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 INLH exam has 150 questions and runs 3 hours.
These 10 free INLH questions are organized by exam domain, so you can see how each part of the Indiana Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A couple wants to convert an annuity into lifetime income. They accept a smaller initial payment so that 75% of the payment will continue for as long as either spouse is alive. Which payout option fits this objective?
Correct answer: A - Joint and 75% survivor
After 18 years, a whole-life policyowner can no longer afford premiums. The owner wants permanent insurance to remain in force, accepts a lower death benefit, and does not want to pay another premium. Which nonforfeiture choice best matches those priorities?
Correct answer: A - Reduced paid-up insurance
An applicant pays the first premium and receives a conditional receipt stating that coverage begins on the medical-exam date if the applicant is insurable as applied for. The exam is completed that day, and underwriting later confirms the applicant met the standard requirements on that date. The applicant dies accidentally before the policy is delivered. Which conclusion is most accurate?
Correct answer: C - Coverage is effective from the exam date under the receipt
A 45-year-old owns a Modified Endowment Contract with a $90,000 cash value and a $70,000 investment in the contract. With no applicable exception, the owner takes a $30,000 policy loan. Which federal tax result is most accurate?
Correct answer: B - $20,000 is ordinary income, with a $2,000 additional tax
A self-employed dentist becomes totally disabled. The dentist already owns personal disability-income coverage but wants the practice to keep paying office rent, utilities, employee salaries, and equipment leases for up to 18 months. Which policy is designed for that need?
Correct answer: D - Business-overhead expense insurance
An in-network plan has a $1,000 annual deductible, 80/20 coinsurance, and a $3,000 out-of-pocket maximum. Deductible and coinsurance count toward the maximum. Before a new claim, the insured has $400 of deductible remaining and has already accumulated $1,500 toward the maximum. The allowed charge is $8,400. What amount is the insured responsible for on this claim?
Correct answer: B - $1,500
A 67-year-old is actively employed by a company with 75 employees and is covered under that employer's current-employment group health plan. The employee is also enrolled in Medicare. For a covered physician service, which payer is generally primary?
Correct answer: D - The employer group health plan
An MIB-coded alert conflicts with a life applicant's medical history as reported on the application. What is the appropriate underwriting response?
Correct answer: A - Treat the alert as an investigative lead and obtain authorized evidence
An Indiana resident producer holds both Life and Accident & Health authority. During the two-year renewal period, the producer completes 21 hours of general continuing education and 3 hours of approved ethics education. What is the producer's remaining baseline CE requirement?
Correct answer: D - None; the 24 hours already include the required 3 ethics hours
An Indiana health plan subject to the state's mammography mandate covers a 37-year-old woman who has no listed elevated-risk factor and has never had a mammogram. What screening benefit must the plan provide at minimum?
Correct answer: A - One baseline mammogram during ages 35 through 39
The INLH exam also covers these domains. Drill them in the full free practice test:
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