NHPCI - New Hampshire Property and Casualty Insurance

Question 1: A New Hampshire agency, a business entity rather than an individual, solicits and negotiates property and casualty insurance without ever obtaining a producer licence from the Commissioner. Which of the following correctly states how New Hampshire law classifies this unlicensed activity when the violator is not a natural person?

A class A misdemeanor only

A civil penalty, not criminal

No violation absent actual intent

A felony for the entity

Question 2: A salaried employee of a New Hampshire manufacturing company answers routine questions about the employer's own group insurance during open enrollment but receives no commission tied to enrollment. Which of the following best describes why this activity does not require the employee to hold a producer licence?

It falls within a statutory exception

The company itself is exempt

Group insurance never needs licensing

Only agents need a licence

Question 3: New Hampshire's producer licensing chapter opens with a definitions section that fixes the meaning of key words used throughout the chapter before any substantive licensing duty is set out. Which of the following correctly describes the scope of that definitions section within New Hampshire's licensing chapter?

It defines only five terms

It lists licensing exceptions only

It defines seventeen distinct terms

It sets continuing education hours

Question 4: A properly qualified nonresident applicant satisfies every condition New Hampshire imposes for a nonresident producer licence, including holding a home-state licence in good standing. Which of the following correctly describes the Commissioner's duty toward that applicant once every statutory condition has been met?

The Commissioner may deny at discretion

A public hearing is required first

Only a temporary licence issues

The applicant shall receive the licence

Question 5: New Hampshire's licensing chapter contains a separate provision addressing how the state treats nonresident producers already licensed and in good standing in their home state. Which of the following best names the legal doctrine that provision establishes for nonresident insurance producers seeking to operate in New Hampshire?

Licensing reciprocity with the home state

Automatic licence by mail only

A residency waiver for veterans

Mandatory retesting in New Hampshire

Question 6: The Commissioner grants a temporary producer licence to an applicant who needs to operate immediately while a permanent licence application is still pending review. Which of the following correctly states how long that temporary licence remains valid under New Hampshire's licensing chapter before it expires?

Ninety days

One calendar year

One hundred eighty days

Thirty days

Question 7: A producer's New Hampshire licence has no fixed expiration date printed on it, yet the producer still loses the right to operate after failing to pay the renewal fee and complete continuing education. Which of the following best explains why the licence lapsed despite carrying no expiration date?

Licences expire automatically after one term

Only unpaid fees cause lapse

The Commissioner revoked it arbitrarily

Perpetual licence, conditioned on compliance

Question 8: A New Hampshire producer wants to do business under a trade name different from the producer's licensed legal name and files the required paperwork with the Commissioner before ever using that new name. Which of the following correctly describes what else New Hampshire requires beyond a filed notice?

The Commissioner's affirmative approval

Nothing further beyond the notice

A public newspaper publication

A separate licence for that name

Question 9: A New Hampshire producer is criminally charged in another state and separately receives a final administrative action from that state's regulator in the same month. Which of the following correctly pairs each event with the reporting clock New Hampshire's licensing chapter starts for it?

Arrest date; and sentencing date

Filing date; and appeal date

Pretrial hearing date; final disposition date

Conviction date; and hearing date

Question 10: An applicant who recently held a producer licence elsewhere, cancelled only because the applicant moved away, applies for a New Hampshire licence shortly after establishing legal residence here. Which of the following correctly states the window during which this applicant may skip prelicensing education and examination?

Thirty days from establishing residence

One hundred eighty days total

No time limit applies

Ninety days from establishing residence

Question 11: A New Hampshire bank sets up an insurance sales program staffed by its own employees and wants to also underwrite the policies it sells through that program. Which of the following correctly states what New Hampshire law permits and requires for a bank operating this kind of insurance sales program?

Selling only, with both licensed

Underwriting allowed if disclosed

Selling with only employees licensed

Underwriting through a licensed subsidiary

Question 12: A licensed New Hampshire property and casualty producer wants to keep the licence active heading into the next renewal cycle and asks a compliance officer how many continuing education hours the state requires and over what recurring period. Which of the following correctly states that recurring requirement for producers?

Fifteen hours every twelve months

Twenty-four hours every twenty-four months

Twenty-four hours every twelve months

Thirty hours every twenty-four months

Question 13: A producer's New Hampshire licence renewal date is approaching, and the producer has been putting off finishing the required continuing education hours for the current cycle. Which of the following correctly states how far in advance of the actual renewal date those continuing education hours must be completed?

Thirty days before renewal

On the renewal date itself

Sixty days before renewal

Ninety days before renewal

Question 14: A New Hampshire-licensed public adjuster is preparing continuing education plans for the upcoming renewal cycle and wants to know how many total hours apply to that specific adjuster category rather than the hours required of an ordinary property and casualty producer. Which of the following correctly states that total?

Twenty-four hours

Ten hours

Thirty hours

Fifteen hours

Question 15: A New Hampshire producer completes far more continuing education hours than the current renewal cycle requires and assumes the surplus hours will count toward the next cycle's total automatically. Which of the following correctly states what New Hampshire law actually does with those unused excess hours?

They do not carry over

Half carry over automatically

They carry over fully

They convert into ethics credit

Question 16: A producer newly obtains the property and casualty line of authority in New Hampshire and must complete a specific flood-related continuing education course, identifiable by a particular course prefix, within a set window after obtaining that line. Which of the following correctly states the deadline and course prefix involved?

One calendar year, NAIC prefix

One calendar year, FEMA prefix

Two calendar years, FEMA prefix

Ninety days, FEMA prefix

Question 17: New Hampshire's insurance statute fixes a specific length of time that the Commissioner of the Insurance Department serves in office before that position must be filled again through reappointment or a new appointment. Which of the following correctly states the length of that term of office?

Four years

Six years

Five years

Two years

Question 18: The New Hampshire Insurance Department has not formally examined a particular domestic insurer for several years, and the insurer's compliance officer asks how often state law actually requires such an examination to occur. Which of the following correctly states that minimum required examination frequency for a domestic insurer?

At least once every three years

At least once every ten years

Only after a consumer complaint

At least once every five years

Question 19: During a formal examination, the Commissioner sends a written request to an insurer demanding production of specific underwriting files and claim records relevant to the review. Which of the following correctly states the deadline, measured in working days, by which the insurer must produce those requested documents?

Ten working days

Ten calendar days

Thirty working days

Five working days

Question 20: The Commissioner finds that an insurer committed a single violation and imposes an administrative fine for that act, and the insurer's counsel wants to confirm whether the amount imposed could lawfully have been higher because the violation was committed knowingly. Which of the following correctly describes New Hampshire's fine structure?

A higher tier for knowing violations

A flat ceiling, no higher tier

An unlimited fine for wilful acts

A doubled fine for repeat violators

NHPCI New Hampshire Property and Casualty Insurance - Set 1 - Part 1

Question 9: A New Hampshire producer is criminally charged in another state and separately receives a final administrative action from that state's regulator in the same month. Which of the following correctly pairs each event with the reporting clock New Hampshire's licensing chapter starts for it?

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