A licensed Utah consultant is also appointed as a producer for an insurer. A consulting client asks for advice, and the consultant expects to recommend coverage from that insurer. Before performing the consulting services, what must the consultant do for the recommendation to be permitted?

Give a prominent written disclosure of the tie to the insurer and that the advice merits scrutiny

The Utah commissioner learns that an individual has been soliciting property insurance in Utah while lacking the producer license Utah law requires, and decides more information is needed to enforce the code. May the commissioner examine that individual's affairs?

Yes, because the power extends to a person who must be licensed under the code and has failed to obtain one.

A Utah producer voluntarily surrenders her license on February 1. The license period in which she surrendered it ends on June 30 of the same year. On August 15 of that year she asks to have the surrendered license reinstated. Under Utah law, what is the result?

Reinstatement is unavailable, because the license period in which she surrendered it has ended

A Nevada resident holds a producer license in good standing in Nevada with property and casualty lines. She applies for a Utah nonresident producer license, submits the NAIC uniform application, and satisfies every other condition of Utah's nonresident licensing section. What must the commissioner do?

Waive the license requirements under that section and issue a nonresident license

A Utah resident producer who already holds a property line of authority applies to add a casualty line. Under the department's licensing rule, how must this application for an additional line of authority be submitted?

Electronically, through either Sircon or NIPR

A Utah homeowner's policy was never delivered to her. She asks the insurer in writing for a copy of her application. Thirty-five days after receiving her request, the insurer still has sent her nothing. What is the legal effect?

Her application can no longer affect the insurer's obligations under the policy

A licensed Utah property and casualty producer signs a producer contract with an insurer the producer has never represented. Under the Utah Insurance Code, what must happen before the producer may do business for that insurer in Utah?

The insurer must appoint the producer to act on its behalf

A Utah insurer files a commercial property policy form containing a clause that requires notice of loss sooner than Utah law otherwise requires. The commissioner never gives that clause explicit approval. What is the status of the clause?

It is void, since the commissioner never explicitly approved it

A Utah insurer revises the rates for its commercial property program, and the new rates take effect on March 1. This is an ordinary rate change, not a workers' compensation filing or an application to charge a higher rate on one specific risk. When must the insurer file the change with the commissioner?

No later than 30 days after the new rates take effect

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1.A licensed Utah consultant is also appointed as a producer for an insurer. A consulting client asks for advice, and the consultant expects to recommend coverage from that insurer. Before performing the consulting services, what must the consultant do for the recommendation to be permitted?
Answer: A. Give a prominent written disclosure of the tie to the insurer and that the advice merits scrutiny
Utah Code Ann. Sec. 31A-23a-401(1)(a) generally keeps a licensee from serving as both consultant and producer for the insurer in a related transaction, and keeps a consultant from recommending an insurer through which a material benefit would come to the consultant. Subsection (1)(b) lifts those limits when three conditions are met. The first, in Subsection (1)(b)(i), is a prominent written disclosure to the client, made before the consulting services, of the interest as a producer for the insurer and a statement that the recommendations should therefore receive appropriate scrutiny. The other two are a written fee agreement made after that disclosure but before the services, and a copy of the disclosure in any resulting report. An oral notice, a notice given only on request, or one given after the advice misses the written, prominent, advance disclosure the subsection demands, and the section does not call for the commissioner's approval of the recommendation.
Source
Utah Code Ann. Sec. 31A-23a-401(1)(b)(i) (Disclosure of conflicting interests)
Choose an answer to see the explanation.
2.The Utah commissioner learns that an individual has been soliciting property insurance in Utah while lacking the producer license Utah law requires, and decides more information is needed to enforce the code. May the commissioner examine that individual's affairs?
Answer: D. Yes, because the power extends to a person who must be licensed under the code and has failed to obtain one.
When the commissioner determines that information is needed to enforce the Insurance Code, the examination power covers licensees, license applicants, persons doing or organizing to do insurance business in Utah, and also a person who must be licensed but is not. An unlicensed individual soliciting insurance falls in that last group, so the power is not confined to licensees, applicants or insurers. The 25-person verified petition is a separate route by which policyholders, shareholders or creditors of a domestic insurer may seek a hearing on an unscheduled examination of that insurer; it is not a precondition to examining an unlicensed individual.
Source
Utah Code Ann. Sec. 31A-2-203(1)(a)(iv) (Examinations and alternatives)
Choose an answer to see the explanation.
3.A Utah producer voluntarily surrenders her license on February 1. The license period in which she surrendered it ends on June 30 of the same year. On August 15 of that year she asks to have the surrendered license reinstated. Under Utah law, what is the result?
Answer: C. Reinstatement is unavailable, because the license period in which she surrendered it has ended
Utah allows a lapsed license or a voluntarily surrendered license to be reinstated within one year after it is no longer in force, but a voluntarily surrendered license cannot be reinstated once the license period in which it was surrendered has ended (Utah Code Ann. Sec. 31A-23a-111(2)). Her request on August 15 falls inside one year but after the June 30 end of that period, so it fails. The one-year choice ignores the added limit on surrendered licenses. The examination choice describes a condition subsection (2) does not impose, and the period limit bars reinstatement regardless. The five-year bar in subsection (8) applies to a revocation order or a surrender made in lieu of administrative action, not to a voluntary surrender.
Source
Utah Code Ann. Sec. 31A-23a-111(2) (Revoking, suspending, surrendering, lapsing, limiting, or otherwise terminating a license)
Choose an answer to see the explanation.
4.A Nevada resident holds a producer license in good standing in Nevada with property and casualty lines. She applies for a Utah nonresident producer license, submits the NAIC uniform application, and satisfies every other condition of Utah's nonresident licensing section. What must the commissioner do?
Answer: D. Waive the license requirements under that section and issue a nonresident license
When a nonresident applicant holds a valid license from her home state and the statute's conditions are met, including being licensed in good standing at home when applying and submitting either the home-state application or a completed uniform application, the commissioner must waive the license requirements and issue a nonresident license (Utah Code Ann. Sec. 31A-23a-109(1)). The section also requires her to agree to the jurisdiction of the Utah commissioner and courts, which the stem treats as satisfied. Because the requirements are waived, a Utah examination is not a precondition here. The section provides for neither a temporary license with prelicensing education nor a Utah business address.
Source
Utah Code Ann. Sec. 31A-23a-109(1)(a) (Nonresident jurisdictional agreement)
Choose an answer to see the explanation.
5.A Utah resident producer who already holds a property line of authority applies to add a casualty line. Under the department's licensing rule, how must this application for an additional line of authority be submitted?
Answer: D. Electronically, through either Sircon or NIPR
Utah Admin. Code r. 590-244-7 requires an application for a new license, or to add a license type or line of authority, to be submitted through either Sircon or NIPR, for resident and nonresident applicants alike. The Sircon-only requirement in r. 590-244-7(1) applies to navigator license applications, not to a producer adding a casualty line. Facsimile or PDF email submission is reserved by r. 590-244-7(2) for a nonresident applying for a license type or line of authority that the home state does not offer. A mailed paper application is not among the submission methods the rule provides.
Source
Utah Admin. Code r. 590-244-7 (New License Application)
Choose an answer to see the explanation.
6.A producer licensed in good standing for the property line in Idaho moves to Utah and establishes legal residence there, still holding the Idaho license. For the commissioner to be required to waive the Utah examination, within what period after establishing Utah residence must she apply for a producer license?
Answer: B. Within 90 days
The commissioner must waive the examination for an applicant who applies for a Utah producer license within 90 days of establishing legal residence in Utah, has been licensed for the same line of authority in another state, and is licensed in that state when applying (Utah Code Ann. Sec. 31A-23a-108(2)(a)). Here she holds the same property line in Idaho and still holds it, so the 90-day window is the one that matters. Thirty, 60 and 180 days are not the period this subsection sets for the waiver.
Source
Utah Code Ann. Sec. 31A-23a-108(2)(a) (Examination requirements)
Choose an answer to see the explanation.
7.A Utah homeowner's policy was never delivered to her. She asks the insurer in writing for a copy of her application. Thirty-five days after receiving her request, the insurer still has sent her nothing. What is the legal effect?
Answer: D. Her application can no longer affect the insurer's obligations under the policy
Utah Code Ann. Sec. 31A-21-105(1)(c) lets a policyholder who did not receive the policy ask the insurer in writing for a copy of the application. If the insurer does not deliver or mail the copy within 30 days after it or its agent receives the request, nothing in the application affects the insurer's obligations under the policy to the person who asked. The subsection states that consequence and no other: it does not void the policy, require a premium refund, impose a daily penalty, or keep the application in force subject to proof of alteration.
Source
Utah Code Ann. Sec. 31A-21-105(1)(c) (Representations, warranties, and conditions)
Choose an answer to see the explanation.
8.A licensed Utah property and casualty producer signs a producer contract with an insurer the producer has never represented. Under the Utah Insurance Code, what must happen before the producer may do business for that insurer in Utah?
Answer: A. The insurer must appoint the producer to act on its behalf
Utah Code Ann. Sec. 31A-23a-115(1)(a) requires an insurer to appoint a producer it has contracted with before that licensee can do business for the insurer in Utah. The department's rule adds that the insurer files the appointment with the commissioner through Sircon or NIPR within 15 days after the producer contract is executed or after it receives the producer's first application. Licensing examinations relate to a line of authority, not to a particular insurer. The license itself describes the licensee's license types and lines of authority; authority to represent a given insurer comes from that insurer's appointment, not from a reissued license. A surety bond payable to the insurer is not a condition of the appointment requirement.
Source
Utah Code Ann. Sec. 31A-23a-115(1)(a)
Choose an answer to see the explanation.
9.A Utah insurer files a commercial property policy form containing a clause that requires notice of loss sooner than Utah law otherwise requires. The commissioner never gives that clause explicit approval. What is the status of the clause?
Answer: B. It is void, since the commissioner never explicitly approved it
Utah Code Ann. Sec. 31A-21-202(1)(a) treats a clause demanding quicker notice of loss or proof of loss than Utah law requires as disapproved unless the commissioner explicitly approves it, and Subsection (2) makes such a clause void when explicit approval is not obtained. Filing the form does not cure the clause, because this section requires explicit approval in addition to filing. The clause is void by operation of the statute, so it does not remain in force pending a commissioner's order. The section draws no line between commercial and personal lines insureds.
Source
Utah Code Ann. Sec. 31A-21-202(1)(a) (Explicit approval required); Utah Code Ann. Sec. 31A-21-202(2)
Choose an answer to see the explanation.
10.A Utah insurer revises the rates for its commercial property program, and the new rates take effect on March 1. This is an ordinary rate change, not a workers' compensation filing or an application to charge a higher rate on one specific risk. When must the insurer file the change with the commissioner?
Answer: B. No later than 30 days after the new rates take effect
Utah Code Ann. Sec. 31A-19a-203(1)(d) requires each rate filing, other than workers' compensation filings made under their own sections, to be made within 30 days after the rates and any changes become effective. The general rule measures from the effective date, so the law does not require filing 30 days in advance. The 60-day figure elsewhere in Sec. 31A-19a-203 concerns a filing returned as incomplete: the insurer may not use it on policies issued or renewed 60 or more calendar days after the return. The 10-day figure applies to a written application to use a higher rate on a specific risk, which may be applied if the commissioner does not disapprove it within 10 days after filing.
Source
Utah Code Ann. Sec. 31A-19a-203(1)(d) (Rate filings)
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.A licensed Utah consultant is also appointed as a producer for an insurer. A consulting client asks for advice, and the consultant expects to recommend coverage from that insurer. Before performing the consulting services, what must the consultant do for the recommendation to be permitted?

2.The Utah commissioner learns that an individual has been soliciting property insurance in Utah while lacking the producer license Utah law requires, and decides more information is needed to enforce the code. May the commissioner examine that individual's affairs?

3.A Utah producer voluntarily surrenders her license on February 1. The license period in which she surrendered it ends on June 30 of the same year. On August 15 of that year she asks to have the surrendered license reinstated. Under Utah law, what is the result?

5.A Utah resident producer who already holds a property line of authority applies to add a casualty line. Under the department's licensing rule, how must this application for an additional line of authority be submitted?

7.A Utah homeowner's policy was never delivered to her. She asks the insurer in writing for a copy of her application. Thirty-five days after receiving her request, the insurer still has sent her nothing. What is the legal effect?

8.A licensed Utah property and casualty producer signs a producer contract with an insurer the producer has never represented. Under the Utah Insurance Code, what must happen before the producer may do business for that insurer in Utah?

9.A Utah insurer files a commercial property policy form containing a clause that requires notice of loss sooner than Utah law otherwise requires. The commissioner never gives that clause explicit approval. What is the status of the clause?

The other 205 questions are $29.