An Oregon health insurance producer posts a video on a personal social media account claiming that a plan she sells covers every medical service without limits, when the plan in fact limits several benefits. How does Oregon's false advertising statute apply?

It applies, because it reaches untrue or misleading insurance statements made in any medium

In one calendar year, an Oregon producer's life and health premiums on personal or controlled insurance total $80,000, and premiums on all other insurance the producer transacts total $30,000. Assume every exemption in the statute is inapplicable. Under Oregon's personal or controlled insurance statute, what is the result?

Commissions on $20,000 of the personal premiums are an unlawful rebate, being the amount above $60,000

An Oregon producer is prosecuted for a crime in another state. Under Oregon law, which event starts the period for reporting the prosecution to the director?

The initial pretrial hearing date

An individual resident insurance producer in Oregon was born in July. Under the director's rule on license expiration, when does the producer's individual license expire?

Every two years, in the month of the producer's birthday anniversary

Lee's producer license in another state was canceled, and Lee now applies for an Oregon producer license for the same lines of authority. The other state certifies that Lee was in good standing at cancellation. To be spared Oregon's prelicensing education and examination, Lee's application must be received within what period?

Within 90 days of the cancellation of the other license

An Oregon insurance producer plans to do business under a trade name rather than the producer's legal name. When must the director be notified?

Before the producer begins using the trade name

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Real questions with the answer, the reasoning and the source.

1.Oregon's claims practices law lists an insurer's failure to acknowledge pertinent communications about claims arising under its policies as an improper claims practice. What standard of timeliness does that provision apply to the acknowledgment?
Answer: A. Promptly
The provision treats failing to acknowledge pertinent claim communications as an improper claims practice, and the timeliness standard it applies is promptly. The standard is not tied to completion of proof of loss, which is the point the law ties to affirming or denying coverage, and it does not wait for a written demand or run for a year.
Source
Or. Rev. Stat. Sec. 746.230(1)(b) (Unfair claim settlement practices)
Choose an answer to see the explanation.
2.An Oregon health insurance producer posts a video on a personal social media account claiming that a plan she sells covers every medical service without limits, when the plan in fact limits several benefits. How does Oregon's false advertising statute apply?
Answer: C. It applies, because it reaches untrue or misleading insurance statements made in any medium
ORS 746.110 prohibits any person from making, publishing or circulating, directly or indirectly, an advertisement, announcement or statement about the business of insurance that is untrue, deceptive or misleading. After listing newspapers, circulars, radio, television and similar channels, the statute adds 'in any other way,' so an online post is covered even though it is not named. The prohibition applies to any person, not only insurers, and its text sets no requirement that a consumer rely on the statement or suffer a loss.
Source
Or. Rev. Stat. Sec. 746.110 (False, deceptive or misleading statements)
Choose an answer to see the explanation.
3.In one calendar year, an Oregon producer's life and health premiums on personal or controlled insurance total $80,000, and premiums on all other insurance the producer transacts total $30,000. Assume every exemption in the statute is inapplicable. Under Oregon's personal or controlled insurance statute, what is the result?
Answer: B. Commissions on $20,000 of the personal premiums are an unlawful rebate, being the amount above $60,000
ORS 746.065(2) treats the receipt of commissions on personal or controlled insurance as an unlawful rebate to the extent the premiums on it in a calendar year exceed the premiums on the producer's other insurance for that year, and for life and health insurance the threshold is twice those other premiums. Twice $30,000 is $60,000, so only the $20,000 above that threshold is affected. Measuring the excess from $30,000 applies the one-to-one threshold used for other lines instead of the life and health threshold, treating all $80,000 as tainted ignores that only the excess is reached, and the statute sets no three-times threshold.
Source
Or. Rev. Stat. Sec. 746.065(2) (Personal or controlled insurance)
Choose an answer to see the explanation.
4.An Oregon producer is prosecuted for a crime in another state. Under Oregon law, which event starts the period for reporting the prosecution to the director?
Answer: B. The initial pretrial hearing date
Oregon sets the reporting period for a criminal matter at 30 days, and the clock starts at the initial pretrial hearing date. The final disposition of the case is the trigger for the separate duty to report administrative actions, and neither the date of the complaint nor the renewal cycle starts the clock.
Source
Or. Rev. Stat. Sec. 744.089(2) (Report of administrative action taken against insurance producer)
Choose an answer to see the explanation.
5.An individual resident insurance producer in Oregon was born in July. Under the director's rule on license expiration, when does the producer's individual license expire?
Answer: A. Every two years, in the month of the producer's birthday anniversary
Or. Admin. R. 836-071-0146(1) provides that an individual producer's license expires biennially, meaning every two years, in the month of the individual's birthday anniversary, so a producer born in July faces expiration in July. The rule ties expiration to the birth month rather than the issue date, and it sets a two-year cycle rather than a one-year or four-year term.
Source
Or. Admin. R. 836-071-0146(1) (Individual Insurance Producer License Expiration Date)
Choose an answer to see the explanation.
6.An Oregon producer violates a provision of the Insurance Code for which the code and other applicable Oregon laws provide no greater penalty. Apart from any license action or civil forfeiture, how is the violation classified?
Answer: B. A Class A misdemeanor
Oregon's catch-all criminal provision makes a violation of any Insurance Code provision a Class A misdemeanor when no greater penalty is provided elsewhere, in addition to any license denial, suspension or revocation or civil forfeiture. The Class C felony is reserved for violations of the insurance holding company provisions, and the Class C misdemeanor applies to holding company officers, directors or employees who knowingly file false statements meant to deceive the director. The catch-all assigns Class A, not Class B.
Source
Or. Rev. Stat. Sec. 731.992(4) (Criminal penalty)
Choose an answer to see the explanation.
7.Lee's producer license in another state was canceled, and Lee now applies for an Oregon producer license for the same lines of authority. The other state certifies that Lee was in good standing at cancellation. To be spared Oregon's prelicensing education and examination, Lee's application must be received within what period?
Answer: C. Within 90 days of the cancellation of the other license
A person previously licensed in another state for the same lines is excused from Oregon prelicensing education and examination if still licensed there or, where that license has been canceled, if the Oregon application is received within 90 days of the cancellation and good standing is shown by the prior state's certification or NAIC Producer Database records. Lee's other license was canceled, so that window controls. The other periods offered are not the window Oregon sets.
Source
Or. Rev. Stat. Sec. 744.067(1) (Exemptions from prelicensing education or examination requirement)
Choose an answer to see the explanation.
8.When the Oregon director issues a temporary insurance producer license, such as to the surviving spouse of a producer who has died, what is the longest period that license may run?
Answer: A. 180 days
The director may issue a temporary producer license without requiring an examination, for a period of no more than 180 days, where it is needed to service an insurance business, for example for the surviving spouse or court-appointed personal representative of a producer who has died or become disabled. The other periods offered are not the maximum Oregon sets.
Source
Or. Rev. Stat. Sec. 744.073(1) (Temporary insurance producer license)
Choose an answer to see the explanation.
9.An Oregon insurance producer plans to do business under a trade name rather than the producer's legal name. When must the director be notified?
Answer: D. Before the producer begins using the trade name
A producer doing business under any name other than the producer's legal name must notify the director prior to using that assumed name. Notice within 30 days after first use or at the next renewal comes after the name is already in use, and notice only when someone asks may never be given at all. The obligation is triggered before the name is used.
Source
Or. Rev. Stat. Sec. 744.068(1) (Required notifications; maintenance of usual and customary records; rules)
Choose an answer to see the explanation.
10.What minimum age must the director find that an individual has reached before approving an application for a resident insurance producer license in Oregon?
Answer: D. 18 years of age
Before approving a resident producer application, the director must find, among other things, that the applicant has reached 18 years of age. An applicant younger than that falls short of the minimum, and the other ages offered are not the minimum Oregon sets.
Source
Or. Rev. Stat. Sec. 744.059(1)(a) (Qualifications for license; use of uniform application)
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.Oregon's claims practices law lists an insurer's failure to acknowledge pertinent communications about claims arising under its policies as an improper claims practice. What standard of timeliness does that provision apply to the acknowledgment?

2.An Oregon health insurance producer posts a video on a personal social media account claiming that a plan she sells covers every medical service without limits, when the plan in fact limits several benefits. How does Oregon's false advertising statute apply?

4.An Oregon producer is prosecuted for a crime in another state. Under Oregon law, which event starts the period for reporting the prosecution to the director?

5.An individual resident insurance producer in Oregon was born in July. Under the director's rule on license expiration, when does the producer's individual license expire?

6.An Oregon producer violates a provision of the Insurance Code for which the code and other applicable Oregon laws provide no greater penalty. Apart from any license action or civil forfeiture, how is the violation classified?

8.When the Oregon director issues a temporary insurance producer license, such as to the surviving spouse of a producer who has died, what is the longest period that license may run?

9.An Oregon insurance producer plans to do business under a trade name rather than the producer's legal name. When must the director be notified?

10.What minimum age must the director find that an individual has reached before approving an application for a resident insurance producer license in Oregon?

The other 427 questions are $29.