An employee covered by South Carolina's workers' compensation provision on radiation exposure has medically determined restrictions on further exposure, and his skills do not transfer to equivalent work that avoids radiation. What does the statute entitle him to receive?

Reasonably necessary vocational rehabilitation, including retraining and job replacement

A producer's license in another state was canceled on March 1, and she holds no other license. That state certifies she was in good standing when the license was canceled. She applies in South Carolina for the same lines. Which application date preserves her exemption from the South Carolina examination?

An application received on May 25 of that year

Two licensed producers form a partnership and transact insurance producer business under the trade name Palmetto Risk Partners. Under South Carolina law, which statement about licensing is correct?

The partnership itself must be licensed by the director or his designee

Before a policy has been issued, a producer gives a prospective buyer a written illustration that overstates the benefits the policy would provide. Which statement is correct under South Carolina law?

The illustration is prohibited, because the rule covers policies to be issued as well as those already issued.

A licensee gives a consumer its initial privacy notice and its opt out notice, then discloses the consumer's nonpublic personal financial information to a nonaffiliated third party within the same hour, before the consumer has any chance to respond. Assuming the disclosure falls outside the regulation's exceptions, was it permitted?

No, because the consumer was given no reasonable chance to opt out beforehand

During a South Carolina insurance examination, a witness properly summoned by the director to testify ignores the summons. What power does Title 38 give the director over that witness?

The power of a circuit judge to punish the witness for contempt

A member insurer is determined to be insolvent on March 1. An insured's policy with it expires on April 30, and the insured has kept the policy in force without replacing or canceling it. Apart from claims existing before March 1, what is the last date on which a claim may arise and still fall within the guaranty association's obligation?

March 31, thirty days after the determination

Which of the following does Section 38-73-440 make it unlawful for an insurer to consider when determining South Carolina automobile insurance premium rates?

The economic status of the applicant

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1.An employee covered by South Carolina's workers' compensation provision on radiation exposure has medically determined restrictions on further exposure, and his skills do not transfer to equivalent work that avoids radiation. What does the statute entitle him to receive?
Answer: D. Reasonably necessary vocational rehabilitation, including retraining and job replacement
S.C. Code Ann. Sec. 42-13-90(a) entitles an employee in this position to vocational rehabilitation services, including retraining and job replacement, to the extent reasonably necessary to return him to suitable employment. When the employer and employee do not arrange the services voluntarily, the commission may act on its own motion or at the employee's request and, after giving the parties a chance to be heard, refer him for evaluation and order the recommended services paid for by the employer, so the right does not depend on the employer volunteering. The section provides services rather than a lump sum in their place, and it does not award lifetime total disability benefits. The services are limited to fifty-two weeks, which the commission may extend by special order for an additional twenty-six weeks in unusual cases.
Source
S.C. Code Ann. Sec. 42-13-90(a)
Choose an answer to see the explanation.
2.The South Carolina director schedules a hearing governed by the general notice-of-hearings statute and must send written notice to the person cited to appear. How far ahead of the designated hearing date must that notice be given?
Answer: B. At least 30 days before
Unless another provision specifically sets a different rule, the director or designee must give written notice of the time and place of a hearing to the person cited at least thirty days before the designated date. The notice must state the subject of the inquiry and any specific charges, and it may be delivered to the person or mailed, postage prepaid, by registered mail with return receipt requested to the person's last known address. Ten, 45 and 60 days are not the period this statute sets.
Source
S.C. Code Ann. Sec. 38-3-170
Choose an answer to see the explanation.
3.A producer's license in another state was canceled on March 1, and she holds no other license. That state certifies she was in good standing when the license was canceled. She applies in South Carolina for the same lines. Which application date preserves her exemption from the South Carolina examination?
Answer: D. An application received on May 25 of that year
Under Sec. 38-43-101(A), an applicant previously licensed for the same lines in another state may skip the South Carolina examination, but where the earlier license has been canceled the exemption holds only if the application arrives within ninety days of the cancellation, supported by the prior state's good-standing certification or matching NAIC Producer Database records. May 25 is 85 days after March 1, so it falls inside the window. June 20 is 111 days after the cancellation, August 1 is 153 days and August 25 is 177 days, so each misses the ninety-day limit.
Source
S.C. Code Ann. Sec. 38-43-101(A)
Choose an answer to see the explanation.
4.An insurer files a certificate with the South Carolina Department of Motor Vehicles as proof of financial responsibility for a driver. Under Section 56-9-550, what is the minimum term for which the underlying motor vehicle liability policy itself must be written?
Answer: B. Six months
Section 56-9-550 requires the motor vehicle liability policy behind the certificate to be written for a minimum term of six months. Ninety days is a different measure in the same section: the period a certificate generally stays in effect unless the company cancels it for a reason other than nonpayment of premium. One year appears in the section only for a policy certified as noncancellable for nonpayment when the filer previously had a certificate canceled for nonpayment, and thirty days is not a period the section sets.
Source
S.C. Code Ann. Sec. 56-9-550
Choose an answer to see the explanation.
5.Two licensed producers form a partnership and transact insurance producer business under the trade name Palmetto Risk Partners. Under South Carolina law, which statement about licensing is correct?
Answer: A. The partnership itself must be licensed by the director or his designee
Sec. 38-43-30(A) requires every agency, a partnership included, that transacts producer business under a corporate or trade name to hold a license from the director or his designee. The partners' individual producer licenses are a separate matter and do not take the place of the agency license, and the subsection sets no condition based on whether the agency has unlicensed staff. The only businesses it excuses from agency licensing are single-owner sole proprietorships, which a two-partner firm is not.
Source
S.C. Code Ann. Sec. 38-43-30(A)
Choose an answer to see the explanation.
6.Before a policy has been issued, a producer gives a prospective buyer a written illustration that overstates the benefits the policy would provide. Which statement is correct under South Carolina law?
Answer: A. The illustration is prohibited, because the rule covers policies to be issued as well as those already issued.
Sec. 38-57-130(1) prohibits any person from making, issuing, or circulating, or causing to be circulated, an estimate or illustration that misrepresents the terms of a policy or the benefits or advantages it promises, whether the policy is already issued or is still to be issued. An unissued policy is therefore covered. Handing an illustration to a buyer is circulating it, whoever prepared it, and the subsection does not make a purchase or reliance a condition of the prohibition.
Source
S.C. Code Ann. Sec. 38-57-130(1)
Choose an answer to see the explanation.
7.A licensee gives a consumer its initial privacy notice and its opt out notice, then discloses the consumer's nonpublic personal financial information to a nonaffiliated third party within the same hour, before the consumer has any chance to respond. Assuming the disclosure falls outside the regulation's exceptions, was it permitted?
Answer: B. No, because the consumer was given no reasonable chance to opt out beforehand
The regulation permits such a disclosure only when four conditions are all met: the licensee has given the initial notice, it has given the opt out notice, it has allowed the consumer a reasonable opportunity to opt out before disclosing, and the consumer does not opt out. Delivering both notices satisfies only two of the four. The absence of an opt out does not cure the defect when the consumer had no real chance to make one. The rule works by opt out, so it does not require the consumer's affirmative written consent.
Source
S.C. Code Ann. Regs. 69-58, Section 12(A)(1)
Choose an answer to see the explanation.
8.During a South Carolina insurance examination, a witness properly summoned by the director to testify ignores the summons. What power does Title 38 give the director over that witness?
Answer: C. The power of a circuit judge to punish the witness for contempt
Section 38-3-180 lets the director, or assistants or agents appointed to conduct examinations, summon and compel witnesses to testify on any matter Title 38 makes a subject of inquiry. It gives the director or designee the power of a circuit judge to punish for contempt a witness who fails to answer a summons or refuses to testify. Perjury under the same section concerns false testimony given in a matter or proceeding, not a failure to appear. Merely noting the refusal in a report, or only referring the witness to the Attorney General, understates the contempt power the section grants.
Source
S.C. Code Ann. Sec. 38-3-180
Choose an answer to see the explanation.
9.A member insurer is determined to be insolvent on March 1. An insured's policy with it expires on April 30, and the insured has kept the policy in force without replacing or canceling it. Apart from claims existing before March 1, what is the last date on which a claim may arise and still fall within the guaranty association's obligation?
Answer: A. March 31, thirty days after the determination
Section 38-31-60(a) limits the association's obligation for claims arising after the insolvency determination to the earliest of three dates: thirty days after the determination, the policy expiration date, or the date the insured replaces or cancels the policy. Thirty days after March 1 is March 31, which comes before the April 30 expiration, and the policy was not replaced or canceled, so March 31 controls. April 30 is later than the earliest date, and the statute adds no extra thirty days after expiration. The eighteen-month figure in the same section concerns when a claim is filed with the association, not when a claim may arise.
Source
S.C. Code Ann. Sec. 38-31-60(a)(i)
Choose an answer to see the explanation.
10.Which of the following does Section 38-73-440 make it unlawful for an insurer to consider when determining South Carolina automobile insurance premium rates?
Answer: D. The economic status of the applicant
Section 38-73-440 names four factors it is unlawful to consider in determining automobile insurance premium rates: race, religion, national origin, and economic status. An accident record, the vehicle's make and model, and the number of vehicles listed are not among the factors that section prohibits.
Source
S.C. Code Ann. Sec. 38-73-440
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 employee covered by South Carolina's workers' compensation provision on radiation exposure has medically determined restrictions on further exposure, and his skills do not transfer to equivalent work that avoids radiation. What does the statute entitle him to receive?

2.The South Carolina director schedules a hearing governed by the general notice-of-hearings statute and must send written notice to the person cited to appear. How far ahead of the designated hearing date must that notice be given?

4.An insurer files a certificate with the South Carolina Department of Motor Vehicles as proof of financial responsibility for a driver. Under Section 56-9-550, what is the minimum term for which the underlying motor vehicle liability policy itself must be written?

5.Two licensed producers form a partnership and transact insurance producer business under the trade name Palmetto Risk Partners. Under South Carolina law, which statement about licensing is correct?

6.Before a policy has been issued, a producer gives a prospective buyer a written illustration that overstates the benefits the policy would provide. Which statement is correct under South Carolina law?

8.During a South Carolina insurance examination, a witness properly summoned by the director to testify ignores the summons. What power does Title 38 give the director over that witness?

10.Which of the following does Section 38-73-440 make it unlawful for an insurer to consider when determining South Carolina automobile insurance premium rates?

The other 247 questions are $29.