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 DC-LH exam has 175 questions and runs 4 hours.
These 10 free DC-LH questions are organized by exam domain, so you can see how each part of the District of Columbia Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A life policy illustration shows flexible premiums, monthly mortality and expense deductions from cash value, and a choice between a level or increasing death benefit. The cash value is held in the insurer's general account rather than securities subaccounts. The product is:
Correct answer: B - Universal life
A 68-year-old annuitant wants income for life but also wants a beneficiary to receive any part of the original contract value not yet returned if death occurs early. The most suitable payout option is:
Correct answer: D - Life with refund
A $500,000 life policy was issued using an incorrect age. After the insured dies, the insurer confirms that the annual premium paid was $2,400 and that, at the correct age, the applicable rate would have been $8 per $1,000 of coverage. Under the age-misstatement provision, how much should the insurer pay?
Correct answer: A - $300,000
The owner of a cash-value life policy wants to take a policy loan. The named beneficiary is irrevocable, and the loan would impair that beneficiary's interest. Before the loan can proceed, the owner must obtain:
Correct answer: C - The irrevocable beneficiary's consent
A producer receives a $20,000 premium for a cash-value life policy from an unrelated third party. Two weeks later, the applicant requests surrender despite a substantial charge and refuses to explain the source of funds. The producer's best first action is to:
Correct answer: A - Report the red flags through the insurer's anti-money-laundering process
An elderly applicant is offered cash to buy a life policy that an unrelated investment group will control from inception and receive at death. The arrangement was planned before the application. This arrangement is best characterized as:
Correct answer: C - Stranger-originated life insurance arranged for an investor at inception
A 52-year-old owns a modified endowment contract with $40,000 of gain. She takes a $15,000 policy loan, and no statutory penalty exception applies. The federal income-tax consequence is:
Correct answer: D - $15,000 is taxable gain and is generally subject to a 10% additional tax
A producer uses an incomplete comparison that understates the surrender charge on an existing life policy and thereby induces the client to replace it. Under District of Columbia insurance law, this conduct constitutes:
Correct answer: B - Twisting
A D.C.-licensed producer signs an agency contract with an insurer on May 1 and submits the first application on May 20. Under the producer-appointment rule, the insurer should:
Correct answer: C - File within 30 days after May 1 because the earlier event controls
A D.C. employee's group life coverage terminates with employment. The employee dies 20 days later without applying for an individual conversion policy or paying its first premium, but was otherwise eligible to convert. The claim should be settled by:
Correct answer: A - Paying the convertible amount under the group policy
The DC-LH exam also covers these domains. Drill them in the full free practice test:
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