Free Alaska Accident & Health Insurance Practice Exam 3
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 325 Questions
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Health InsuranceACA
Under the ACA employer mandate for ALEs with 100+ employees in 2015 and 50+ in 2016 and beyond:
Health InsuranceGroup Plans
What is a self-funded or self-insured health plan?
Health InsuranceHealth Insurance Basics
The 'birthday rule' applies to:
General InsuranceBasic Principles
In order to be insurable, a risk must NOT be:
Health InsuranceMedicare & Medicaid
Medicare Part B covers:
Alaska Insurance Law & EthicsFree-Look & Grace Periods
An industrial life insurance policy (premiums collected weekly) is issued in Alaska. What is the required statutory grace period for this policy?
Health InsuranceMedicare & Medicaid
A Medicare beneficiary, Charles, wants to purchase a Medigap (Medicare Supplement) policy to cover deductibles and co-payments. To prevent duplicate coverage, which of the following is TRUE?
General InsuranceBasic Principles
Which of the following represents a 'speculative risk' that is generally NOT insurable?
Health InsuranceMedicare & Medicaid
What is the role of the Centers for Medicare & Medicaid Services (CMS)?
General InsuranceContracts & Terminology
John has a dispute with his insurer over an ambiguous clause in his health insurance contract. Since the contract was written solely by the insurer with no negotiation, how will a court typically resolve the ambiguity?
Health InsuranceGroup Plans
In a group health insurance plan, the contract is between the:
Health InsuranceHealth Insurance Basics
A 'calendar-year deductible' in health insurance means:
Health InsuranceLong-Term Care Insurance
What is custodial care?
Health InsuranceGroup Health
Under the ACA for plan years beginning on or after January 1, 2014, annual and lifetime dollar limits on:
Health InsuranceDisability Income
A 'residual disability benefit' in a disability income policy:
Health InsuranceACA
Which of the following is covered as a preventive service at no cost-sharing under the ACA?
Alaska Insurance Law & EthicsFree-Look & Grace Periods
A client purchases a variable life insurance policy and experiences a stock market decline during the free-look period. If the client returns the policy within the free-look window in Alaska, what refund is the client entitled to?
Alaska Insurance Law & EthicsClaims handling
Under Alaska law, how long must an insurance company maintain complete claims files and records for inspection by the Division of Insurance?
Health InsuranceMedicare & Medicaid
Medicare Advantage (Part C) plans must cover all of the following EXCEPT:
Alaska Insurance Law & EthicsClaims handling
An insurer denies a health claim citing an exclusion for 'investigational treatment.' What must the insurer provide to support the validity of this denial under Alaska regulations?
General InsuranceContracts Terminology
Concealment in an insurance application refers to:
Health InsuranceMedicare & Medicaid
In a Medicare Part D plan, what is 'catastrophic coverage'?
General InsuranceContracts & Terminology
The intentional failure to disclose a known, material fact on an insurance application is known as:
Health InsuranceDisability Insurance
Long-Term Disability (LTD) insurance typically has a benefit period of:
Alaska Insurance Law & EthicsUnfair trade practices