Washington Laws and Rules Pertinent to
Insurance Exam 2025/2026 | Actual Exam
| Washington State Insurance
Regulations | Office of the Insurance
Commissioner
Violations of US Code Title 18 section 1033, may result in -CORRECTANSWER Fine
and/or imprisonment
Charles is a producer who is licensed in Washington but resides in Oregon. Charles is
considered to be a(n) -CORRECTANSWER Nonresident producer
Before a producer may sell, solicit, or negotiate insurance from an insurer, the producer
must have a(n) -CORRECTANSWER Appointment
The act of using misrepresentation to induce an insured person to terminate an existing
policy and purchase a new policy is referred to as -CORRECTANSWER Twisting
An example of an unfair claims settlement practice is -CORRECTANSWER Turning
down a claim without providing the basis of denial
One role of the Commissioner is to -CORRECTANSWER Enforce state insurance laws
,Every producer licensed in Washington must notify the Commissioner within ___ days
of any change of the address. -CORRECTANSWER 30
The identity of the _____ must be made clear in every health (disability) insurance
advertisement. -CORRECTANSWER Insurer
A life insurance policy becomes incontestable after it has been in force for -
CORRECTANSWER 2 years
Advertising regulations exist to -CORRECTANSWER Assure full and truthful
disclosures to the public
When a Medicare Supplement insurance policy is being replaced, who must sign the
notice of replacement? -CORRECTANSWER The producer and the applicant
What is the MINIMUM benefit period that must be offered by a Long-Term Care policy?
-CORRECTANSWER 12 months
No legal action can be initiated after ___ years from the initial time written proof of loss
has been provided. -CORRECTANSWER 3
When replacing a life insurance policy, a producer must provide the applicant with a -
CORRECTANSWER Notice Regarding Replacement
, A Medicare Supplement policy can be cancelled by the insurer for -
CORRECTANSWER Nonpayment
A company that is chartered and organized of the state in which its home office is
located is called a(n) -CORRECTANSWER Domestic insurer
An insurance company may only pay commissions to a(n) -CORRECTANSWER
Licensed producer appointed by the insurer
An example of an Unfair Claims Settlement practice is -CORRECTANSWER Failing to
promptly provide reasonable explanations for the denial of claims
An insurance company that has qualified and received a Certificate of Authority from the
Insurance Department to sell insurance in this state is called a(n) -CORRECTANSWER
Authorized insurer
Replacement can be BEST described as -CORRECTANSWER Exchanging a new
policy for one already in force
An insurer may exclude preexisting conditions on a Medicare Supplement policy for ___
months. -CORRECTANSWER 6
Insurance Exam 2025/2026 | Actual Exam
| Washington State Insurance
Regulations | Office of the Insurance
Commissioner
Violations of US Code Title 18 section 1033, may result in -CORRECTANSWER Fine
and/or imprisonment
Charles is a producer who is licensed in Washington but resides in Oregon. Charles is
considered to be a(n) -CORRECTANSWER Nonresident producer
Before a producer may sell, solicit, or negotiate insurance from an insurer, the producer
must have a(n) -CORRECTANSWER Appointment
The act of using misrepresentation to induce an insured person to terminate an existing
policy and purchase a new policy is referred to as -CORRECTANSWER Twisting
An example of an unfair claims settlement practice is -CORRECTANSWER Turning
down a claim without providing the basis of denial
One role of the Commissioner is to -CORRECTANSWER Enforce state insurance laws
,Every producer licensed in Washington must notify the Commissioner within ___ days
of any change of the address. -CORRECTANSWER 30
The identity of the _____ must be made clear in every health (disability) insurance
advertisement. -CORRECTANSWER Insurer
A life insurance policy becomes incontestable after it has been in force for -
CORRECTANSWER 2 years
Advertising regulations exist to -CORRECTANSWER Assure full and truthful
disclosures to the public
When a Medicare Supplement insurance policy is being replaced, who must sign the
notice of replacement? -CORRECTANSWER The producer and the applicant
What is the MINIMUM benefit period that must be offered by a Long-Term Care policy?
-CORRECTANSWER 12 months
No legal action can be initiated after ___ years from the initial time written proof of loss
has been provided. -CORRECTANSWER 3
When replacing a life insurance policy, a producer must provide the applicant with a -
CORRECTANSWER Notice Regarding Replacement
, A Medicare Supplement policy can be cancelled by the insurer for -
CORRECTANSWER Nonpayment
A company that is chartered and organized of the state in which its home office is
located is called a(n) -CORRECTANSWER Domestic insurer
An insurance company may only pay commissions to a(n) -CORRECTANSWER
Licensed producer appointed by the insurer
An example of an Unfair Claims Settlement practice is -CORRECTANSWER Failing to
promptly provide reasonable explanations for the denial of claims
An insurance company that has qualified and received a Certificate of Authority from the
Insurance Department to sell insurance in this state is called a(n) -CORRECTANSWER
Authorized insurer
Replacement can be BEST described as -CORRECTANSWER Exchanging a new
policy for one already in force
An insurer may exclude preexisting conditions on a Medicare Supplement policy for ___
months. -CORRECTANSWER 6
