UT Life & Health case studies
UT Life & Health · Put your knowledge to work in context.
The Utah Life & Health insurance producer license is a state-issued credential administered by the Utah Insurance Department that authorizes an individual to solicit, sell, and service life insurance, annuity products, and accident and health insurance in Utah. Candidates typically pursue it to work as captive or independent agents, brokers, agency staff, or employee-benefits and annuity specialists, and many earn it alongside other lines of authority. The UT Life & Health case studies are 5 cases and about 4,400 words.
1The Divorce, the Silent Decree, and the Per Stirpes Clause
Robert, a Utah resident, bought a $500,000 individual whole life policy 12 years ago and named "my wife, Ellen, as primary beneficiary; my children, per stirpes, as contingent beneficiaries." He and Ellen divorced three years ago. The decree says nothing about the policy, and Robert never filed a change of beneficiary.
796 words, about 4 min2The Bonus Annuity, the Surrender Charge, and the Roof in Eighteen Months
Clara is 63 and retiring in June. Thirty-four months ago she moved 300,000 into a fixed deferred annuity through a 1035 exchange.
831 words, about 4 min3The Deductible, the Denied MRI, and the Out-of-Network Emergency
The Ortegas are covered under Priya's employer PPO. In-network benefits: 2,000 individual / 4,000 family deductible; 20% coinsurance after the deductible; 5,000 individual / 10,000 family out-of-pocket maximum (copays count toward it); 30 office-visit copay; preventive care at 100%; prior authorization required for MRI and non-emergency admissions; emergency services covered as in-network at any facility.
774 words, about 4 min4Working Past 65: Two Premiums, a 60-Employee Plan, and a Spouse Turning 65
Walter turned 65 in March. Because he has received Social Security retirement benefits since age 62, he was automatically enrolled in Medicare Parts A and B effective March 1, and the Part B premium is being deducted from his benefit check.
950 words, about 5 min5Utah Producer: No Appointment, a Rebate, a Referral Fee, and a Premium in His Own Account
Dan holds a Utah life and health producer license and is appointed by two insurers. He submits an application to Insurer X, with which he has no appointment, telling the client he is "fully licensed to write any company's products." To close a competing case, he pays the client's first-month premium with his own money and pays the client's unlicensed bookkeeper a 400 "referral fee" out of his commission.
1,049 words, about 5 min