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 NELH exam has 150 questions and runs 2 hours 30 minutes.
These 10 free NELH questions are organized by exam domain, so you can see how each part of the Nebraska Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
After passing Nebraska Series 13-03, an applicant's producer-license application is still pending. A prospective client asks the applicant to recommend a policy and take the first premium. What is the applicant's proper response?
Correct answer: B - Wait until the license is issued and any required insurer appointment is effective
An insurer gives a producer company business cards, an insurer-branded email address, and a desk in its local office. Although the private agency agreement restricts the producer from binding a certain policy, a customer reasonably believes the producer has that power because of the insurer's conduct. Which authority is implicated?
Correct answer: D - Apparent authority
A family's life-insurance analysis identifies $110,000 of immediate cash needs, an $80,000 education goal, and a $30,000 annual survivor-income shortfall. Using a 5% net return to preserve capital, the family also has $140,000 of usable liquid assets and $250,000 of existing life insurance. Approximately how much additional death benefit is needed?
Correct answer: A - $400,000
An indexed universal life policy has a 75% participation rate, an 8% cap, and a 0% floor. The referenced index rises 12% for the crediting period. Which statement most accurately describes the interest credit and the policy's net cash-value result?
Correct answer: C - The credit is limited to 8%, and policy charges can still reduce net cash-value growth
A life-policy owner named an irrevocable beneficiary and later requests a policy loan. No special consent provision changes the usual rule. How should the insurer treat the request?
Correct answer: B - Require the irrevocable beneficiary's consent before making the loan
Two spouses want annuity income to continue for as long as either spouse remains alive. They accept that the periodic payment will generally be lower than a comparable single-life payment. Which payout option matches that objective?
Correct answer: A - Joint-and-survivor life income
A non-MEC life policy is surrendered with a gross cash surrender value of $120,000, an outstanding policy loan of $30,000, and a tax basis of $95,000. The owner receives $90,000 after the loan is satisfied. What taxable gain is recognized under the stated facts?
Correct answer: D - $25,000
A producer accidentally emails an underwriting file containing a client's nonpublic health information to the wrong recipient. What is the most appropriate immediate response?
Correct answer: C - Stop further disclosure, notify the privacy or security channel, attempt mitigation, and document the incident
During health underwriting, an MIB coded alert appears inconsistent with an applicant's answers. The alert is not itself proof of a diagnosis or misrepresentation. What should the insurer do next?
Correct answer: A - Obtain appropriate verification before making the underwriting decision
A required reinstatement application and premium are conditionally receipted, and the insurer neither approves nor disapproves the application. The policy is reinstated on the 45th day. Two days later, the insured sustains an otherwise covered accidental injury. Which conclusion follows from the standard reinstatement provision?
Correct answer: B - The accident falls within the immediate accident coverage that follows reinstatement
The NELH exam also covers these domains. Drill them in the full free practice test:
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