Washington Life & Disability Insurance Exam Simulator
WASHINGTON LIFE & DISABILITY INSURANCE EXAM SIMULATOR
NEWEST 2025/2026 COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |BRAND NEW VERSION!!
David submits a $500 claim for medical expenses. There is a past-due amount
owed for insurance premiums of $200. As a result, the insurer only pays $300 for
the claim. This deduction came as a result of which provision?
unpaid provision
The open enrollment period for Medicare Supplements begins at age
65
If an insurer terminates a producer's appointment, it must notify the
Commissioner within ___ days of the termination.
30
Written notice of a health (disability) insurance claim should be given to the
insurer within __ days after the occurrence of any loss covered by the policy.
20
Which of the following types of deductibles would apply a single deductible to
both medical and dental insurance coverage?
integrated deductible
A change in an insurance application requires
an initial made by the applicant
1|Page
, Washington Life & Disability Insurance Exam Simulator
What are an applicant's statements concerning occupation, hobbies, and personal
health history regarded as?
representation
Which of these individuals would require continuing education?
Resident Producer
Rob has a benefit at work which enables him to defer his current receipt of
income and have it paid at a later date, when he will probably be in a lower tax
bracket. Which benefit fits this description?
deferred compensation option
Bob and Tom start a business. Since each partner contributes an important
element to the success of the business, they decide to take life insurance policies
out on each other, and name each other as beneficiaries. Eventually, they retire
and dissolve the business. Bob dies 12 months later. The policies continue in force
with no change. Both partners are still married at the time of Bob's death. In this
situation, who will receive Bob's policy proceeds?
Tom
An Outline of ______ is required for long-term care policies and provides a brief
description of the important features of the policy.
Benefits
When are group disability benefits considered to be tax-free to the insured?
when the recipient pays the premiums
2|Page
, Washington Life & Disability Insurance Exam Simulator
Small employers who are sponsored by an insurer to provide group benefits to its
employees are called
MEWA (multiple employer welfare association)
At what age will a person normally enroll with an insurance carrier under a Part C
Medicare Advantage Plan?
65
The least expensive option to pay off a 30-year mortgage balance would be
decreasing term life
Refusing an insurance applicant because of marital status is an example of
illegal discrimination
Bryce purchased a disability income policy with a rider that guarantees him the
option of purchasing additional amounts of coverage at predetermined times
without requiring to provide evidence of insurability. What kind of rider is this?
Guaranteed insurability rider
An insurer may pay a commission in which of the following scenarios?
to a licensed producer who is appointed with the insurer
What is the purpose for having an accelerated death benefit on a life insurance
policy?
It allows for cash advances to be paid against the death benefit if the insured
becomes terminally ill
3|Page
, Washington Life & Disability Insurance Exam Simulator
An insured was injured as an innocent bystander when someone committed a
felony. The insurer is
liable for the loss
A whole life insurance policy accumulates cash value that becomes
the policy loan value which the insured may borrow against
What may be the result of replacing an existing life insurance policy with a new
one?
Surrender charge
How soon can the benefit payments begin with a deferred annuity?
A minimum of 12 months after date of purchase
In what part of an insurance policy are policy benefits found?
Declarations
What does the word "level" in Level Term describe?
the Face amount
Which settlement option pays a stated amount to an annuitant, but no residual
value to a beneficiary?
life income
4|Page
WASHINGTON LIFE & DISABILITY INSURANCE EXAM SIMULATOR
NEWEST 2025/2026 COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |BRAND NEW VERSION!!
David submits a $500 claim for medical expenses. There is a past-due amount
owed for insurance premiums of $200. As a result, the insurer only pays $300 for
the claim. This deduction came as a result of which provision?
unpaid provision
The open enrollment period for Medicare Supplements begins at age
65
If an insurer terminates a producer's appointment, it must notify the
Commissioner within ___ days of the termination.
30
Written notice of a health (disability) insurance claim should be given to the
insurer within __ days after the occurrence of any loss covered by the policy.
20
Which of the following types of deductibles would apply a single deductible to
both medical and dental insurance coverage?
integrated deductible
A change in an insurance application requires
an initial made by the applicant
1|Page
, Washington Life & Disability Insurance Exam Simulator
What are an applicant's statements concerning occupation, hobbies, and personal
health history regarded as?
representation
Which of these individuals would require continuing education?
Resident Producer
Rob has a benefit at work which enables him to defer his current receipt of
income and have it paid at a later date, when he will probably be in a lower tax
bracket. Which benefit fits this description?
deferred compensation option
Bob and Tom start a business. Since each partner contributes an important
element to the success of the business, they decide to take life insurance policies
out on each other, and name each other as beneficiaries. Eventually, they retire
and dissolve the business. Bob dies 12 months later. The policies continue in force
with no change. Both partners are still married at the time of Bob's death. In this
situation, who will receive Bob's policy proceeds?
Tom
An Outline of ______ is required for long-term care policies and provides a brief
description of the important features of the policy.
Benefits
When are group disability benefits considered to be tax-free to the insured?
when the recipient pays the premiums
2|Page
, Washington Life & Disability Insurance Exam Simulator
Small employers who are sponsored by an insurer to provide group benefits to its
employees are called
MEWA (multiple employer welfare association)
At what age will a person normally enroll with an insurance carrier under a Part C
Medicare Advantage Plan?
65
The least expensive option to pay off a 30-year mortgage balance would be
decreasing term life
Refusing an insurance applicant because of marital status is an example of
illegal discrimination
Bryce purchased a disability income policy with a rider that guarantees him the
option of purchasing additional amounts of coverage at predetermined times
without requiring to provide evidence of insurability. What kind of rider is this?
Guaranteed insurability rider
An insurer may pay a commission in which of the following scenarios?
to a licensed producer who is appointed with the insurer
What is the purpose for having an accelerated death benefit on a life insurance
policy?
It allows for cash advances to be paid against the death benefit if the insured
becomes terminally ill
3|Page
, Washington Life & Disability Insurance Exam Simulator
An insured was injured as an innocent bystander when someone committed a
felony. The insurer is
liable for the loss
A whole life insurance policy accumulates cash value that becomes
the policy loan value which the insured may borrow against
What may be the result of replacing an existing life insurance policy with a new
one?
Surrender charge
How soon can the benefit payments begin with a deferred annuity?
A minimum of 12 months after date of purchase
In what part of an insurance policy are policy benefits found?
Declarations
What does the word "level" in Level Term describe?
the Face amount
Which settlement option pays a stated amount to an annuitant, but no residual
value to a beneficiary?
life income
4|Page
