MLAHP - Minnesota Life Accident and Health Producer Exam

Question 21: The commissioner denies a Willmar applicant's insurance producer license application and advises her in writing of the reason. Minnesota's licensing statute then runs two separate thirty-calendar-day clocks. Thirty calendar days pass and she has demanded nothing in writing. What becomes of the denial?

The commissioner must hold a hearing anyway

A contested case begins under chapter fourteen

It becomes final without any hearing

The denial is stayed until she appeals

Question 22: The commissioner denies a Minnesota producer's request for continuing education relief. Her license stayed effective while the request was pending, and she still lacks the required hours. Under Minnesota Statutes section 60K.56, subdivision 7, how long does she now have before the license terminates?

Thirty calendar days from the denial

Ninety calendar days from the denial

Fifteen calendar days from the denial

Until the next licensing period opens

Question 23: Minnesota subjects health maintenance organizations to the unfair trade practice provisions of sections 72A.17 to 72A.32, yet the enforcing official is not the one a nationally trained candidate expects. Under Minnesota Statutes section 62D.12, subdivision 1, who enforces those provisions against an HMO?

The commissioner of commerce

The federal Department of Labor

The county attorney where the HMO sits

The commissioner of health

Question 24: A Minnesota producer has held the same carrier appointment for eleven years without ever making a renewal filing, and she asks whether it lapses on its own. Under Minnesota Statutes section 60K.49, subdivision 7, how long does an appointment stay in force?

Until voluntarily terminated or the license ends

For twenty-four months from the filing

Until the end of the calendar year

For twelve months, renewable by the insurer

Question 25: A Minnesota candidate passes the accident and health producer examination but delays filing the license application while she finishes a degree. Minnesota Statutes section 60K.36, subdivision 6, fixes how long her passing result stays good. Which of the following is that period?

One year from the examination date

Three years from the examination date

Ninety days from the examination date

Two years from the examination date

Question 26: The Department of Commerce sends a Minnesota producer a written request for information and sets no deadline of its own in the letter. Minnesota Statutes section 45.027, subdivision 1a, supplies the default period and its unit. Which of the following is that default?

Thirty business days

Fifteen working days

Ten business days

Thirty days

Question 27: After settling a claim, an insurer asks the insured to sign a document releasing the company from every future obligation of any kind arising from the policy. Minnesota's standards for releases address exactly this situation. What does the statute say about that request?

It is prohibited as overbroad

It is allowed with written consent

It is allowed after thirty days

It requires prior commissioner approval

Question 28: A producer in Duluth falsely tells a policyholder that her existing whole life contract has stopped earning dividends, hoping she will surrender it and buy a replacement from him. Which entry in Minnesota's catalogue of unfair methods of competition does that statement violate?

Defamation of an insurance company

Boycott, coercion, and intimidation

Circulating a false financial statement

Misrepresentation inducing surrender of insurance

Question 29: Minnesota distinguishes the document that authorizes a company to transact insurance from the document that authorizes an individual to sell, solicit or negotiate it. Under Minnesota Statutes section 60A.07, subdivision 4, which of the following statements about that company authorization is correct?

Only domestic insurers need it

No unexempted insurer may transact without it

Producers must obtain it before selling

The secretary of state issues it

Question 30: A Minnesota insured held a life policy with a seven hundred fifty thousand dollar death benefit and a disability income policy, both issued by the same insurer, which is now insolvent. Applying the aggregate limit, what is the association's maximum liability for that one life?

Five hundred thousand dollars

One million dollars

Seven hundred fifty thousand dollars

Two hundred fifty thousand dollars

Question 31: A claimant submits a properly executed proof of loss to her insurer in Bemidji. Minnesota's claims practices statute starts a distinct clock on that document, separate from the one that started when the company first learned of the claim. Which deadline governs advising acceptance or denial?

Thirty business days after receipt

Sixty business days after receipt

Sixty calendar days after receipt

Ten business days after receipt

Question 32: A claimant sends an insurer a written request asking for the coverage and limits of the policy involved in her claim. Minnesota law makes that disclosure mandatory and attaches a deadline that is not written in the business-day unit used elsewhere in the section. Which deadline applies?

Thirty business days

Sixty business days

Ten business days

Thirty days

Question 33: An agency in Winona plans a public drawing open to everyone, with no entry cost and no obligation to purchase. Under the rebating exceptions, a prize may not exceed five percent of premium or which stated ceiling, whichever is less?

Five hundred dollars

Two hundred fifty dollars

Twenty-five dollars

Two thousand dollars

Question 34: Minnesota requires an insurer to warn an unrepresented insured or claimant, at least sixty days before a limitation period runs out, that a known unresolved claim is about to expire. The statute also removes some claims from the known unresolved category. Which circumstance triggers that exception?

The claimant has retained an attorney

No payment has been made yet

The claim exceeds the policy limit

No communication for two years beforehand

Question 35: A Minnesota carrier is setting the monthly charge for a former spouse who elected continuation after a dissolution of marriage. Under Minnesota Statutes section 62A.21, subdivision 2a, what is the most the carrier may charge measured against the cost to the plan?

One hundred two percent of plan cost

One hundred percent of plan cost

One hundred fifty percent of plan cost

Any rate the carrier files and justifies

Question 36: A fifty-two-year-old Minnesotan qualified for Medicare through disability and applies for Medicare-related coverage within six months of first enrolling in Part B. A national textbook says no guaranteed right exists below age sixty-five. What does Minnesota law provide for this applicant?

No protection applies below age sixty-five

Protection applies only after twelve months

The protection applies regardless of age

Protection applies only to Medicare Advantage

Question 37: An agent in Saint Paul compares Minnesota's two core Medicare supplement designs for a client who wants the Medicare Part A inpatient hospital deductible covered without buying anything extra. Which statement correctly describes how the two plans treat that deductible?

Both plans include it automatically

Extended Basic includes it; Basic uses riders

Neither plan may cover it

Basic includes it; Extended Basic excludes it

Question 38: An insurer designs a compensation schedule for its Minnesota Medicare supplement product, planning a large first-year commission followed by smaller renewals capped at a multiple of the renewal rate. Minnesota's Medicare supplement commission statute forbids that shape. Which rule applies instead?

Compensation must be equal for four years

First year may double the renewal

Renewals must be level for six years

No commission may be paid at all

Question 39: A Minnesota Medicare supplement policy takes effect in March. The insured has a chronic condition that was neither diagnosed nor treated in the ninety days before that date. For how long must the policy cover that preexisting condition under Minnesota law?

During the first ninety days only

During the first twelve months of coverage

During the first six months of coverage

For the life of the policy

Question 40: A Faribault employer offers a group health plan under Minnesota's small employer law. One worker is scheduled year round for twenty-four hours each week, and a second works forty hours weekly but only as a seasonal hire. Which worker fits the statutory definition of an eligible employee?

Both workers are eligible employees

The seasonal worker, whose hours are longer

Neither worker meets the hours threshold

The year-round worker, not the seasonal one

MLAHP Minnesota Life Accident and Health Producer Exam - Set 1 - Part 2