Free Washington Life & Health Insurance License Exam Practice Test

Sample WA L&H practice questions

Try a few representative questions below. Each includes the correct answer and a short explanation — the same style you'll see in the full practice test.

1. Question 1Long-Term Care Insurance

   A Washington State resident, Sarah, is enrolled in a qualified long-term care insurance policy. She is currently receiving benefits for a chronic illness that requires her to need assistance with at least two activities of daily living (ADLs) for the past six months. Her policy has a 90-day elimination period and a lifetime benefit limit of $150,000 with a daily benefit of $100. If Sarah has been receiving benefits for 180 days, how much has she received in total benefits, and what is the remaining benefit amount?

   • A.$15,000 received, $135,000 remaining
   • B.$17,100 received, $132,900 remaining
   • C.$18,000 received, $150,000 remaining
   • D.$18,000 received, $132,000 remaining(Correct)

   Explanation

   Sarah receives $100 per day. She has been receiving benefits for 180 days (6 months). Total benefits received = 180 days * $100/day = $18,000. Remaining benefit amount = Lifetime benefit limit - Benefits received = $150,000 - $18,000 = $132,000. The elimination period is irrelevant to the amount received after benefits have commenced.

2. Question 2Health Insurance & HIPAA

   Under Washington State's Health Insurance Portability and Accountability Act (HIPAA) provisions related to group health plans, which of the following is NOT a protected health information (PHI) element?

   • A.Patient's date of birth and admission date
   • B.Health plan beneficiary number
   • C.Patient's medical record number
   • D.The specific diagnosis code for a covered condition(Correct)

   Explanation

   While diagnosis codes are part of health information, HIPAA's definition of PHI focuses on information that identifies an individual and relates to their past, present, or future physical or mental health condition, provision of health care, or payment for health care. Specific diagnosis codes alone, without other identifiers, are not typically considered PHI unless linked to an individual. The other options are all direct identifiers or components of identifiers.

3. Question 3Life Insurance Riders

   A Washington State life insurance policy owner has a policy with a face amount of $250,000. The policy includes an accidental death benefit (ADB) rider for double indemnity. If the insured dies in an accident, what is the total death benefit paid to the beneficiary?

   • A.$250,000
   • B.$375,000
   • C.$750,000
   • D.$500,000(Correct)

   Explanation

   The face amount of the policy is $250,000. The accidental death benefit rider provides double indemnity, meaning it pays double the face amount in the event of accidental death. Therefore, the total death benefit paid is $250,000 * 2 = $500,000.

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