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 KSLH exam has 154 questions and runs 2 hours 30 minutes.
These 10 free KSLH questions are organized by exam domain, so you can see how each part of the Kansas Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An indexed universal life policy uses an 80% participation rate, a 6% cap, a 0% floor, and no spread. The index rises 9% for the crediting period, and normal policy charges remain due. What result should the owner expect?
Correct answer: C - Credit 6%; monthly charges can still lower the account value
A married couple wants one life policy to provide estate-settlement cash only after both spouses have died. They do not need a benefit at the first death. Which policy most directly matches that objective?
Correct answer: B - Survivorship life insurance
A policyowner named an adult child as the irrevocable beneficiary of a whole life policy. The owner now requests a policy loan that would reduce the net death benefit. Who must generally consent before the loan can be processed?
Correct answer: A - The irrevocable beneficiary
A whole life policyowner can no longer pay premiums but wants the existing face amount to remain in force for as long as the cash value will purchase, with no further premiums. Which nonforfeiture option meets that request?
Correct answer: D - Extended term insurance
An applicant pays the first premium on June 2 and receives a conditional receipt stating that coverage begins on the later of the application date or the required medical-exam date, provided the applicant was insurable as applied. The exam is completed June 4. The applicant dies June 6, and underwriting later confirms standard insurability on June 4. How should the claim be handled?
Correct answer: B - Treat coverage as effective June 4, subject to the policy's terms
An applicant seeks a large single-premium annuity using several money orders supplied by an unrelated third party. The applicant resists identification questions and asks the producer not to record the source of funds. What should the producer do next?
Correct answer: D - Follow the insurer's identification procedures and escalate the red flags internally without tipping off the applicant
Four owners of a closely held firm agree that, when one owner dies, the three survivors will use life-insurance proceeds they receive personally to buy the deceased owner's shares. Which arrangement have they established?
Correct answer: A - A cross-purchase buy-sell plan
A client wants to see specialists without a primary-care referral and wants some coverage when using out-of-network providers, accepting higher cost sharing outside the network. Which arrangement best fits?
Correct answer: C - Preferred provider organization (PPO)
Four claimants seek benefits under tax-qualified long-term-care policies using the standard chronic-illness trigger. Which claimant meets the functional-impairment requirement?
Correct answer: B - A claimant needing substantial help with bathing and dressing for an expected 120 days
An in-network major-medical claim has a $6,000 allowed expense. The member has a $1,000 deductible remaining, followed by 20% coinsurance, but only $400 remains before the plan's in-network out-of-pocket maximum is reached. The deductible and coinsurance both count toward that maximum, and there are no noncovered charges. What is the member's responsibility for this claim?
Correct answer: A - $400
The KSLH exam also covers these domains. Drill them in the full free practice test:
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