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For future life and health insurance producers studying the national core — policies, provisions, and producer rules.

General national life & health content — check your state’s outline · Written and maintained by Todd Lavergne, Todd Lavergne Media · Last updated Oct 2026

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Producer exams mix product details with ethics. Skipping either side shows up fast in multiple-choice.

What’s inside

Topic lessons, 56 practice questions with answers and explanations, a quick-reference sheet, and a study plan.
56 questions with answers and short explanations (Q&A pairs in the PDF)
Instant PDF download after payment — link also arrives by email

Who this is for

For future life and health insurance producers studying the national core — policies, provisions, and producer rules.

What’s not included

National core only — you still need your state’s law section. Not affiliated with NAIC or any state department. Not legal advice.

Free sample: 5 questions from the guide

Taken straight from the Life & Health Insurance guide. Try each one, then tap “Show answer.”

Insurable interest in life insurance must exist:
- A. Only at death
- B. At application (and typically at issue) for the policy to be valid
- C. Never
- D. Only if the beneficiary is a corporation
Show answer
Answer: B — Life: interest at inception. Property: often at loss too.
Universal life is distinctive because:
- A. It cannot skip a premium
- B. Flexible premium and adjustable death benefit, with cash value earning interest or indexed/variable crediting
- C. It is always variable-only
- D. It has no cost of insurance
Show answer
Answer: B — UL can lapse if funding is too thin.
An HMO generally:
- A. Pays any out-of-network specialist with no gatekeeper
- B. Uses a network and often a PCP gatekeeper
- C. Is the same as an indemnity plan with no network
- D. Covers only dental
Show answer
Answer: B — PPO: network discounts plus out-of-network at a cost. EPO: network, little out-of-network.
Twisting is:
- A. Ethical replacement with full comparison
- B. Misleading a client to drop a policy so you can write a new one
- C. Required CE
- D. A type of rider
Show answer
Answer: B — Replacement is legal when honest and documented. Twisting is the lie.
Failing to disclose a required illustration or buyer’s guide is:
- A. Good efficiency
- B. A disclosure violation
- C. Underwriting
- D. Subrogation
Show answer
Answer: B — Life illustrations have rules. Do not show only the rosy column.

Practice questions are original teaching items, not real exam questions. Independent study aid; not affiliated with or endorsed by the exam provider.

Already using a main course or textbook? This $10 guide is a low-cost add-on: a compact review plus original practice questions with explanations to check your weak spots.

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Study-aid disclaimer: Independent study aid. Not affiliated with the exam administrators. Original questions. No pass guarantee. Not legal or investment advice.

Need more practice later? Question bank page (coming next).