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The WI A&H exam has 100 questions and runs 2 hours.
These 10 free WI A&H questions are organized by exam domain, so you can see how each part of the Wisconsin Accident & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A Wisconsin intermediary emphasizes the lower premium of a proposed health policy but omits that it excludes a medication the client currently uses. The client relies on the comparison and surrenders existing coverage. Which prohibited practice is most directly implicated?
Correct answer: B - Twisting
At the end of a Wisconsin resident intermediary's biennial reporting period, the intermediary has completed 22 approved continuing-education hours, including 4 hours of insurance ethics. What remains necessary?
Correct answer: D - Two more approved CE hours are required; they need not be ethics
Before first selling LTC insurance, a Wisconsin intermediary completes the required 8-hour initial course. At the next biennial renewal, general CE is complete but no additional LTC course has been taken. What product-specific training is needed to continue LTC sales?
Correct answer: C - Complete 4 LTC hours, including 1 Wisconsin Medicaid hour
Two reasonable readings can be drawn from an insurer-drafted health-policy exclusion, and neither an endorsement nor a statute resolves the wording. Which contract principle supports construing the ambiguity in favor of the insured?
Correct answer: D - The contract of adhesion doctrine
At public enrollment events, an insurer supplies branded materials and knowingly allows a producer to collect initial premiums. The written agency agreement is silent, but a consumer reasonably relies on the insurer's conduct. Which doctrine can bind the insurer to the consumer?
Correct answer: B - Apparent authority
The contract promises $300 for each day of covered hospitalization, regardless of actual hospital charges, and allows the insured to use the payment for any purpose. Which coverage fits that promise?
Correct answer: A - Hospital indemnity coverage
Before becoming disabled, a self-employed consultant earned $8,000 per month from work. She now earns $5,000 while working reduced hours and also receives $1,000 in passive investment income. Her policy pays the same percentage of its $4,000 total monthly benefit as the percentage reduction in earned income. No offsets apply. What residual disability benefit is payable?
Correct answer: A - $1,500
An HMO member traveling in rural Wisconsin develops sudden crushing chest pain and goes directly to the nearest out-of-network emergency department. The primary care office was closed, and no prior authorization was obtained. Which plan response is most consistent with emergency-services rules?
Correct answer: C - Evaluate the care as an emergency without requiring prior authorization
Current-employment coverage under a 45-employee firm's group health plan includes a 67-year-old active employee who also has Medicare. Under Medicare Secondary Payer rules, which coverage is generally primary?
Correct answer: A - The employer group health plan
Monday and Tuesday are classified as inpatient days for a Medicare beneficiary. Wednesday is observation care, followed by a Thursday transfer to a skilled nursing facility for daily skilled therapy. Ignoring statutory waivers, how is the hospital-stay prerequisite evaluated?
Correct answer: B - It is not met because only two days were classified as inpatient care
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