A person sells a Utah policy without the license Utah Code 31A-23a-103 requires. What does that section say about the insurance contract?Utah Code 31A-23a-103(3)
A producer is a member of a state professional producer association. How much continuing education credit may Utah give for that membership in one year?Utah Code 31A-23a-202(3)(e)
A producer licensed in another state moves to Utah. Within how many days of establishing legal residence must the producer apply to become a resident licensee?Utah Code 31A-23a-105(4)
A Utah licensee changes the business telephone number registered with the commissioner. Within how many days must the commissioner be notified?Utah Code 31A-23a-412(1)(c)
A Utah licensee collects a premium to forward to the insurer. If it is not sent on by what time must it be deposited in a trust account?Utah Code 31A-23a-409(1)(d)
A Utah producer is charged with a crime. The 30 days Utah Code 31A-23a-105 allows for reporting the prosecution run from which event?Utah Code 31A-23a-105(2)(c)
A Utah producer keeps premium money in an interest-bearing trust account. Who may be paid the interest?Utah Code 31A-23a-409(4)
Show all 86 questions (79 more)
Producer licensing and discipline, continued
A Utah producer license lapses because the renewal application was not submitted. Until when may the licensee ask for reinstatement?Utah Code 31A-23a-113(1)(c)
A Utah revocation order names no waiting time. For how long may the former licensee not apply for a new license without the commissioner's express approval?Utah Code 31A-23a-111(8)
After an adjudicative proceeding, for how long at most may the Utah commissioner suspend a producer license under Utah Code 31A-23a-111?Utah Code 31A-23a-111(5)(a)
An unpaid final judgment becomes a ground for action against a Utah license once it is more than how many days past due?Utah Code 31A-23a-111(5)(b)
Another state fines a Utah licensee in an administrative action. Under Utah Code 31A-23a-105, how soon after the final disposition must the licensee report it to the commissioner?Utah Code 31A-23a-105(2)(c)
Besides the address and telephone numbers of the principal place of business, what must every licensee register and maintain with the Utah commissioner?Utah Code 31A-23a-412(1)(a)
For how long after the end of a two-year licensing period must a Utah producer keep documentation of completing that period's continuing education?Utah Code 31A-23a-202(8)
For how long at most may the Utah commissioner place a licensee on probation?Utah Code 31A-23a-112(1)
How does a nonresident producer satisfy Utah's continuing education requirements under Utah Code 31A-23a-202?Utah Code 31A-23a-202(7)
How many of a Utah producer's continuing education hours in a two-year licensing period must be ethics courses?Utah Code 31A-23a-202(3)(b)
How old must a natural person be to qualify for a Utah producer license under the character requirements of Utah Code 31A-23a-107?Utah Code 31A-23a-107(4)
To which applicants may Utah apply the line of authority examination requirement of Utah Code 31A-23a-108?Utah Code 31A-23a-108(3)
Under Utah Code 31A-23a-202, how many credit hours of continuing education must a life and health producer complete in each two-year licensing period?Utah Code 31A-23a-202(3)(b)
What must a resident individual producer have in place at all times during the term of the license under Utah Code 31A-23a-203.5?Utah Code 31A-23a-203.5(1)
What share of the required continuing education hours must a Utah producer complete through classroom hours of insurance-related instruction?Utah Code 31A-23a-202(3)(b)
Who must appoint a Utah producer and report the new appointment to the commissioner before the producer does business for an insurer?Utah Code 31A-23a-115(1)
Life policy provisions 18
A change of beneficiary is requested in the insurer's form and handed to its agent. How long before payment to the earlier beneficiary must that be for the Utah insurer to have actual notice?Utah Code 31A-22-413(2)(b)
A Utah death claim is still unpaid 31 days after the insurer has proof of death and what it needs to pay. What additional annual interest then accrues?Utah Code 31A-22-428(3)
A Utah employee dies during the period for converting group life coverage, before applying for an individual policy. What is payable?Utah Code 31A-22-519
A Utah life policy in force for five years lapses and is reinstated. On what may the insurer contest it during the two years after reinstatement?Utah Code 31A-22-403(4)
A Utah policyowner assigns a life policy. When do the beneficiary's rights come ahead of the assignee's?Utah Code 31A-22-412(3)
An insured dies by suicide one year after a Utah life policy was issued. What must the insurer pay the beneficiary at the least?Utah Code 31A-22-404(1)(c)
At application the insured was older than the insurer's maximum age limit and the age was misstated. What must the Utah insurer do?Utah Code 31A-22-405(2)
From the date of death, interest on Utah life insurance proceeds accrues at no less than the greater of the policy's rate for funds left on deposit and which rate?Utah Code 31A-22-428(2)
How long before the day a Utah life insurer terminates coverage must it send written notice of termination to the policyholder's last-known address?Utah Code 31A-22-402(5)
No designated beneficiary is living when a person insured under a Utah group life policy dies. Up to what amount may the policy let the insurer pay someone who bore the burial expense?Utah Code 31A-22-516
Under Utah Code 31A-22-401, for which reason besides one allowed by Subsection 31A-21-105(2) may a life policy let the insurer cancel or terminate it?Utah Code 31A-22-401(4)
What is the highest fixed policy loan interest rate a Utah life policy may provide under Utah Code 31A-22-420?Utah Code 31A-22-420(3)(a)
What is the shortest grace period Utah allows on an individual life policy whose premiums are payable weekly?Utah Code 31A-22-402(2)
What must a Utah insurer tell an applicant for individual life insurance, in writing, at the time of application under Utah Code 31A-22-430?Utah Code 31A-22-430(1)
When must an insurable interest in the insured exist for a Utah life policy under Utah Code 31A-21-104?Utah Code 31A-21-104(2)(c)
Which provision may a Utah life insurance policy not contain under Utah Code 31A-22-401?Utah Code 31A-22-401(3)
Which Utah individual life policies have a two-year, not a three-year, period for reinstatement after premium default?Utah Code 31A-22-407(1)
Within how long after premium default may a Utah individual life policy with a $50,000 face amount be reinstated on written application?Utah Code 31A-22-407(1)
Replacement and annuity sales 11
A product ruled inherently unsuitable is sold in Utah without the required statement and not through excusable neglect. Within what time may the purchaser treat the sale as voidable?Utah Code 31A-23a-403(3)
A Utah annuity contract replaces an existing one. For how long after delivery may the contract holder return it for any reason?Utah Code 31A-22-423(1)(a)
A Utah life policy is returned to the insurer within its examination period. How is the policy treated?Utah Code 31A-22-423(1)
An applicant answers "yes" to the replacement question on a Utah life application. By when must the producer present the notice regarding replacements?Utah Code 31A-22-429(2)
Besides identifying each existing policy, what must the Utah notice regarding replacements state about it?Utah Code 31A-22-429(3)
The existing insurer has not yet issued a policy number. How does the Utah replacement notice identify that policy?Utah Code 31A-22-429(3)(b)
In a Utah replacement sale, by when must the producer leave the applicant the original or a copy of all printed sales material?Utah Code 31A-22-429(4)
The Utah commissioner has declared an annuity product inherently unsuitable for buyers of a certain age. What does a sale to such a buyer require?Utah Code 31A-23a-403(2)
Which coverage does Utah Code 31A-22-423 itself exclude from the examination-period notice?Utah Code 31A-22-423(2)
Which of these must a Utah producer send the insurer with an application in a replacement transaction?Utah Code 31A-22-429(5)
Which Utah annuity contract may expressly prohibit assignment of rights under it?Utah Code 31A-22-412(4)
Accident and health provisions 16
A limited accident and health policy is issued to a Utah resident eligible for Medicare. How long after delivery may it be returned for a premium refund?Utah Code 31A-22-605(8)
A specific premium is required to cover a newborn under a Utah family policy. Within how long after the birth must the policyholder enroll the child?Utah Code 31A-22-610(2)(d)
A Utah family policy covers dependents. From when is a child placed for adoption 10 days after birth covered?Utah Code 31A-22-610(2)
A Utah insurer uses an application with no health questions. It must cover a loss from a preexisting condition not specifically excluded once the loss occurs more than how long after the effective date?Utah Code 31A-22-605.1(2)
A Utah policy covering spouses ends a spouse's coverage on divorce. To what is the former spouse entitled on applying and paying the premium?Utah Code 31A-22-612(2)
A Utah policy covers maternity. What is the shortest benefit it may provide mother and newborn after a caesarean section delivery?Utah Code 31A-22-610.2(1)
After how long from the effective date may a Utah specified disease policy no longer deny a claim for loss due to a preexisting condition?Utah Code 31A-22-605.1(3)
An insured files proof of loss late under a Utah policy. Under Utah Code 31A-21-312, what must the insurer show for the delay to bar recovery?Utah Code 31A-21-312(2)
Is a Utah individual accident and health policy in force during its grace period?Utah Code 31A-22-607(1)
Two years after issue, a Utah health insurer seeks to avoid a policy for fraudulent misrepresentation in the application. What must the insurer prove?Utah Code 31A-22-609(1)
Until which birthday may a Utah accident and health policy with dependent coverage not end an unmarried dependent's coverage because of age?Utah Code 31A-22-610.5(2)
What grace period must a Utah group accident and health policy provide, absent written notice of discontinuance from the policyholder?Utah Code 31A-22-607(2)
What is the shortest grace period Utah requires on an individual accident and health policy with monthly premiums?Utah Code 31A-22-607(1)(a)
What is the shortest time limit a Utah accident and health policy may set for written proof of a loss that is not a continuing loss?Utah Code 31A-22-614(3)
Which accident and health policy does Utah Code 31A-22-606 itself list as having no 10-day right to return?Utah Code 31A-22-606(2)
Within how long after the inception of the loss must an action on a written Utah first party insurance policy generally be commenced?Utah Code 31A-21-313(1)
Marketing practices and penalties 11
A lender requires a Utah borrower to buy insurance. Which ground for disapproving the insurer the borrower picks is not reasonable under Utah Code 31A-23a-402?Utah Code 31A-23a-402(5)(b)
A person keeps disobeying an order of the Utah commissioner after a court complaint is filed. Up to how much may the court impose for each day until judgment?Utah Code 31A-2-308(2)(c)
A Utah insurer offers employer groups a premium discount for a wellness program. What is the most the discount for the employer group may be?Utah Code 31A-23a-402.5(3)(b)
A Utah producer hands out advertisements that break the false-communication rule and that the insurer supplied. What follows for the insurer?Utah Code 31A-23a-402(1)(b)
Besides any other penalty, how much of the profit gained from violating a Utah insurance statute may a person be made to forfeit to the state?Utah Code 31A-2-308(1)(a)
For how long after an insurance contract takes effect may a Utah producer extend credit on the premium without interest?Utah Code 31A-23a-402.5(4)(b)
Up to what fair market value is a gift or meal from a Utah producer presumed a social courtesy not conditioned on a quote or purchase?Utah Code 31A-23a-402.5
What is the most a Utah producer's gift may be worth when it is conditioned on the person receiving a quote for a particular insurance product?Utah Code 31A-23a-402.5(7)(b)
What is the most the Utah commissioner may order an individual producer to forfeit for each violation of an insurance statute or rule?Utah Code 31A-2-308(1)(b)
Which statement about future dividends is false or misleading information under Utah Code 31A-23a-402?Utah Code 31A-23a-402(1)(a)
Who may use the term "HMO" in referring to itself in Utah?Utah Code 31A-23a-402(1)(a)(v)
Guaranty association 7
An insolvent Utah insurer received a valid cash surrender request before the coverage date and did not pay it. What is the guaranty association's limit on that benefit?Utah Code 31A-28-103(8)(b)
By when must the Utah guaranty association's summary document reach the owner of a new policy?Utah Code 31A-28-119(2)(b)
How many public representatives sit on the board of the Utah Life and Health Insurance Guaranty Association, and who appoints them?Utah Code 31A-28-107(1)(a)
May a Utah producer mention the guaranty association's protection to persuade a client to buy a policy?Utah Code 31A-28-119(1)
One business owns many nongroup life policies with an insolvent Utah insurer. What is the most the guaranty association must cover for that owner?Utah Code 31A-28-103(9)(b)
What is the most the Utah Life and Health Insurance Guaranty Association may pay in death benefit for one life whose insured died before the coverage date?Utah Code 31A-28-103(8)(b)
What is the Utah guaranty association's limit for one life under an accident and health policy classified as a health benefit plan?Utah Code 31A-28-103(8)(b)(iii)
How this list was compiled: Utah Code Title 31A (Insurance Code), chapters 2, 21, 22, 23a and 28, read in the chapter files the Utah Legislature publishes at https://le.utah.gov/xcode/Title31A/31A.html on October 9, 2026 (they carry the 2026 General Session amendments). The topics follow the Insurance Regulation section and the Utah items of the producer exam content outlines in the Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025), which the Department links from https://insurance.utah.gov/licensees/producers/exam/ (the bulletin itself: https://www.prometric.com/files/ut-insurance/Utah-LIB.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
This unofficial Utah health insurance license practice test asks state law only: 86 of our own questions from Utah Code Title 31A, for the life and the accident and health producer exams. Not affiliated with the Utah Insurance Department.
Read the full guide
Utah life and health insurance practice tests by outline topic
The Department's Licensing Information Bulletin opens every producer outline with Insurance Regulation: 10 percent of the life exam, 7 percent of the accident and health exam and of the combined one. The six groups here ask that law and what Title 31A sets for topics further down the outline: insurable interest, standard policy provisions, replacement, Utah requirements for medical plans.
A Utah life insurance practice test and study guide
A life-only candidate needs four groups: licensing, life policy provisions, replacement and annuity sales, and marketing practices. Used as a life insurance license study guide to Utah state licensing and regulations, the bank links each answer to the section it rests on.
Individual health grace period: 15 days on weekly or monthly premiums, 30 days otherwise, and the policy is not in force meanwhile (31A-22-607).
Right to return: 10 days after delivery, 30 days for a replacement life policy or annuity (31A-22-423).
Proof of loss on a health claim: the policy's deadline may not be shorter than 180 days after the loss (31A-22-614).
Questions and answers
How many questions are on the Utah life and health insurance exam?
The Department's Licensing Information Bulletin, effective September 25, 2025, lists 100 questions in 2 hours for the life exam, the same for accident and health, and 150 questions in 2.5 hours for the combined exam. It prints no pass mark, so none is given here.
Does Utah require a prelicensing course before the insurance exam?
No. The Utah Insurance Department's exam page says Utah requires nothing before licensing by way of pre-licensing study and offers no study materials of its own. A candidate passes the exam first and applies for the license afterward.
How many continuing education hours does a Utah insurance producer need?
24 credit hours for every two-year licensing period, 3 of them ethics courses, with at least half through classroom hours (Utah Code 31A-23a-202). A nonresident producer satisfies Utah by meeting the home state's requirement.
Are these the real Utah insurance exam questions?
No. They are our own, written from Utah Code Title 31A. This site has never seen the state exam, and the Utah Insurance Department did not write or review them. The 25 questions drawn in exam mode are a set size, not the exam's length.