10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free UT-LAH questions are organized by exam domain, so you can see how each part of the Utah Life, Accident & Health Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
A Utah resident has received a producer license but has not been appointed by Granite Life or designated through an agency that Granite Life has appointed. Granite Life asks the producer to begin soliciting applications under its name. Which statement is correct?
Correct answer: C - An appointment or qualifying agency designation is required before solicitation.
An insurer gives a producer branded office signage, an insurer email address, and a public directory listing, but the agency agreement does not grant authority to bind coverage. An applicant reasonably believes the producer can bind because of the insurer's conduct. Which type of authority is implicated?
Correct answer: C - Apparent authority
Before a life application is signed, an investor agrees to pay all premiums, and the proposed insured agrees to transfer ownership and beneficiary rights to the investor soon after issue. The arrangement was designed from the outset to give the investor the death benefit. How should it be classified?
Correct answer: A - Stranger-originated life insurance (STOLI)
A parent earns $126,000 a year. Annual income taxes are $28,000, and the parent's own living expenses are $38,000. The family uses a present-value annuity factor of 11.5 for the remaining work years. Using the human-life-value approach, what amount represents the parent's future economic contribution?
Correct answer: B - $690,000
After a whole life policy lapses, the owner wants its net cash value applied as a single premium to keep the original face amount in force for the longest available limited period, with no policy debt. Which nonforfeiture option fits that objective?
Correct answer: B - Extended term insurance
A client bought a market-value-adjusted fixed annuity during a low-interest-rate period. Market rates later rose sharply, and the client now wants an early withdrawal beyond the contract's free amount. All other factors are unchanged. What effect is most likely?
Correct answer: D - A negative adjustment that reduces the withdrawal value
A Utah individual health policy uses monthly premiums. The June 1 premium is unpaid; a covered accident occurs June 10; the insurer receives the premium June 12. The policy provides Utah's minimum 15-day grace period. What is the effect?
Correct answer: D - Payment within grace preserves continuity, so the accident is evaluated under the policy.
An HMO member develops sudden crushing chest pressure and shortness of breath while traveling outside the network. The nearest emergency department is nonparticipating, and the member has no prior authorization. Which coverage approach is appropriate?
Correct answer: A - Apply the prudent-layperson standard; prior authorization is not required.
A surgeon permanently loses the fine motor control needed to operate but can still teach full time at a medical school. The disability policy defines total disability as inability to perform the substantial and material duties of the insured's regular occupation. Which conclusion is best?
Correct answer: B - The own-occupation definition may be satisfied even though the insured can teach.
A child is covered as a dependent under both parents' employer medical plans. The parents are married and live together. One parent was born October 5, 1988; the other was born March 20, 1991. Both have active employee coverage. Under the standard birthday rule, which plan is primary?
Correct answer: D - The March 20 plan; only month and day are compared
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