Free Utah Producer's Accident and Health Exam Practice Questions

Sample Practice Questions

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

1. 1A Utah resident begins advertising that she can arrange accident and health insurance before any producer license is issued. Which statement applies?

   1. A. Advertising the service requires a valid producer license unless an exemption applies
   2. B. Only completing an application requires a license
   3. C. Advertising is allowed for 30 days while the application is pending
   4. D. A license is required only after the first commission is received

   Answer: A

   Explanation: The statute says a person "may not perform, offer to perform, or advertise any service as a producer" without the required license. Advertising therefore requires the license unless an exemption applies.

   Reference: Utah Code 31 a 23 a — §31A-23a-103(1)(a)

2. 2An otherwise valid health policy was sold through conduct that violated Utah's producer-license requirement. What is the effect on the insurance contract solely because of that violation?

   1. A. The contract is not invalid solely because of the licensing violation
   2. B. The contract is void from inception
   3. C. The contract converts to a temporary binder
   4. D. The contract remains valid only if the commissioner ratifies it

   Answer: A

   Explanation: The statute provides, "An insurance contract is not invalid as a result of a violation of this section." Regulatory consequences and contract validity are therefore distinct.

   Reference: Utah Code 31 a 23 a — §31A-23a-103(3)

3. 3Under Utah Rule R590-126, what is the general rule for a period during which an individual health contract provides no coverage?

   1. A. A contract may not establish such a probationary period except for specified exceptions
   2. B. Every contract must impose a 30-day probationary period
   3. C. Only renewals may contain a probationary period
   4. D. Any probationary period is permitted if boldfaced

   Answer: A

   Explanation: The rule says, "A contract may not establish a probationary period when coverage is not provided, except under Subsection (1)(b), (1)(c), or (1)(d)." Thus only the stated exceptions permit one.

   Reference: Utah Office of Administrative Rules — R590-126-4(1)(a)

4. 4In a disability income contract, the insured must remain disabled through a defined waiting period before benefit payments begin. What is the name of that interval?

   1. A. The elimination period.
   2. B. The probationary period.
   3. C. The benefit period.
   4. D. The grace period.

   Answer: A

   Explanation: Utah R590-126 defines "Elimination period" or "waiting period" as the time the insured waits before contract benefits are paid. The other terms identify different insurance time periods rather than this prepayment wait.

   Reference: Utah Administrative Rule R590-126 — R590-126-3, Elimination period

5. 5An insured had maternity coverage when a newborn was placed with the insured for adoption 75 days after birth. Which Utah benefit may be required?

   1. A. A maternity stay benefit
   2. B. An adoption indemnity benefit
   3. C. A disabled-dependent benefit
   4. D. A continuation benefit

   Answer: B

   Explanation: Utah requires that the policy "provide an adoption indemnity benefit payable to the insured" when maternity coverage exists and placement occurs within 90 days of birth, subject to the statute's other conditions.

   Reference: Utah Code 31 a 22 — §31A-22-610.1(1)(a)

6. 6An insurer discontinues one particular group health benefit plan product in Utah. What advance notice must affected plan sponsors, employees, and dependents generally receive?

   1. A. At least 90 days
   2. B. At least 30 days
   3. C. At least 45 days
   4. D. At least 180 days

   Answer: A

   Explanation: The statute requires written notice "at least 90 days before the day on which the coverage discontinues." The distractors are real Utah timing periods for termination, premium-change, or all-market discontinuance notices, but not this notice.

   Reference: Utah Code 31 a 22 — §31A-22-618.6(5)(d)(ii)(A)

7. 7A producer compares dental benefit categories using the ADA guide's sample schedule. In that example, what plan share applies to basic restorative services, as distinct from preventive and major restorative services?

   1. A. 100% for basic restorative services.
   2. B. 80% for basic restorative services.
   3. C. 50% for basic restorative services.
   4. D. 20% for basic restorative services.

   Answer: B

   Explanation: The ADA example lists "80% coverage for basic restorative services", compared with 100% for preventive and diagnostic and 50% for major restorative services. The question asks about that example, not a required percentage for every dental plan.

   Reference: American Dental Association, An Introduction to Dental Benefits — Introduction to Dental Benefits, sample benefit schedule

8. 8Which event starts Utah's Medicare supplement open-enrollment window for an eligible applicant?

   1. A. The first month both the statutory age threshold and Medicare Part B enrollment are satisfied
   2. B. The month Medicare Part D enrollment becomes effective
   3. C. The month an employer plan first offers retiree coverage
   4. D. The month after Medicare Advantage enrollment begins

   Answer: A

   Explanation: The six-month period begins with "the first day of the first month in which an individual is both 65 years of age or older and is enrolled for benefits under Medicare Part B." Choice A states that trigger.

   Reference: Utah Office of Administrative Rules — R590-146-11(1)

9. 9Which renewal provisions may a Utah individual long-term care policy use?

   1. A. Cancelable or optionally renewable only
   2. B. Conditionally renewable only
   3. C. Guaranteed renewable or noncancellable only
   4. D. Any renewal label selected by the producer

   Answer: C

   Explanation: The rule says an individual policy may not contain a renewal provision other than "guaranteed renewable" or "noncancellable." Those are the permitted provisions.

   Reference: Utah Office of Administrative Rules — R590-148-6(1)(a)

10. 10A taxpayer itemizes, has AGI of $100,000, and personally pays $9,000 in eligible medical-insurance premiums with no other medical expenses, credits, or reimbursements. Under the 7.5% Schedule A floor, how much is deductible?

    1. A. $675.
    2. B. $1,500.
    3. C. $7,500.
    4. D. $9,000.

    Answer: B

    Explanation: Publication 502 includes eligible medical-care premiums and allows a Schedule A deduction for expenses "more than 7.5% of your AGI." The floor is $7,500, leaving $1,500 of $9,000 deductible. $675 wrongly applies 7.5% to the premium; $7,500 confuses floor with deduction; $9,000 ignores the floor.

    Reference: IRS Publication 502 — Publication 502, Insurance Premiums