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.
The NHLAH exam has 150 questions and runs 2 hours 30 minutes.
These 10 free NHLAH questions are organized by exam domain, so you can see how each part of the New Hampshire Life, Accident & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A producer deposits a client's $4,200 premium into the agency operating account, uses part of it to pay rent, and restores the full amount before the insurer's remittance deadline. Under New Hampshire producer rules, this conduct is best characterized as:
Correct answer: C - Conversion of fiduciary funds despite the later replacement
A life insurer declines an application partly because of information in a consumer report. Which notice most directly satisfies the Fair Credit Reporting Act?
Correct answer: D - An adverse-action notice naming the reporting agency, stating it did not make the decision, and giving 60-day report and dispute rights
For several years, an insurer has supplied a producer with branded receipt forms, accepted premiums collected by that producer, and never warned applicants that the producer lacked authority to receive them. An applicant's reasonable belief arising from the insurer's conduct is an example of:
Correct answer: A - Apparent authority
A family uses the needs approach to estimate additional life insurance. Immediate cash needs are $230,000, income-replacement capital is $610,000, and education funding is $140,000. They have $125,000 in usable liquid assets and $205,000 of existing life insurance. What additional amount is indicated?
Correct answer: B - $650,000
An applicant submits a life application with the full initial premium and receives a conditional receipt stating that coverage begins on the later of the application date or medical-exam date if the applicant was insurable at the applied-for rate on that date. The medical exam occurs June 4. The applicant dies June 9 before policy issue, and underwriting later confirms the applicant met the stated standard on June 4. What follows under the receipt?
Correct answer: D - Coverage begins June 4, subject to the receipt's stated limits and conditions
An MIB report contains a code suggesting a prior cardiac evaluation that the current application does not mention. The code should be used to:
Correct answer: A - Prompt authorized verification before the underwriter classifies the risk
A client wants permanent life insurance with flexible premiums and the ability to allocate cash value among separate-account stock and bond options. The client accepts both market risk and the possibility of lapse if funding is inadequate. Which policy fits these requirements?
Correct answer: C - Variable universal life
An employee's New Hampshire group life coverage terminates with employment. The employee dies 20 days later, during the 31-day conversion period, without applying for an individual policy or paying a conversion premium. How is the convertible amount treated?
Correct answer: B - It is payable as a claim under the group policy
The insured dies in an accident. A contingent beneficiary is named, and the primary beneficiary is proven to have survived the insured by 96 hours. The policy contains no clause specifying a different survival period. Under New Hampshire's statutory 120-hour rule, who receives the proceeds?
Correct answer: B - The contingent beneficiary, because the primary is deemed to have predeceased
After a job loss, a whole-life policyowner can no longer pay premiums but wants coverage to remain permanent for life, even at a lower face amount. Which nonforfeiture choice matches that priority?
Correct answer: A - Reduced paid-up insurance
The NHLAH exam also covers these domains. Drill them in the full free practice test:
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