TLAHI - Tennessee Life and Accident and Health Insurance Exam

Question 21: A Tennessee producer prepares to renew and reviews the continuing education requirement for the two-year cycle, wanting to confirm both the total hours and any special subject requirement before she files. What does Tennessee require for continuing education each renewal cycle?

Twenty-four hours, three in ethics

Twelve hours, none in ethics

Forty hours, ten in ethics

No continuing education is required

Question 22: A veteran Tennessee producer has held his license without interruption since the early 1990s and questions whether he still owes continuing education, since a distinctive Tennessee grandfather rule may apply. Which producers does Tennessee exempt from continuing education?

Producers over age sixty-five

Producers holding a college degree

Producers licensed more than five years

Producers continuously licensed since January 1, 1994

Question 23: A Tennessee producer wants to sell long-term care insurance and learns of a training requirement layered on top of the ordinary continuing education, and asks about the structure of that training. What long-term care training does Tennessee require?

A single one-hour webinar

Eight hours once, then four hours ongoing

Twenty-four hours every year

No special training is required

Question 24: A Tennessee life producer intends to recommend annuities and hears about a mandatory training course adopted with the best-interest rules, and asks how many credits the one-time course carries. What annuity training does Tennessee require before selling annuities?

Sixteen credits every year

No annuity training at all

A one-time four-credit course

A two-credit course each renewal

Question 25: A Tennessee producer finds an old rulemaking filing online stating twelve credit hours each year for continuing education, and it conflicts with the Department's current guidance. Which figure should the producer rely on for the continuing education requirement?

Twelve hours each year from the filing

Twenty-four hours biennially with three in ethics

Whichever figure happens to be larger

The requirement was repealed entirely

Question 26: A Tennessee insurer decides to appoint a newly hired producer so she may represent the company, and the company back office asks about the fee charged for each appointment. What appointment fee does Tennessee set per producer appointment?

Fifty dollars

Sixty dollars

One hundred dollars

Fifteen dollars

Question 27: A Tennessee compliance officer notes that appointing a producer and terminating that appointment are governed by different statutes, and wants to describe the structure accurately in a brief training memo. How does Tennessee organize appointment and termination authority?

Both sit in one combined statute

Termination is handled only by courts

In separate statutes for each function

Neither requires notice to the Department

Question 28: A Tennessee producer wants to place business with a nonadmitted insurer and learns from a colleague that this requires a distinct credential, then asks how Tennessee treats surplus lines authority overall. Which statement best describes surplus lines licensing in Tennessee?

Any producer may place surplus lines freely

It is a separate license class

Only the insurer needs a license

Surplus lines are banned in Tennessee

Question 29: A Tennessee producer is convicted of a felony in an unrelated matter, and this single event can create more than one obligation under Tennessee law. Which of these best describes the consequences that can flow from that one event?

Both a reporting duty and discipline

Only a private civil lawsuit

Nothing until the next renewal

An automatic refund of fees

Question 30: A Tennessee agency owner dies, and someone must temporarily service the book of business, so a staff member asks how Tennessee law addresses this specific situation. What is the safest accurate statement about temporary producer licenses in Tennessee?

They last exactly one hundred days

They are never issued in Tennessee

They require passing a second exam

Tennessee provides for them by statute

Question 31: A Tennessee producer keeps client premium money for personal use instead of remitting it to the insurer, and the Commissioner reviews which statutory ground best fits this conduct. Which ground for license action does misusing premium funds describe?

Forging another's signature

Failing to complete continuing education

Improperly withholding or converting money received

Advertising without a disclaimer

Question 32: A Tennessee producer engages in a pattern of dishonest dealings that does not fit neatly into a single specific offense, so the Commissioner looks for the broad ground that captures untrustworthy conduct. Which enumerated ground serves as Tennessee's catch-all for such behavior?

Dishonest practices or demonstrating untrustworthiness

Failing to display the license

Missing a single renewal deadline

Selling an unapproved policy form

Question 33: A Tennessee producer falls out of compliance with a court-ordered child-support obligation and is surprised to hear from a colleague that his insurance license could be affected as a result. Which statement accurately reflects Tennessee law on this point?

Child support cannot affect a license

The license may be suspended or denied

Only a criminal court may act

The Commissioner must ignore it

Question 34: A Tennessee producer commits several separate violations of the insurance law after 2011, and the Commissioner considers a monetary penalty for the ordinary violations. Up to what amount per violation may the Commissioner order for an ordinary violation?

Up to one hundred dollars

Up to five hundred dollars

Up to ten thousand dollars

Up to one thousand dollars

Question 35: A Tennessee licensee is found to have knowingly violated the insurance law before the 2011 change in penalty statutes, and the knowing nature raises the stakes. What per-violation penalty applies to a knowing violation under the earlier section?

Up to one thousand dollars

Up to five thousand dollars

Up to twenty-five thousand dollars

No penalty applies to knowing acts

Question 36: A Tennessee insurer continues a prohibited practice for several days despite a clear rule against it, and the Commissioner weighs how to count the conduct for penalty purposes. How does Tennessee treat a continuing violation when imposing monetary penalties?

Each day is a separate violation

The whole episode is one violation

Only the first day counts

Penalties cannot exceed one day

Question 37: A Tennessee producer receives a final order from the Commissioner and wants to challenge it in court, and a colleague mentions both a deadline and a specific court. Where and within what period does Tennessee direct a petition for judicial review of a final order?

Court of appeals within thirty days

Federal court within ninety days

Any trial court within one year

Chancery court within sixty days

Question 38: A Tennessee licensee receives an initial order and wants to seek reconsideration or appeal within the agency before it becomes final, and asks about the deadline for that step. How long does Tennessee allow to petition for appeal or reconsideration of an initial order?

Sixty days

Fifteen days

Ninety days

One year

Question 39: A Tennessee study group examines the state's unfair trade practice law and notices the prohibition and the definitions sit in different sections, and they also debate the year of the governing act. Which statement is accurate about this Tennessee law?

One section both prohibits and defines

The governing act dates from 1947

Different sections prohibit and define practices

The definitions are federal, not state

Question 40: A Tennessee producer offers a software tool to every client on the same terms, describing it as a routine part of doing business, and a competitor claims this is an illegal rebate. Under Tennessee's approach, what determines whether the offering is a rebate?

Whether it is selective rather than uniform

Whether it costs more than twenty-five dollars

Whether it is delivered in writing

Whether the client requested it

TLAHI Tennessee Life and Accident and Health Insurance Exam - Set 1 - Part 2