An Idaho candidate passes the producer examination. What happens to a license application the department receives more than 180 days later?Idaho Code 41-1006(4)
An Idaho producer borrows money from a client who is neither a lender by trade nor an immediate family member. What does section 41-1325 require?Idaho Code 41-1325(1)
An Idaho producer collects premiums and deposits them in a sweep account kept by or for the insurer. How does section 41-1024 treat that?Idaho Code 41-1024(1)
An Idaho producer diverts fiduciary funds to the producer's own use without being entitled to them. What is the offense on conviction?Idaho Code 41-1024(3)
An Idaho producer license has been nonrenewed for more than 90 days but less than one year. What must the licensee do to be licensed again?Idaho Code 41-1013(7)
An Idaho producer license is revoked. How long must pass before the director may issue that person a license again?Idaho Code 41-1026(3)
An Idaho producer reinstates a license 20 days after it expired for unmet education. What added administrative penalty applies?Idaho Code 41-1013(7)
Show all 85 questions (78 more)
Producer licensing and continuing education, continued
An Idaho producer's license expired because continuing education was not finished. Within what time may the licensee reinstate by submitting proof of all education and a penalty?Idaho Code 41-1013(7)
An Idaho producer's license is on inactive status. What may the producer still do?Idaho Code 41-1028(2)
An Idaho wholesale producer charges a fee to a retail producer. Where must the amount of that fee be disclosed?Idaho Code 41-1030(2)(b)
Before an Idaho retail producer charges a consumer a fee, what must the producer provide, and how is acceptance shown?Idaho Code 41-1030(2)(a)
Does an Idaho producer not acting as an insurer's agent need an appointment from that insurer?Idaho Code 41-1018(1)
For how long may the Idaho director suspend a producer license under section 41-1016?Idaho Code 41-1016(1)
For how long must an Idaho producer keep records of transactions available for the director's inspection?Idaho Code 41-1036(3)
How does inactive status affect an Idaho producer's continuing education and continuation fees?Idaho Code 41-1028(3)
How long must an Idaho producer keep a record of a loan taken from a client?Idaho Code 41-1325(1)
How must an Idaho producer hold funds that belong to others, such as premiums collected from clients?Idaho Code 41-1024(1)
How must an Idaho producer tell the director about doing business under an assumed name?Idaho Code 41-1014
The Idaho director finds that a producer named in a notice of appointment is ineligible. How soon must the insurer be notified?Idaho Code 41-1018(3)
No request for continuation, fee and continuing education statement reaches the Idaho director in time. When is the license deemed to have expired?Idaho Code 41-1013(3)
To reactivate an inactive Idaho license without retesting, how much continuing education earned in the prior 12 months must the producer show?Idaho Code 41-1028(5)
Under which line of authority does the Idaho Code place accident and health or sickness insurance on a producer license?Idaho Code 41-1008(1)(b)
What added administrative penalty does an Idaho producer pay to reinstate when the education delinquency runs 61 to 90 days?Idaho Code 41-1013(7)
What is the largest administrative penalty the Idaho director may impose on a producer under section 41-1016?Idaho Code 41-1016(1)
Who assists the Idaho director in prescribing the continuing education that resident producers must complete?Idaho Code 41-1013(5)
Life policy provisions 19
An Idaho life insurer holds death proceeds in an account bearing less than 2 percent. What rate of interest must it pay on late proceeds?Idaho Code 41-1337(3)
An Idaho life insurer misses the 30 day payment period after timely proof of death. From what date does it owe interest on the proceeds?Idaho Code 41-1337(1)
Before an individual life policy is issued in Idaho, what option must the applicant be given under section 41-1830?Idaho Code 41-1830(1)
How does the Idaho Code describe the insurable interest between individuals related closely by blood or by law?Idaho Code 41-1804(3)(a)
How far ahead must an Idaho insurer mail notice before an individual life policy lapses for nonpayment of premium?Idaho Code 41-1830(5)
How long does the buyer of an Idaho life insurance policy have to return it and get the premium back?Idaho Code 41-1935(1)
How often must an Idaho life insurer tell a policy owner of the right to designate or change the person who receives lapse notices?Idaho Code 41-1830(3)
Idaho requires the individual insured to apply for, or consent in writing to, a life insurance contract. Which of these is an exception?Idaho Code 41-1808(1)
If the free examination provision is not printed on the face page of an Idaho life policy, what must appear there?Idaho Code 41-1935(1)
In Idaho, when does a misrepresentation in a life insurance application NOT prevent a recovery under the policy?Idaho Code 41-1811
Proof of death reaches an Idaho life insurer more than 180 days after the insured died, and payment is then late. From when does interest accrue?Idaho Code 41-1337(2)
Section 41-1807 lets a minor buy insurance despite minority. From what age?Idaho Code 41-1807(2)
Section 41-1904 fixes the grace period for ordinary life policies. What is it?Idaho Code 41-1904
Section 41-1925 lists the few death exclusions a life policy may carry. For suicide, how long from the date of issue may the exclusion run?Idaho Code 41-1925(1)(b)
Section 41-2019 lets a group life policy cap the conversion policy issued when the whole group policy ends. The cap is the ceasing coverage or what sum, if smaller?Idaho Code 41-2019
To which individual life policies does Idaho's lapse notice section, 41-1830, NOT apply?Idaho Code 41-1830(6)
Where may an Idaho policyowner return a life policy during the free examination, and what is the policy's status then?Idaho Code 41-1935(2)
Who may sign the application for an Idaho family policy insuring two or more members of a family?Idaho Code 41-1808(3)
Within what time after receiving satisfactory proof of death must an Idaho life insurer pay the proceeds?Idaho Code 41-1337(1)
Annuities and the free examination 7
A stipulated payment on an individual Idaho annuity contract is overdue. What period of grace does section 41-1918 require?Idaho Code 41-1918
Before soliciting the sale of an annuity product in Idaho, what must a producer have?Idaho Code 41-1940C(1)
Does Idaho's twenty day free examination apply to annuity contracts as well as life insurance policies?Idaho Code 41-1935(1)
In weighing an annuity replacement in Idaho, a producer considers whether the consumer had another exchange or replacement within what preceding period?Idaho Code 41-1940A
Section 41-1940E sets how long the file behind an annuity recommendation is kept. How long?Idaho Code 41-1940E(1)
What one-time training must an Idaho producer who sells annuity products complete?Idaho Code 41-1940C(2)
What standard does Idaho's annuity consumer protections act set for a producer who recommends an annuity?Idaho Code 41-1940A(1)(a)
Disability (accident and health) provisions 17
A carrier replaces an Idaho group's hospital and medical coverage within 60 days after the prior policy ended. Whom must it cover at once?Idaho Code 41-2215(1)
An adopted newborn is placed with an Idaho insured more than 60 days after birth. From when does coverage run?Idaho Code 41-2140(1)
An Idaho disability insurance contract covers newborn dependents. From when is an adopted newborn placed with the insured within 60 days of birth covered?Idaho Code 41-2140(1)
An Idaho disability policyholder dies. What must the insurer do about premium paid for months after the month of death?Idaho Code 41-1332
An Idaho insured's dependent child is incapable of self-sustaining employment and reaches the policy's limiting age. Within what time must the insured submit proof to keep the child covered?Idaho Code 41-2139
An Idaho long-term care policy has been in force 14 months. What must a misrepresentation be for the insurer to rescind the policy?Idaho Code 41-4606(2)
For how long after coverage begins may an Idaho large employer health benefit plan limit benefits because of a preexisting condition?Idaho Code 41-2221(1)(a)
For Idaho's adopted child coverage section, "child" means an individual who has not reached what age at the adoption or placement?Idaho Code 41-2140(1)
Section 41-2221 limits the look-back for a preexisting condition in large employer health benefit plans to what period?Idaho Code 41-2221(1)(a)
Section 41-4404 bars a Medicare supplement policy from limiting benefits for a preexisting condition once a loss is incurred later than what point?Idaho Code 41-4404(2)
Section 41-4407 requires a free examination notice on Medicare supplement policies. How long does the notice give?Idaho Code 41-4407
Section 41-4605 calls it the "free look". How long may a long-term care applicant take to send the policy back?Idaho Code 41-4605(6)
Under an Idaho group disability insurance contract, an unmarried child who gets more than half of his support from the parent may stay on the parent's contract until what age?Idaho Code 41-2210(3)
Under section 41-2138, for how long after delivery may an Idaho buyer send back an individual health insurance policy?Idaho Code 41-2138(1)
What administrative penalty may an Idaho insurer face for failing to return unearned premium after a disability policyholder's death?Idaho Code 41-1332
What fine may an Idaho agent face for violating a long-term care insurance marketing requirement?Idaho Code 41-4611
Which individual health policies are excepted from Idaho's ten day free examination?Idaho Code 41-2138(1)
Trade practices and penalties 7
A person violates a provision of Idaho's trade practices chapter for which no penalty is expressly provided. Which penalty applies?Idaho Code 41-1327
After a hearing, the Idaho director finds an insurer committed unfair claim settlement practices. What is the largest administrative penalty?Idaho Code 41-1329A
On conviction under Idaho's general penalty section, what is the longest term in the county jail?Idaho Code 41-117
Under Idaho's general penalty, what is the largest administrative penalty for a violation by a person that is not an individual?Idaho Code 41-117
Under Idaho's general penalty, what is the largest administrative penalty for a violation of the insurance code by an individual, where no greater penalty is provided?Idaho Code 41-117
Under Idaho's rebate section, a producer may give a prospective policyholder merchandise worth up to what total in a calendar year?Idaho Code 41-1314(3)
Which practice does Idaho Code 41-1314(4) prohibit as an illegal inducement?Idaho Code 41-1314(4)
Guaranty association 10
An Idaho firm owns non-group life policies on many of its managers, all from one insolvent insurer. What is the most section 41-4303 obliges the association to cover for that owner?Idaho Code 41-4303(3)(c)
An Idaho saver holds an annuity from an insolvent insurer. What present value of annuity benefits does section 41-4303 protect?Idaho Code 41-4303(3)(b)
An Idaho widow's claim is against an insurer placed in liquidation. Up to what amount does section 41-4303 protect a life insurance death benefit?Idaho Code 41-4303(3)(b)
Apart from major medical insurance, what is the Idaho guaranty association's limit for health insurance claims or benefit payments?Idaho Code 41-4303(3)(b)
May an Idaho agent make an oral statement that uses the existence of the guaranty association to induce a purchase?Idaho Code 41-4319
Section 41-4303 sets a smaller figure inside the life insurance ceiling for cash values. What is it?Idaho Code 41-4303(3)(b)
Section 41-4306 continues the guaranty association's accounts for assessment. What are they?Idaho Code 41-4306(1)
Section 41-4306 places the guaranty association under one official's immediate supervision. Which one?Idaho Code 41-4306(2)
What information about the guaranty association may be furnished to an Idaho policy owner on request, despite the advertising ban?Idaho Code 41-4319
Which figure does section 41-4303 give for major medical insurance?Idaho Code 41-4303(3)(b)
How this list was compiled: Own questions, written from Title 41 of the Idaho Code as published by the Idaho Legislature at https://legislature.idaho.gov/statutesrules/idstat/Title41/, downloaded and read on 2026-10-09: chapter 1 (section 41-117, the general penalty), chapter 10 (producer licensing), chapter 13 (trade practices and frauds), chapter 18 (the insurance contract), chapter 19 (life insurance policies and annuity contracts), chapter 20 (group life insurance), chapter 21 (disability insurance policies), chapter 22 (group and blanket disability insurance), chapter 43 (the Idaho Life and Health Insurance Guaranty Association), chapter 44 (Medicare supplement insurance) and chapter 46 (long-term care insurance). Statutes only: no rule of the Idaho Administrative Code was read. No question here was taken from a prelicensing course, a testing vendor's handbook or a question pool, so this bank does not cover the product knowledge the state exams also ask. The topics were compared on October 9, 2026 with the Idaho Specific Knowledge part of the Idaho Life Producer and the Accident and Health or Sickness (Disability/Health Producer) examination content outlines, which the Idaho Department of Insurance posts on its Testing and Fingerprints page, https://doi.idaho.gov/industry/licensing-services/testing-and-fingerprints/ (the outlines: https://doi.idaho.gov/wp-content/uploads/Licensing/LIFE-CO.pdf and https://doi.idaho.gov/wp-content/uploads/Licensing/AHS-CO.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
Unofficial Idaho life insurance exam practice tests on the law alone: 85 free questions from Title 41 of the Idaho Code, with disability (accident and health) law in its own group. Policy types, underwriting and textbook theory are not asked.
Read the full guide
Idaho life insurance practice test, one exam at a time
The Department of Insurance lists a life producer exam and a disability/health producer exam, and says every line of authority is tested separately. For life, set the topic filter to Life policy provisions, then Annuities and the free examination. For the other, use Disability (accident and health) provisions.
An Idaho life and health insurance study guide in questions
Every answer links to its section on the Legislature's site. Idaho's own points: a twenty day free examination for life policies and annuities, fourteen days' notice before a life policy lapses, and the word disability for accident and health insurance.
Free examination: 20 days for life policies and annuities (Idaho Code 41-1935), 10 days for individual health policies (41-2138).
Death proceeds are due within 30 days of proof, with interest from the date of death when late (41-1337).
Producer penalty: up to $1,000, and suspension for up to 12 months (41-1016).
Questions and answers
Is this Idaho life insurance practice test free?
Yes. All 85 questions are free and unofficial. Each was written from Title 41 of the Idaho Code, and every answer links to its section on the Idaho Legislature's website.
How long is the Idaho life insurance exam?
The Idaho Department of Insurance's content outline for the Life Producer exam gives 75 scored questions and a 120 minute time limit: 50 on general knowledge and 25 on Idaho law, plus unscored pretest questions. The Disability/Health Producer outline gives the same.
Does Idaho require prelicensing education?
No. The Department of Insurance's testing page says Idaho does not require pre-licensing education. Idaho Code 41-1006 does require a resident applicant to pass a written examination, and the license application must arrive within 180 days of passing.
Are these the real Idaho insurance exam questions?
No. They were written for this site from the Idaho Code. The Idaho Department of Insurance did not write or review them, and each line of authority has its own state examination. Exam mode draws 25, the size of the Idaho part.