Free Alaska Accident & Health Insurance Practice Exam 2
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Alaska insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 225 Questions
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Health InsuranceLong-term Care
Respite care covered by LTC insurance typically provides:
General InsuranceContracts Terminology
An insurance contract is aleatory because:
General InsuranceBasic Principles
Subrogation is the right of the insurer to:
Alaska Insurance Law & EthicsUnfair trade practices
An insurance producer offers to pay 25% of a client's first-year life insurance premium from their own pocket as an incentive to close a large policy sale. What unfair trade practice has been committed?
Health InsuranceManaged Care
Which type of utilization review occurs before a medical service is provided, requiring approval from the managed care plan?
Health InsuranceIndividual Health
A 'special enrollment period' (SEP) under the ACA is triggered by qualifying life events such as:
Health InsuranceACA / PPACA
Under the ACA's modified community rating rules, the maximum age rating ratio that insurers may apply between the oldest and youngest adult policyholders is:
Health InsuranceGroup Health
The 'late entrant' provision in group health insurance:
Health InsuranceTypes of Policies
The mandatory 'Notice of Claim' provision requires an insured to provide written notice to the insurer within how many days after a covered loss begins?
Alaska Insurance Law & EthicsDuties
An insurance producer receives a cease and desist order from the Director for deceptive advertising in Anchorage. If the producer knowingly violates this order, what is the maximum civil penalty the Director may impose per violation under Alaska law?
Health InsuranceLong-term Care
The elimination period in a long-term care insurance policy is:
Health InsuranceTypes of Policies
What is a 'dread disease' or 'limited risk' policy?
Health InsuranceGroup Plans
A husband and wife are both covered by their respective employers' group health plans. The husband files a medical claim for himself. Under the Coordination of Benefits (COB) guidelines, which plan is primary?
Alaska Insurance Law & EthicsProducer licensing
How is the biennial renewal date for an individual resident insurance producer license determined in Alaska?
Health InsuranceTypes of Policies
What is a Flexible Spending Account (FSA)?
Health InsuranceManaged Care
Which managed care model involves physicians and other providers being employed directly by the HMO?
Alaska Insurance Law & EthicsUnfair trade practices
An insurer advertises that its term life policy has the 'lowest premiums in Alaska,' but omits the fact that the rate increases dramatically after the first year. What is this violation?
General InsuranceContracts & Terminology
A statement made by an applicant that is guaranteed to be true is a(n):
Health InsuranceMedicare & Medicaid
What is another name for Medicare Part C?
Health InsuranceACA / PPACA
Under the ACA's community rating rules which of the following factors may insurers use to vary premium rates?
Health InsuranceMedicare & Medicaid
Medicare Part D (prescription drug coverage):
General InsuranceContracts Terminology
Which element is NOT required for a valid insurance contract?
Health InsuranceMedicare & Medicaid
All Medigap policies are:
General InsuranceContracts Terminology
An insurance contract is classified as a contract of adhesion because:
Alaska Insurance Law & EthicsDuties