1|Page
NH Insurance Agent Exam Questions and
Answers|2025 Update|100% Correct.
How are level term policies able to provide level premiums? - (answers)Premiums
are averaged over the term of the policy
ABC Company is attempting to minimize the severity of potential losses within its
company. The company is engaged in risk - (answers)reduction
An organization that requires healthcare services to be provided by a network of
physicians and hospitals is known as a(n) - (answers)HMO
Christine is receiving benefits provided from her disability income insurance. As
compared to her previous earnings, the disability benefits should be -
(answers)somewhat less
The conversion option for group term insurance may be exercised by an
employee - (answers)within 31 days of terminated employment
The free look period provided in a life insurance policy is usually ____ days -
(answers)10
Which of the following contracts offer deferred taxation, flexible payments, a
guaranteed interest rate, and death benefits equal to the cash value? -
(answers)Flexible premium fixed annuity
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Which of these if NOT considered to be an activity of a daily living(ADL)? -
(answers)Driving
A single premium deferred annuity sometimes contains a bailout feature. Which
statement regarding this feature is correct? - (answers)If the interest rate falls
below a specified level, the surrender charge is waived
Which statement about group life insurance is incorrect? - (answers)Each
participant requires evidence of insurability
Darrell has a group long-term disability income policy paid by his employer. Which
of these statements is true? - (answers)The specified benefit amount is a
percentage of his wages
The free look period for long term care insurance policies sold in nh is ___ days. -
(answers)30
In a qualified retirement plan, the yearly contributions to an employee's account -
(answers)Are restricted to maximum limits set by the IRS
A guaranteed renewable provision allows - (answers)premiums which can only be
increased per rate class
Replacement regulations exist in order to - (answers)Protect policy owners from
misrepresentations and loss of benefits
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Some standard Medicare Supplement policies include which benefit? -
(answers)Hospice care
A(n) _________ insurer assumes risk from another insurance company -
(answers)Reinsurance
Failure to meet the continuing education credit requirements in NH may result in
- (answers)Non-renewal of the license
Who determines worker's compensation eligibility rules? - (answers)State of NH
ABC corporation purchases and is beneficiary of an individual disability income
insurance policy on a key employee. Which of the following statements is true? -
(answers)Benefits are received tax-free by the company
Which of the following statements BEST describes a double indemnity provision in
travel accident insurance? - (answers)Benefits are doubled under certain
circumstances stated in the policy
Which statement regarding the life insurance premium for a children's rider is
true? - (answers)Premium remains the same no matter how many children
In NH, a temporary license may be issued for a period not to exceed ____ days -
(answers)180
NH Insurance Agent Exam Questions and
Answers|2025 Update|100% Correct.
How are level term policies able to provide level premiums? - (answers)Premiums
are averaged over the term of the policy
ABC Company is attempting to minimize the severity of potential losses within its
company. The company is engaged in risk - (answers)reduction
An organization that requires healthcare services to be provided by a network of
physicians and hospitals is known as a(n) - (answers)HMO
Christine is receiving benefits provided from her disability income insurance. As
compared to her previous earnings, the disability benefits should be -
(answers)somewhat less
The conversion option for group term insurance may be exercised by an
employee - (answers)within 31 days of terminated employment
The free look period provided in a life insurance policy is usually ____ days -
(answers)10
Which of the following contracts offer deferred taxation, flexible payments, a
guaranteed interest rate, and death benefits equal to the cash value? -
(answers)Flexible premium fixed annuity
,2|Page
Which of these if NOT considered to be an activity of a daily living(ADL)? -
(answers)Driving
A single premium deferred annuity sometimes contains a bailout feature. Which
statement regarding this feature is correct? - (answers)If the interest rate falls
below a specified level, the surrender charge is waived
Which statement about group life insurance is incorrect? - (answers)Each
participant requires evidence of insurability
Darrell has a group long-term disability income policy paid by his employer. Which
of these statements is true? - (answers)The specified benefit amount is a
percentage of his wages
The free look period for long term care insurance policies sold in nh is ___ days. -
(answers)30
In a qualified retirement plan, the yearly contributions to an employee's account -
(answers)Are restricted to maximum limits set by the IRS
A guaranteed renewable provision allows - (answers)premiums which can only be
increased per rate class
Replacement regulations exist in order to - (answers)Protect policy owners from
misrepresentations and loss of benefits
, 3|Page
Some standard Medicare Supplement policies include which benefit? -
(answers)Hospice care
A(n) _________ insurer assumes risk from another insurance company -
(answers)Reinsurance
Failure to meet the continuing education credit requirements in NH may result in
- (answers)Non-renewal of the license
Who determines worker's compensation eligibility rules? - (answers)State of NH
ABC corporation purchases and is beneficiary of an individual disability income
insurance policy on a key employee. Which of the following statements is true? -
(answers)Benefits are received tax-free by the company
Which of the following statements BEST describes a double indemnity provision in
travel accident insurance? - (answers)Benefits are doubled under certain
circumstances stated in the policy
Which statement regarding the life insurance premium for a children's rider is
true? - (answers)Premium remains the same no matter how many children
In NH, a temporary license may be issued for a period not to exceed ____ days -
(answers)180
