WA Life & Health case studies

WA Life & Health · Put your knowledge to work in context.

The Washington Life & Health producer license is the credential the Washington State Office of the Insurance Commissioner (OIC) issues to individuals who sell or solicit life insurance, annuities, and health-related coverages in the state. Candidates typically pursue it to work as an agent or broker for a carrier, an agency, or as an independent producer, and many earn it as a first step before adding lines such as property and casualty. The WA Life & Health case studies are 5 cases and about 3,974 words.

Appointment Timing, Premium Handling, and a Client's Ignored Claim

Dana has held a Washington life and health producer license for six years. On April 1 she leaves Agency A and joins Agency B.

781 words, about 4 min 2

Suicide Clause, Reinstatement, and Misstated Age on a Whole Life Policy

Marcus applied for a 250,000 whole life policy in March 2015 and listed his birth year as 1975; he was actually born in 1970. The policy was issued as applied with a two-year suicide clause and a two-year incontestability clause, and the premium was 3,500 a year.

597 words, about 3 min 3

A Ten-Year Surrender Schedule Sold to a Client Who Needs Cash in Eighteen Months

Ruth is 72, widowed, with 1,950 a month in Social Security and a small pension. She has 300,000 in an IRA certificate maturing in 30 days and 18,000 in a savings account, and she takes her required minimum distribution each year.

692 words, about 3 min 4

Own-Occupation, Residual Benefits, and Offsets for a Partially Disabled Dentist

Priya is 56 and a practicing dentist earning 220,000 a year, roughly 18,300 a month. Her individually owned disability policy pays 8,000 a month after a 90-day elimination period, with an own-occupation definition for 24 months that then becomes any-occupation, and a residual benefit that pays proportionally when her income loss is at least 20%.

920 words, about 5 min 5

Delayed Medicare Enrollment, HSA Contributions, and Coverage After Retirement

Ken is 67 and has worked full time for 20 years for a Washington employer with 15 employees. He stayed on the group medical plan and a group high-deductible plan with an HSA instead of enrolling in Medicare at 65.

984 words, about 5 min