Without the commissioner's authority, an officer of a domestic insurer destroys original books and records the insurer is required to keep. What sanction does the records statute impose on the officer?

A fine of up to $5,000 imposed on the officer

Louisiana's producer license renewal provision requires a producer to complete continuing education before filing for renewal. On the question of who may administer or manage the continuing education program, what does that provision say?

It authorizes administration or management only by Department of Insurance employees

The commissioner has approved the summary document that Louisiana's life and health insurance guaranty association prepared describing the association's purposes and limitations. For a policy of a type the association covers, what does the statute require of a member insurer?

Starting sixty days after approval, it must give the document before or when the policy is delivered

A group insurer readjusts the premium rate on a group policy at the end of its first year because claims under that policy ran higher than expected. For this readjustment to fall outside Louisiana's prohibitions on unfair discrimination and rebates, how far back may it be made retroactive?

Only for the policy year just ending

Louisiana requires certain health coverage to include treatment and correction of cleft lip and cleft palate. Which of the following, renewed in Louisiana in 2026, falls outside that requirement?

A limited benefit health insurance policy authorized in Louisiana

A Louisiana employer that provides prescription drug benefits through its health program knowingly conditions payment for retirees' prescriptions on their use of a mail order pharmacy. The program was adopted unilaterally by the employer, outside any agreement with its employees. Upon conviction, what is the maximum fine the employer faces under the statute barring this practice?

A fine of up to five hundred dollars

Which statement correctly describes how Louisiana's mandate for childhood immunization benefits treats a limited benefit health insurance policy?

The mandate does not reach the policy, so the statute requires no such benefit

An insurer fails to file its renewal company appointments with the commissioner. The appointment form it should have filed names 20 licensed producers. What fine does R.S. 22:1558(B)(3) impose on the insurer?

$200, at $10 for each license named

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1.Without the commissioner's authority, an officer of a domestic insurer destroys original books and records the insurer is required to keep. What sanction does the records statute impose on the officer?
Answer: B. A fine of up to $5,000 imposed on the officer
Louisiana's statute on the books and records of domestic insurers provides that any director, officer, agent or employee who destroys required books, records or documents without the commissioner's authority, or who fails to keep the required records, is to be fined not more than five thousand dollars. The sanction runs against the individual, so the claim that only the insurer can be sanctioned is wrong. A fine of $1,000 per record and a fine of $25,000 per act are not the figures this statute sets.
Source
La. Rev. Stat. Sec. 22:68(D)
Choose an answer to see the explanation.
2.The commissioner finds that a person committed several unfair trade practices without knowing, and without any reason to know, that the conduct violated the law. In the order that follows that finding, what is the most the commissioner may impose in total monetary penalties for those violations?
Answer: C. $100,000 in total
Louisiana caps the ordinary penalty at $1,000 for each act or violation and $100,000 in the aggregate. Higher limits apply only when the person knew or reasonably should have known of the violation. The $500,000 figure is the aggregate cap for that knowing case, measured over any six-month period, so it does not fit a person with no reason to know. The $250,000 figure is the aggregate cap under a separate section for violating a cease and desist order, which is not what happened here. $25,000 is the per-act ceiling for a knowing violation, not an aggregate for an unknowing one.
Source
La. Rev. Stat. Sec. 22:1969(A)(1)
Choose an answer to see the explanation.
3.An insurer keeps forms that claimants use to submit claims. Under Louisiana's list of unfair claims settlement practices, within what period after a request must the insurer supply those forms, along with reasonable explanations of how to use them?
Answer: B. Within fifteen calendar days
Among Louisiana's unfair claims settlement practices is failing to supply claim forms within fifteen calendar days of a request, with reasonable explanations of their use, where the insurer keeps forms for that purpose. Like the other practices on that list, it is unfair when committed with such frequency as to indicate a general business practice. Ten business days and thirty days are deadlines the same section sets for furnishing loss history to a first named insured, not for claim forms. Twenty-one days is not the period the statute sets.
Source
La. Rev. Stat. Sec. 22:1964(14)(o)
Choose an answer to see the explanation.
4.Louisiana's producer license renewal provision requires a producer to complete continuing education before filing for renewal. On the question of who may administer or manage the continuing education program, what does that provision say?
Answer: C. It authorizes administration or management only by Department of Insurance employees
R.S. 22:1547(C)(3) requires the producer to satisfy continuing education before the renewal filing date and to certify completion to the commissioner. It then states that nothing in that subsection authorizes anyone other than Department employees to administer or manage the continuing education program, whether by contract or otherwise. A private vendor contract is the very arrangement the provision withholds, and the only people it names for the program are Department employees, not course providers or appointing insurers.
Source
La. Rev. Stat. Sec. 22:1547(C)(3)
Choose an answer to see the explanation.
5.The commissioner has approved the summary document that Louisiana's life and health insurance guaranty association prepared describing the association's purposes and limitations. For a policy of a type the association covers, what does the statute require of a member insurer?
Answer: C. Starting sixty days after approval, it must give the document before or when the policy is delivered
Beginning sixty days after the commissioner approves the association's summary document, a member insurer may deliver a covered policy or contract only if the document is delivered to the owner before or at the time the policy is delivered. The document must also be available on request, but that is in addition to delivery with the policy, not a substitute for it. The answers keyed to the approval date with thirty days after delivery, and to 180 days after approval with ten days after delivery, both misstate the starting point and allow delivery after the policy. The 180-day period in the statute governed the association's preparation of the document, not its delivery.
Source
La. Rev. Stat. Sec. 22:2098(B)
Choose an answer to see the explanation.
6.A group insurer readjusts the premium rate on a group policy at the end of its first year because claims under that policy ran higher than expected. For this readjustment to fall outside Louisiana's prohibitions on unfair discrimination and rebates, how far back may it be made retroactive?
Answer: A. Only for the policy year just ending
Louisiana's unfair trade practices law lists certain practices that are not treated as discrimination or rebates. One is readjusting a group policy's premium rate based on that policy's loss or expense experience at the end of the first or a later year of coverage, and the statute allows the readjustment to be retroactive only for that policy year. Reaching back three years, or to the policy's original effective date, goes beyond that limit. The statute does permit retroactivity for the year in question, so a rule allowing only future changes understates what it allows.
Source
La. Rev. Stat. Sec. 22:1964(8.1)(c)
Choose an answer to see the explanation.
7.Louisiana requires certain health coverage to include treatment and correction of cleft lip and cleft palate. Which of the following, renewed in Louisiana in 2026, falls outside that requirement?
Answer: D. A limited benefit health insurance policy authorized in Louisiana
The cleft lip and cleft palate mandate reaches health coverage delivered, issued for delivery or renewed in Louisiana on or after January 1, 1998, and its list of covered contracts expressly includes employee welfare benefit plans, group insurance plans and self-insurance plans providing medical and surgical benefits. The section then excludes limited benefit health insurance policies and contracts, so that policy is the one outside the requirement.
Source
La. Rev. Stat. Sec. 22:1026(B)
Choose an answer to see the explanation.
8.A Louisiana employer that provides prescription drug benefits through its health program knowingly conditions payment for retirees' prescriptions on their use of a mail order pharmacy. The program was adopted unilaterally by the employer, outside any agreement with its employees. Upon conviction, what is the maximum fine the employer faces under the statute barring this practice?
Answer: A. A fine of up to five hundred dollars
Louisiana bars an employer that provides prescription drug benefits under a health program from knowingly making use of a mail order pharmacy a condition of payment, and a violator, upon conviction, faces a fine of not more than $500. The section's exception for plans provided under an agreement with employees does not apply here, because this program was adopted outside any agreement. The $1,000, $5,000 and $10,000 figures all exceed the maximum the section sets.
Source
La. Rev. Stat. Sec. 22:1011(C)
Choose an answer to see the explanation.
9.Which statement correctly describes how Louisiana's mandate for childhood immunization benefits treats a limited benefit health insurance policy?
Answer: B. The mandate does not reach the policy, so the statute requires no such benefit
Louisiana requires health coverage delivered or issued for delivery on or after January 1, 1993, to include benefits for immunizations of dependent children from birth to age six, but the section states that its provisions do not apply to limited benefit health insurance policies or contracts. The three answers saying the mandate applies are therefore wrong whatever qualification they attach. Where the section does apply, it also bars subjecting the required coverage to a policy deductible.
Source
La. Rev. Stat. Sec. 22:1030(D)
Choose an answer to see the explanation.
10.An insurer fails to file its renewal company appointments with the commissioner. The appointment form it should have filed names 20 licensed producers. What fine does R.S. 22:1558(B)(3) impose on the insurer?
Answer: C. $200, at $10 for each license named
R.S. 22:1558(B)(3) fines an insurer that fails to file its renewal company appointments $10 for each license named in its appointment form, so 20 licenses produce a $200 fine. The subsection sets no flat amount and no per-license rate of $25 or $50.
Source
La. Rev. Stat. Sec. 22:1558(B)(3)
Choose an answer to see the explanation.

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The scored exam is free, 20 questions in 30 minutes, and needs an account. These 10 do not.

1.Without the commissioner's authority, an officer of a domestic insurer destroys original books and records the insurer is required to keep. What sanction does the records statute impose on the officer?

2.The commissioner finds that a person committed several unfair trade practices without knowing, and without any reason to know, that the conduct violated the law. In the order that follows that finding, what is the most the commissioner may impose in total monetary penalties for those violations?

3.An insurer keeps forms that claimants use to submit claims. Under Louisiana's list of unfair claims settlement practices, within what period after a request must the insurer supply those forms, along with reasonable explanations of how to use them?

4.Louisiana's producer license renewal provision requires a producer to complete continuing education before filing for renewal. On the question of who may administer or manage the continuing education program, what does that provision say?

5.The commissioner has approved the summary document that Louisiana's life and health insurance guaranty association prepared describing the association's purposes and limitations. For a policy of a type the association covers, what does the statute require of a member insurer?

6.A group insurer readjusts the premium rate on a group policy at the end of its first year because claims under that policy ran higher than expected. For this readjustment to fall outside Louisiana's prohibitions on unfair discrimination and rebates, how far back may it be made retroactive?

7.Louisiana requires certain health coverage to include treatment and correction of cleft lip and cleft palate. Which of the following, renewed in Louisiana in 2026, falls outside that requirement?

9.Which statement correctly describes how Louisiana's mandate for childhood immunization benefits treats a limited benefit health insurance policy?

10.An insurer fails to file its renewal company appointments with the commissioner. The appointment form it should have filed names 20 licensed producers. What fine does R.S. 22:1558(B)(3) impose on the insurer?

The other 304 questions are $29.