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These 10 free AZ-LAH questions are organized by exam domain, so you can see how each part of the Arizona Life, Accident & Health Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
An insurer uses a consumer report to offer an applicant coverage at a higher premium than requested. Because the report contributed to the decision, federal law requires the insurer to:
Correct answer: B - Send an adverse-action notice identifying the agency, stating it did not decide, and explaining the 60-day free-report and dispute rights
After terminating a producer's appointment, an insurer leaves the producer listed on its website and permits continued use of insurer-branded sales materials. A prospect reasonably believes the producer is still authorized. The prospect's belief most directly implicates:
Correct answer: A - Apparent authority
An applicant applies for life insurance and pays the initial premium on May 2. The conditional receipt states that coverage begins on the later of the application date or required medical examination date, provided the applicant was insurable as applied on that date. The examination is completed May 5. The applicant dies May 7, and underwriting later confirms standard insurability as of May 5. On what date did temporary coverage begin?
Correct answer: A - May 5
For ten years, a universal life owner has paid the illustrated target premium. Credited interest later falls, mortality charges rise, and the account value becomes insufficient to cover monthly deductions. The policy has no no-lapse guarantee. What is the most accurate explanation?
Correct answer: D - The policy can enter its grace period and lapse even though every target premium was paid
A whole life policyowner can no longer pay premiums but wants to keep the original death benefit for as long as the policy's net cash value will purchase protection. Lifetime coverage is less important than preserving the full face amount now. Which nonforfeiture option best matches this objective?
Correct answer: D - Extended term insurance
A life policy names the insured's three adult children as equal beneficiaries, per stirpes. One child dies before the insured, leaving two children. The other two named children survive. How should the proceeds be divided?
Correct answer: C - Each surviving child receives one-third; the grandchildren split their parent's one-third
A fixed indexed annuity credits interest using a 60% participation rate, a 7% cap, and no spread. The index rises 14% during the crediting period. Before contract charges, the credited rate is:
Correct answer: D - 7%
An Arizona individual accident and health policy is reinstated effective April 1, and all other claim conditions are satisfied. Which loss is eligible under the standard reinstatement timing rules?
Correct answer: B - Accidental injury occurring April 2
A Silver health plan has a 70% actuarial value. For one covered in-network service, the plan's allowed amount is $6,000. The member has $1,000 of deductible remaining, then pays 20% coinsurance, and has not reached the out-of-pocket maximum. What amount is the member responsible for?
Correct answer: B - $2,000
A licensed health-care practitioner certifies that an insured with severe cognitive impairment needs substantial supervision to avoid threats to health and safety. The insured can still perform all six activities of daily living. How should a tax-qualified long-term care policy evaluate the benefit trigger?
Correct answer: C - Treat the cognitive-supervision criterion as an independent trigger
The AZ-LAH exam also covers these domains. Drill them in the full free practice test:
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