LA Life & Health case studies
LA Life & Health · Put your knowledge to work in context.
The Louisiana Life & Health Insurance Producer License Exam is the licensing test a candidate must pass to be cleared to sell life insurance, accident and health insurance, or both in Louisiana. It is aimed at new producers entering the insurance business, career changers moving into financial services, and existing agency staff who need to add a line of authority. The LA Life & Health case studies are 5 cases and about 4,179 words.
1The Lapsed License, the Personal Check, and the Free Tablet
Denise holds a Louisiana life and health producer license and is appointed by Insurer A. Her renewal payment was returned for insufficient funds in March, so her license lapsed.
791 words, about 4 min2Conditional Receipt, a Posthumous Rating, and Two Wives
On March 3 Robert, 51, submits a $500,000 20-year term application, pays the first premium, and receives a conditional receipt. The March 10 paramedical exam shows elevated blood pressure.
817 words, about 4 min3The Surgeon, the Residual Rider, and the Second Diagnosis
Kevin, 44, is an orthopedic surgeon in Baton Rouge. He owns an individual disability income policy paying 6,000 a month with a 90-day elimination period, a five-year benefit period, own-occupation for the first 24 months and any-occupation after that, a residual disability rider, and a dollar-for-dollar Social Security offset.
810 words, about 4 min4Harold Retires: Medicare, the Group Plan, and Ruth
Harold, 68, has worked full time for 22 years for a Louisiana manufacturer with 45 employees and is covered under its group health plan. He enrolled in Medicare Part A at 65 but declined Part B.
875 words, about 4 min5Louise's 1035 Exchange and the 5% Roll-Up
Louise, 72, is a widow in Lafayette. Her husband's 250,000 life insurance benefit sits in a bank account earning almost nothing.
886 words, about 4 min