MLAHP - Minnesota Life Accident and Health Producer Exam

Question 1: A Minnesota producer who fell behind on coursework asks the commissioner for more time, using the commissioner's own form and showing good cause for the delay. Under Minnesota Statutes section 60K.56, subdivision 7, what is the longest extension the commissioner may grant?

Thirty calendar days

Sixty calendar days

Ninety calendar days

One hundred eighty calendar days

Question 2: The scope provision of Minnesota's unfair claims practices statute names one line of insurance that the section's claim handling standards do not reach, and it adds that nothing in the section abrogates policy provisions. Which line of insurance is excluded from those standards?

Individual life insurance

Medicare supplement insurance

Group disability income insurance

Workers' compensation insurance

Question 3: An agency owner circulates a newsletter in Rochester claiming that a competing insurer is close to insolvency, a claim she knows is false and made to drive business away from that carrier. Which two elements does Minnesota's defamation provision require the commissioner to establish?

False financial criticism calculated to injure

Repeated publication and actual monetary loss

Any untrue statement about a competitor

Malice toward the competitor's licensed producers

Question 4: A beneficiary in Duluth telephones a life insurer to report the insured's death. Minnesota's claims practices statute fixes an outside limit for acknowledging that notification of claim and providing claim forms and instructions. Which period, stated in the unit the statute itself uses, applies here?

Ten calendar days

Fifteen working days

Ten business days

Thirty business days

Question 5: An insurer and an insured in Mankato finally agree on the amount payable for part of a claim, and the insured performs every condition the agreement sets. Minnesota law then fixes how long the company may take to issue payment. Which period applies from the later of those events?

Ten business days

Five calendar days

Thirty business days

Five business days

Question 6: Minnesota requires a resident applicant for an insurance producer license to pass a written examination, but subdivision 2 of the examination statute lifts that requirement for a short list of licenses. Under Minnesota Statutes section 60K.36, subdivision 2, which group is excused from the written examination?

Life and accident and health applicants

Credit, title, travel and bail bond applicants

Personal lines and casualty applicants

Variable life and variable annuity applicants

Question 7: A producer with express binding authority agrees over the telephone to bind coverage for a client in Winona. Minnesota requires the producer to execute and forward a memorandum or binder containing the terms of that oral agreement. Which deadline applies to forwarding it?

Five calendar days

Ten business days

Five business days

Thirty days

Question 8: A Minnesota insurer has just filed its termination notice with the commissioner after discharging a producer for conduct matching the grounds listed in section 60K.43. Under Minnesota Statutes section 60K.51, subdivision 4, what must the insurer do next for that producer?

Send ordinary notice within thirty calendar days

Publish the termination in a trade journal

Wait for the commissioner to notify him

Send certified notice within fifteen calendar days

Question 9: An insured whose claim was mishandled once wants to sue the insurer directly under Minnesota's private attorney general statute, section 8.31, treating the mishandling as an unlawful trade practice. What does the claims practices statute say about that single violation?

It creates a private cause of action

Not unlawful for section 8.31 purposes

It doubles the administrative fine available

It bars any administrative action too

Question 10: The Minnesota commissioner finds that a producer committed several separate violations of the insurance laws during one investigation. Minnesota Statutes section 45.027, subdivision 6, fixes the maximum monetary civil penalty and the unit it attaches to. Which of the following states that maximum correctly?

One thousand dollars for the investigation

Five thousand dollars per licensee annually

Ten thousand dollars per violation

Twenty-five thousand dollars per violation

Question 11: During one licensing period a Minnesota producer completes twenty-four credit hours of continuing education, none of it dealing with professional conduct or duties owed to clients. Under Minnesota Statutes section 60K.56, subdivision 6, how many of those credit hours had to address ethics?

Three credit hours

Two credit hours

Four credit hours

Six credit hours

Question 12: A licensed Minnesota producer in Duluth has a client who needs coverage from a carrier that has never appointed him, in a class for which he does hold authority. Under Minnesota Statutes section 60K.49, subdivision 3, what condition lets him place that business?

The client signs a waiver of appointment

The transaction goes through an appointed agent

The commissioner grants a temporary appointment

The business is written as surplus lines

Question 13: A health carrier plans a one-year pilot offering Minnesota policyholders a wellness monitoring service at reduced cost, and files notice with the commissioner. Under the value-added safe harbor in the rebating statute, what happens if the commissioner raises no objection?

The pilot needs written approval first

The pilot may run for five years

The pilot may proceed after forty-five days

The service must be sold at cost

Question 14: A Minnesota producer receives the insurer's written notification that his appointment was terminated for cause, and he disputes the carrier's account of what happened. Under Minnesota Statutes section 60K.51, subdivision 4, how long does he have to file written comments with the commissioner?

Ten calendar days after receipt

Sixty calendar days after receipt

He has no right to respond

Thirty calendar days after receipt

Question 15: A Rochester life insurer executes an agency contract with a newly licensed Minnesota producer and takes in her first application during the same week. Under Minnesota Statutes section 60K.49, subdivision 4, within how many calendar days must the insurer file its notice of appointment?

Five calendar days

Fifteen calendar days

Ten calendar days

Thirty calendar days

Question 16: A Minnesota producer intends to earn every one of her continuing education credit hours from courses her own carrier sponsors. Under Minnesota Statutes section 60K.56, subdivision 6, what is the largest number of credit hours that may come from company-sponsored or company-affiliated courses?

Twelve credit hours

Six credit hours

Eighteen credit hours

All twenty-four credit hours

Question 17: A newly licensed Minnesota producer wants to begin selling long term care insurance to clients in Brainerd. Which combination of initial and ongoing training must that producer complete before and after selling, soliciting, or negotiating long term care coverage?

Four initial hours, four every year

Eight initial hours, eight every year

Four initial hours, no ongoing requirement

Eight initial hours, four every two years

Question 18: An applicant in Saint Cloud discloses that she donated a kidney to her brother two years ago and has fully recovered. Under Minnesota's trade practice catalogue, how may a life, long term care or disability carrier treat that donor status?

It may not discriminate solely on it

It may decline coverage outright

It may charge a surcharge premium

It must issue coverage without underwriting

Question 19: A Minnesota agency wants a candidate who passed the state examination but has not yet received a producer license to begin writing business under the carrier's appointment. Under Minnesota Statutes section 60K.49, subdivision 4, what does the statute say about appointing that candidate?

The appointment may be filed in advance

The appointment substitutes for the license

No insurer may appoint an unlicensed person

The commissioner may waive the license requirement

Question 20: Minnesota's claims practices statute directs an insurer to maintain a file on each complaint it receives. Minnesota Statutes section 72A.201, subdivision 9, fixes a minimum period, measured from the date of the complaint, for which that file must be kept. Which period does the subdivision set?

At least two years

At least three years

At least six years

At least four years

MLAHP Minnesota Life Accident and Health Producer Exam - Set 1 - Part 1

Question 1: A Minnesota producer who fell behind on coursework asks the commissioner for more time, using the commissioner's own form and showing good cause for the delay. Under Minnesota Statutes section 60K.56, subdivision 7, what is the longest extension the commissioner may grant?

Question 2: The scope provision of Minnesota's unfair claims practices statute names one line of insurance that the section's claim handling standards do not reach, and it adds that nothing in the section abrogates policy provisions. Which line of insurance is excluded from those standards?

Question 3: An agency owner circulates a newsletter in Rochester claiming that a competing insurer is close to insolvency, a claim she knows is false and made to drive business away from that carrier. Which two elements does Minnesota's defamation provision require the commissioner to establish?

Question 5: An insurer and an insured in Mankato finally agree on the amount payable for part of a claim, and the insured performs every condition the agreement sets. Minnesota law then fixes how long the company may take to issue payment. Which period applies from the later of those events?

Question 7: A producer with express binding authority agrees over the telephone to bind coverage for a client in Winona. Minnesota requires the producer to execute and forward a memorandum or binder containing the terms of that oral agreement. Which deadline applies to forwarding it?

Question 8: A Minnesota insurer has just filed its termination notice with the commissioner after discharging a producer for conduct matching the grounds listed in section 60K.43. Under Minnesota Statutes section 60K.51, subdivision 4, what must the insurer do next for that producer?

Question 9: An insured whose claim was mishandled once wants to sue the insurer directly under Minnesota's private attorney general statute, section 8.31, treating the mishandling as an unlawful trade practice. What does the claims practices statute say about that single violation?

Question 12: A licensed Minnesota producer in Duluth has a client who needs coverage from a carrier that has never appointed him, in a class for which he does hold authority. Under Minnesota Statutes section 60K.49, subdivision 3, what condition lets him place that business?

Question 13: A health carrier plans a one-year pilot offering Minnesota policyholders a wellness monitoring service at reduced cost, and files notice with the commissioner. Under the value-added safe harbor in the rebating statute, what happens if the commissioner raises no objection?

Question 15: A Rochester life insurer executes an agency contract with a newly licensed Minnesota producer and takes in her first application during the same week. Under Minnesota Statutes section 60K.49, subdivision 4, within how many calendar days must the insurer file its notice of appointment?

Question 17: A newly licensed Minnesota producer wants to begin selling long term care insurance to clients in Brainerd. Which combination of initial and ongoing training must that producer complete before and after selling, soliciting, or negotiating long term care coverage?

Question 18: An applicant in Saint Cloud discloses that she donated a kidney to her brother two years ago and has fully recovered. Under Minnesota's trade practice catalogue, how may a life, long term care or disability carrier treat that donor status?

Question 19: A Minnesota agency wants a candidate who passed the state examination but has not yet received a producer license to begin writing business under the carrier's appointment. Under Minnesota Statutes section 60K.49, subdivision 4, what does the statute say about appointing that candidate?

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