10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The DE-LH exam has 221 questions and runs 4 hours 30 minutes.
These 10 free DE-LH questions are organized by exam domain, so you can see how each part of the Delaware Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A 42-year-old applicant wants permanent life insurance with flexible premiums and the ability to direct cash value among equity and bond subaccounts. The applicant understands that poor investment performance and inadequate funding could cause the policy to lapse. Which policy best fits these objectives?
Correct answer: C - Variable universal life
After deciding to stop paying premiums permanently, the owner of a whole life policy wants to preserve the largest current death benefit and accepts that coverage will last only for a limited time. The owner should elect:
Correct answer: A - Extended-term insurance
A life policy provides a 31-day grace period. The premium was due May 1, and the insured dies on May 18 without having paid it. There is no policy loan or other deduction. How should the claim be handled?
Correct answer: D - Pay the death benefit less the overdue premium
An applicant proposes a large single-premium whole life purchase using multiple monetary instruments in round amounts just below reporting levels. The applicant also requests an immediate ownership change to an unrelated company and a large early policy loan. The producer's next step should be to:
Correct answer: B - Follow the insurer's AML process and report the red flags without alerting the applicant
A 50-year-old owns a Modified Endowment Contract with an $80,000 cash value and a $55,000 cost basis. The owner takes a $30,000 policy loan. Ignoring statutory exceptions, which federal tax result applies?
Correct answer: A - $25,000 is taxable, and the 10% additional tax generally applies
An unlicensed human resources coordinator enrolls employees in the employer's noncontributory group health plan, explains eligibility dates and certificate mechanics, receives only a salary, and never recommends whether anyone should enroll. Under Delaware producer-licensing rules, this work is:
Correct answer: C - Treat it as exempt group-plan administration
A Delaware insurer terminates a producer's appointment for a statutory cause. Which sequence satisfies the required notice and response periods?
Correct answer: B - Notify the Commissioner within 30 days after termination, copy the producer within 15 days after that notice, and allow 30 days for comments after receipt
A prospect asks whether an insurer's financial strength matters because the Delaware Life and Health Insurance Guaranty Association exists. Which response is appropriate?
Correct answer: D - Protection is limited, and the Association may not be used as an inducement to buy
A replacing insurer's home office receives a Delaware life application on Tuesday and issues the new policy on Friday. Regulation 1204 requires the replacing insurer to:
Correct answer: D - Notify the existing insurer within 7 working days after Tuesday and provide a 20-day refund right
To induce a policyowner to surrender an existing whole life policy for coverage from another insurer, a producer falsely states that the existing policy's cash value will disappear at year-end. This conduct is best classified as:
Correct answer: B - Twisting
The DE-LH exam also covers these domains. Drill them in the full free practice test:
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