnity
    • Benefits Determination for Disability > Loss of Income
    • Qualifications of Disability
    • Qualifications of Disability > Total (Own Occupation, Any Occupation)
    • Qualifications of Disability > Partial
    • Qualifications of Disability > Permanent
    • Qualifications of Disability > Presumptive
    • Qualifications of Disability > Recurrent
    • Qualifications of Disability > Residual
    • Qualifications of Disability > Inability to Perform Duties
    • Qualifications of Disability > Occupational versus Non-Occupational
    • Individual Disability Income Insurance
    • Individual Disability Income Insurance > Basic Total Disability Plan
    • Individual Disability Income Insurance > Cost of Living Rider
    • Individual Disability Income Insurance > Future Increase Option Rider
    • Individual Disability Income Insurance > Change of Occupation
    • Individual Disability Income Insurance > Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
    • Individual Disability Income Insurance > Refund Provisions
    • Individual Disability Income Insurance > Exclusions
    • Individual Disability Income Insurance > Waiver of Premium
    • Individual Disability Income Insurance > Probationary Period
    • Individual Disability Income Insurance > Elimination Period
    • Individual Disability Income Insurance > Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting
    • Unique Aspects of Individual Disability Income Underwriting > Occupational Considerations
    • Unique Aspects of Individual Disability Income Underwriting > Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting > Policy Issuance Alternatives
    • Group Disability Income Insurance
    • Group Disability Income Insurance > Short-Term Disability
    • Group Disability Income Insurance > Long-Term Disability
    • Group Disability Income Insurance > Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
    • Group Disability Income Insurance > At-work benefits
    • Business Disability Income Insurance
    • Business Disability Income Insurance > Key Employee Disability Income
    • Business Disability Income Insurance > Disability Buy-Sell Policy
    • Business Disability Income Insurance > Business Overhead Expense
    • Social Security Disability Income
    • Social Security Disability Income > Qualification for Disability Benefits
    • Social Security Disability Income > Definition of Disability
    • Social Security Disability Income > Waiting Period
  • Medical Plans
    • Medical Plan Concepts
    • Medical Plan Concepts > Fee-for-Service
    • Medical Plan Concepts > Prepaid
    • Medical Plan Concepts > Specified disease/Dread disease insurance
    • Medical Plan Concepts > Comprehensive Coverage
    • Medical Plan Concepts > Dependent Coverage
    • Provisions and Clauses
    • Provisions and Clauses > Deductibles
    • Provisions and Clauses > Stop-Loss Provision
    • Provisions and Clauses > Impairment rider
    • Types of Medical Plans
    • Types of Medical Plans > Major Medical Insurance
    • Types of Medical Plans > Health Maintenance Organizations (HMOs)
    • Types of Medical Plans > Preferred Provider Organizations (PPOs)
    • Types of Medical Plans > Point-of-Service (POS) Plans
    • Cost Containment in Health Care Delivery
    • Cost Containment in Health Care Delivery > Managed Care
    • Cost Containment in Health Care Delivery > Preventive Care
    • Cost Containment in Health Care Delivery > Outpatient Benefits
    • Cost Containment in Health Care Delivery > Utilization Management
    • Cost Containment in Health Care Delivery > Preauthorization
    • Cost Containment in Health Care Delivery > Primary Care Physician
    • Limited Health Insurance Policies
    • Limited Health Insurance Policies > Accidental Death and Dismemberment
    • Limited Health Insurance Policies > Hospital indemnity
    • Limited Health Insurance Policies > Critical Illness/Dread Disease
    • Limited Health Insurance Policies > Vision Care
    • Limited Health Insurance Policies > Hearing
    • Limited Health Insurance Policies > Dental
    • Health Insurance Portability and Accountability Act (HIPAA)
    • Health Insurance Portability and Accountability Act (HIPAA) > Eligibility Requirements
    • Health Insurance Portability and Accountability Act (HIPAA) > Terms
    • Health Insurance Portability and Accountability Act (HIPAA) > Privacy
    • Health Insurance Portability and Accountability Act (HIPAA) > Portability
    • Affordable Care Act (ACA)
    • Affordable Care Act (ACA) > Eligibility
    • Affordable Care Act (ACA) > Dependent coverage
    • Affordable Care Act (ACA) > Essential health benefits
    • Affordable Care Act (ACA) > Levels of Coverage (Metallic Plans)
  • Group Health Insurance
    • Characteristics of Group Health Insurance
    • Characteristics of Group Health Insurance > Group Contract
    • Characteristics of Group Health Insurance > Certificate of Coverage
    • Characteristics of Group Health Insurance > Eligible Groups
    • Characteristics of Group Health Insurance > Contributory versus Non-Contributory
    • Employer Group Health Insurance
    • Employer Group Health Insurance > Underwriting Criteria
    • Employer Group Health Insurance > Eligibility for Insurance
    • Employer Group Health Insurance > Conversion of Coverage
    • Employer Group Health Insurance > Open Enrollment
    • Employer Group Health Insurance > Probation/Waiting Period
    • Employer Group Health Insurance > Coordination of Benefits
    • COBRA
    • COBRA > Eligibility
    • COBRA > Duration of Coverage
    • COBRA > Premium
  • Specialized Health Insurance for Qualified Individuals
    • Medicare
    • Medicare > Eligibility
    • Medicare > Part A
    • Medicare > Part B
    • Medicare > Part C
    • Medicare > Part D
    • Medicare Supplement Insurance
    • Medicare Supplement Insurance > Enrollment Periods
    • Medicare Supplement Insurance > Standardized Plan Benefits
    • Medicaid
    • Medicaid > Eligibility
    • Long-Term Care Policies
    • Long-Term Care Policies > Eligibility for Benefits (Activities of Daily Living)
    • Long-Term Care Policies > Benefit/Elimination Periods
    • Long-Term Care Policies > Levels of care (Skilled, Intermediate, Custodial)
  • Federal Tax Considerations for Health Insurance
    • Health Insurance Premiums and Benefits
    • Health Insurance Premiums and Benefits > Individual
    • Health Insurance Premiums and Benefits > Group
    • Health Insurance Premiums and Benefits > Disability Income (Individual and Group)
    • Health Insurance Premiums and Benefits > Business Disability Insurance
    • Consumer-Driven Health Plans
    • Consumer-Driven Health Plans > Health Savings Accounts (HSAs)
    • Consumer-Driven Health Plans > Health Savings Accounts (HSAs) > High Deductible Health Plans (HDHPs)
    • Consumer-Driven Health Plans > Health Reimbursement Accounts (HRAs)
    • Consumer-Driven Health Plans > Flexible Spending Accounts (FSAs)

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