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 CT-LH exam has 95 questions and runs 2 hours 30 minutes.
These 10 free CT-LH questions are organized by exam domain, so you can see how each part of the Connecticut Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A 42-year-old client wants permanent life insurance with flexible premium payments, an adjustable death benefit, and interest credited through the insurer's general account. The client does not want to select separate-account investments. Which policy most closely fits these objectives?
Correct answer: B - Universal life
A whole life policyowner stops paying premiums and directs the insurer to use the policy's net cash value as a single premium for term insurance. The owner wants the original face amount to continue for a limited period. Which nonforfeiture option was elected?
Correct answer: D - Extended term insurance
A life policy names an irrevocable beneficiary. The owner later wants to pledge the policy to a bank as collateral for a business loan. What must occur before the assignment can impair the beneficiary's interest?
Correct answer: A - The irrevocable beneficiary must consent to the assignment
An applicant submits a life application, pays the first premium, and receives an insurability-type conditional receipt stating that coverage begins on the application date if the applicant was insurable exactly as applied for. The applicant dies before policy issue. Underwriting later confirms that the applicant met the insurer's standards for the requested class and amount on the application date. How should the death claim be treated?
Correct answer: C - Covered under the conditional receipt, subject to its limits
At age 45, the owner of a modified endowment contract has $80,000 of investment in the contract and $120,000 of cash value. The owner takes a $20,000 policy loan, and no exception to the 10% additional tax applies. What is the federal tax result?
Correct answer: C - The full $20,000 is taxable, and a 10% additional tax applies
A self-employed dentist becomes totally disabled. A separate personal disability policy will replace part of the dentist's income, but the practice still must pay rent, employee salaries, utilities, and equipment leases. Which policy is designed for those practice expenses?
Correct answer: A - Business overhead expense disability insurance
A licensed health care practitioner certifies that a tax-qualified long-term care policyholder is expected to need substantial assistance for six months with bathing, dressing, and transferring, while remaining able to perform the other three activities of daily living. There is no severe cognitive impairment. How should the functional trigger be interpreted?
Correct answer: D - It is met because substantial assistance is needed with at least two of six activities for 90 days or longer
For a nonemergency service, an out-of-network provider bills $8,000. The plan's allowed amount is $6,000, the member has a $1,000 unmet deductible, and the plan pays 80% after the deductible. Balance billing is permitted, and the out-of-pocket maximum has not been reached. What is the member's total responsibility for this claim?
Correct answer: B - $4,000
An individual disability policy states that, while premiums are paid, the insurer cannot cancel the insured's coverage or reduce benefits. The insurer may increase premiums only for the entire rating class. How is the policy classified?
Correct answer: D - Guaranteed renewable
A 69-year-old beneficiary in Original Medicare spends three nights in a hospital under outpatient observation status and then needs skilled nursing facility care. No statutory or demonstration waiver applies. How do those hospital nights affect the traditional qualifying-stay requirement?
Correct answer: C - They do not count because observation services are outpatient
The CT-LH exam also covers these domains. Drill them in the full free practice test:
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