An employer's human resources staff administers an insured employee benefits program for the employer's own employees. Which circumstance would take the staff outside New Hampshire's licensing exemption for this activity?

The insurer issuing the contracts pays the staff a bonus for running the program.

An auto insurer settles a collision claim by mailing the insured a payment, but nothing sent with it identifies which benefits the payment covers. Under RSA 417:4(XV)(a)(10), how is this practice treated when done without just cause?

It is an unfair claim settlement practice to make a payment with no benefits statement

A person gathers and furnishes information for a group property and casualty insurance plan and helps enroll individuals under it. Under New Hampshire law, when is this person exempt from holding a producer license for that work?

When the person receives no commission for providing the service

An insured's car, which carries collision coverage, is damaged when an uninsured vehicle strikes it. Under RSA 412:8(III), which further facts mean the insured's collision deductible must be waived?

The other driver has been positively identified and was solely at fault for the damage

To win a new account, an agent knowingly collects from a business owner a premium below the amount that the policy and the insurer's filed and approved rates call for. Under RSA 417:4(XII), which statement is correct?

There is a violation, since knowingly collecting less than the proper premium is covered

A New Hampshire producer holds only the personal lines property and casualty line of authority. Under RSA 402-J:7(I)(f), which of these clients may the producer serve with that line?

A married couple seeking homeowners coverage on their home and auto coverage on their own cars

Jordan is a resident property and casualty producer in Maine and applies for a New Hampshire nonresident producer license. Under RSA 402-J:8(I)(a), what must be true of Jordan's Maine license?

It is a current resident producer license, and Jordan is in good standing in Maine

Lee holds a limited line credit insurance license in Massachusetts, Lee's home state, and applies for a New Hampshire nonresident license. Under RSA 402-J:8(V), what license does Lee receive?

A nonresident limited lines license with the same scope of authority as the Massachusetts one

Under RSA 417:4(IV), the New Hampshire defamation provision reaches false or maliciously critical statements about which subject?

The financial condition of an insurance company

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1.An employer's human resources staff administers an insured employee benefits program for the employer's own employees. Which circumstance would take the staff outside New Hampshire's licensing exemption for this activity?
Answer: A. The insurer issuing the contracts pays the staff a bonus for running the program.
This exemption covers an employer or association, its officers, directors and employees, and the trustees of an employee trust plan while they administer or operate an insured employee benefits program for the sponsor's own employees or those of its subsidiaries or affiliates. It holds only so long as those persons are not compensated, directly or indirectly, by the insurer issuing the contracts. A bonus from that insurer breaks the condition, while subsidiary and affiliate coverage, an association sponsor and trustee administration are all expressly within the exemption.
Source
N.H. Rev. Stat. Ann. Sec. 402-J:4(II)(c) (eff. August 20, 2001)
Choose an answer to see the explanation.
2.An auto insurer settles a collision claim by mailing the insured a payment, but nothing sent with it identifies which benefits the payment covers. Under RSA 417:4(XV)(a)(10), how is this practice treated when done without just cause?
Answer: D. It is an unfair claim settlement practice to make a payment with no benefits statement
RSA 417:4(XV)(a)(10) names, as an unfair claim settlement practice, making a claim payment that does not come with a statement of the benefits the payment includes. The paragraph does not excuse the omission because the insured could ask for a breakdown later, and it does not turn on whether the payment is full or whether it falls below the insured's demand; what it targets is the missing statement. As with every act on the XV(a) list, it counts when done without just cause and not merely by inadvertence or accident.
Source
N.H. Rev. Stat. Ann. Sec. 417:4(XV)(a)(10)
Choose an answer to see the explanation.
3.A person gathers and furnishes information for a group property and casualty insurance plan and helps enroll individuals under it. Under New Hampshire law, when is this person exempt from holding a producer license for that work?
Answer: C. When the person receives no commission for providing the service
New Hampshire exempts a person who secures and furnishes information for group property and casualty or other group coverage, or who enrolls individuals or helps administer such plans, where the person is paid no commission for the service. The absence of a commission is the condition this exemption attaches. Continuing education and an insurer appointment are not conditions of this exemption, and the insurer's domicile plays no part in it.
Source
N.H. Rev. Stat. Ann. Sec. 402-J:4(II)(b) (eff. August 20, 2001)
Choose an answer to see the explanation.
4.An insured's car, which carries collision coverage, is damaged when an uninsured vehicle strikes it. Under RSA 412:8(III), which further facts mean the insured's collision deductible must be waived?
Answer: B. The other driver has been positively identified and was solely at fault for the damage
RSA 412:8(III) removes the collision deductible for damage caused by an uninsured motor vehicle only when two further conditions are both met: the operator of the uninsured vehicle has been positively identified, and that operator is solely at fault. An unidentified driver fails the first condition even when witnesses blame that driver entirely, and a driver who is only partly at fault, even mostly, fails the second. Carrying uninsured motorist coverage is not one of the statute's conditions, and it does not substitute for a finding that the identified driver was solely at fault.
Source
N.H. Rev. Stat. Ann. Sec. 412:8(III) (as amended eff. August 1, 2017)
Choose an answer to see the explanation.
5.To win a new account, an agent knowingly collects from a business owner a premium below the amount that the policy and the insurer's filed and approved rates call for. Under RSA 417:4(XII), which statement is correct?
Answer: D. There is a violation, since knowingly collecting less than the proper premium is covered
Paragraph XII, Collecting Proper Premium, makes it an unfair practice to knowingly collect as premium any sum either above or below the premium specified in the policy under the classifications and rates filed with and approved by the Commissioner. Undercharging is covered just as overcharging is. Paying the insurer the difference from commission does not change the fact that the agent knowingly collected less than the proper premium from the insured. Approval of the rates is the benchmark the paragraph measures against, not a condition for a violation, and where rates need not be filed the paragraph still bars charging more or less than the policy specifies.
Source
N.H. Rev. Stat. Ann. Sec. 417:4(XII)
Choose an answer to see the explanation.
6.A New Hampshire producer holds only the personal lines property and casualty line of authority. Under RSA 402-J:7(I)(f), which of these clients may the producer serve with that line?
Answer: C. A married couple seeking homeowners coverage on their home and auto coverage on their own cars
New Hampshire defines the personal lines property and casualty line as coverage sold to individuals and families for primarily noncommercial purposes. A couple insuring the home they live in and their own cars is buying for personal, noncommercial use, so the line reaches it. The plumber and the shop owner are individuals, but each is buying coverage for a business, which is a commercial purpose. A corporation's delivery fleet is commercial coverage and is not sold to an individual or a family.
Source
N.H. Rev. Stat. Ann. Sec. 402-J:7(I)(f) (amended eff. Sept. 13, 2025)
Choose an answer to see the explanation.
7.Jordan is a resident property and casualty producer in Maine and applies for a New Hampshire nonresident producer license. Under RSA 402-J:8(I)(a), what must be true of Jordan's Maine license?
Answer: B. It is a current resident producer license, and Jordan is in good standing in Maine
RSA 402-J:8(I)(a) makes a nonresident eligible for a New Hampshire nonresident producer license only if the person presently holds a resident license in the home state and is in good standing there. A license held at some earlier point in the past 24 months fails because the provision looks to a license held now, not one held before. An insurer appointment is not among the conditions paragraph I lists for the nonresident license. A New Hampshire examination score is not among those conditions either; the nonresident license rests on the home-state resident license.
Source
N.H. Rev. Stat. Ann. Sec. 402-J:8(I)(a)
Choose an answer to see the explanation.
8.Lee holds a limited line credit insurance license in Massachusetts, Lee's home state, and applies for a New Hampshire nonresident license. Under RSA 402-J:8(V), what license does Lee receive?
Answer: D. A nonresident limited lines license with the same scope of authority as the Massachusetts one
RSA 402-J:8(V) provides that a person holding a limited line credit insurance license, or another limited lines license, in the home state receives a New Hampshire nonresident limited lines license carrying the same scope of authority the home state granted. A license covering every major line fails because the nonresident license mirrors the home-state authority rather than enlarging it. A temporary license pending an examination fails because the paragraph grants the nonresident limited lines license through the conditions in paragraph I, and those conditions do not include a New Hampshire examination. A scope set by the Commissioner after review fails because the paragraph ties the scope to the license issued by the home state.
Source
N.H. Rev. Stat. Ann. Sec. 402-J:8(V)
Choose an answer to see the explanation.
9.Under RSA 417:4(IV), the New Hampshire defamation provision reaches false or maliciously critical statements about which subject?
Answer: D. The financial condition of an insurance company
Paragraph IV makes it an unfair practice to make or circulate, or to aid or encourage others to circulate, oral or written material that is false, maliciously critical, or derogatory about an insurer's financial condition, where the material is calculated to injure a person engaged in the business of insurance. The subject the paragraph names is the insurer's financial condition. Misstating the terms of policies is addressed by the misrepresentation and advertising paragraphs, I and III. The paragraph does not name a producer's personal reputation or the speed of claim payments as its subject.
Source
N.H. Rev. Stat. Ann. Sec. 417:4(IV)
Choose an answer to see the explanation.
10.Acting knowingly and with intent to defraud, a person presents a false theft claim to an auto insurer, and the fraudulent portion of the claim is valued at $1,200. How does RSA 638:20 grade this insurance fraud offense?
Answer: B. A class B felony
Under RSA 638:20(IV)(a), the grade depends on the value of the fraudulent portion of the claim. Above $1,500 the offense is a class A felony; above $1,000 but not above $1,500 it is a class B felony; every other case is a misdemeanor. A fraudulent portion of $1,200 falls in the middle band, so the offense is a class B felony. A class A felony requires more than $1,500, a misdemeanor covers only the cases below the class B band, and because the lowest grade the statute provides is a misdemeanor, it never grades insurance fraud as a mere violation.
Source
N.H. Rev. Stat. Ann. Sec. 638:20(IV)(a) (eff. July 1, 2010)
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.An employer's human resources staff administers an insured employee benefits program for the employer's own employees. Which circumstance would take the staff outside New Hampshire's licensing exemption for this activity?

2.An auto insurer settles a collision claim by mailing the insured a payment, but nothing sent with it identifies which benefits the payment covers. Under RSA 417:4(XV)(a)(10), how is this practice treated when done without just cause?

3.A person gathers and furnishes information for a group property and casualty insurance plan and helps enroll individuals under it. Under New Hampshire law, when is this person exempt from holding a producer license for that work?

4.An insured's car, which carries collision coverage, is damaged when an uninsured vehicle strikes it. Under RSA 412:8(III), which further facts mean the insured's collision deductible must be waived?

5.To win a new account, an agent knowingly collects from a business owner a premium below the amount that the policy and the insurer's filed and approved rates call for. Under RSA 417:4(XII), which statement is correct?

6.A New Hampshire producer holds only the personal lines property and casualty line of authority. Under RSA 402-J:7(I)(f), which of these clients may the producer serve with that line?

7.Jordan is a resident property and casualty producer in Maine and applies for a New Hampshire nonresident producer license. Under RSA 402-J:8(I)(a), what must be true of Jordan's Maine license?

8.Lee holds a limited line credit insurance license in Massachusetts, Lee's home state, and applies for a New Hampshire nonresident license. Under RSA 402-J:8(V), what license does Lee receive?

9.Under RSA 417:4(IV), the New Hampshire defamation provision reaches false or maliciously critical statements about which subject?

10.Acting knowingly and with intent to defraud, a person presents a false theft claim to an auto insurer, and the fraudulent portion of the claim is valued at $1,200. How does RSA 638:20 grade this insurance fraud offense?

The other 214 questions are $29.