Free Delaware 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 Delaware 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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Delaware Insurance Law & EthicsDelaware Auto Insurance Requirements
Delaware requires mandatory Personal Injury Protection (PIP) coverage as part of auto insurance, providing at minimum:
Delaware Insurance Law & EthicsWorkers' Compensation — Delaware Specifics
Under Delaware workers' compensation law, an injured employee must wait how many days before temporary total disability benefits begin?
Delaware Insurance Law & EthicsGuaranty Association
The Delaware Life & Health Insurance Guaranty Association maximum for major medical (health) claims is:
Health InsuranceContinuation Coverage
Which of the following is a qualifying event that triggers COBRA continuation rights for a covered employee's spouse?
Health InsuranceDisability Income Insurance
An 'any-occupation' disability definition pays benefits ONLY if the insured:
Health InsuranceACA (Affordable Care Act)
Group health insurance under the ACA must provide coverage for dependents up to what age?
Health InsuranceDisability Income Insurance
A disability income policy that covers an insured who suffers a loss of income due to both accident AND sickness is called a(n):
Health InsuranceLong-Term Care Insurance
The benefit period of a long-term care insurance policy refers to:
Health InsuranceACA (Affordable Care Act)
Under the ACA individual mandate (before its effective repeal at the federal level), uninsured individuals were required to:
Health InsuranceDisability Income Insurance
When a disability income policy uses a Social Security rider/offset, the benefit paid by the policy is REDUCED by:
Delaware Insurance Law & EthicsProducer Duties & Ethics
A producer who fails to inform a prospect that a high-deductible health plan (HDHP) is paired with an HSA to reduce effective out-of-pocket costs may be:
Delaware Insurance Law & EthicsUnfair Claims Practices
Under Delaware's unfair claims settlement practices, an insurer must acknowledge receipt of a health insurance claim within how many working days?
Health InsuranceAccidental Death & Dismemberment
An accidental death and dismemberment (AD&D) policy pays the principal sum (full benefit) for which of the following?
Health InsuranceACA (Affordable Care Act)
Which of the following statements about health insurance is CORRECT under the ACA?
Health InsuranceGroup Health Insurance
A group health insurance plan that is self-funded (self-insured) by an employer is generally:
Health InsuranceHealth Insurance Policy Provisions
Under the guaranteed renewability provision of an individual health insurance policy, the insurer:
Delaware Insurance Law & EthicsUnfair Trade Practices
Under Delaware insurance law, a producer found to have engaged in unfair trade practices may be subject to all of the following EXCEPT:
Health InsuranceBusiness Disability Insurance
Business overhead expense (BOE) disability insurance provides coverage for:
Health InsuranceHealth Insurance Policy Provisions
In a non-cancellable health insurance policy, the insurer:
Health InsuranceHealth Insurance Policy Provisions
Under the physical exam and autopsy provision of a health insurance policy, the insurer has the right to:
Health InsuranceDisability Income Insurance
Under the change of occupation provision in a disability income policy, if an insured switches to a more hazardous occupation without notifying the insurer, the insurer will:
Delaware Insurance Law & EthicsGuaranty Association
The Delaware Insurance Guaranty Association for health insurance (disability/LTC) claims provides protection up to:
Delaware Insurance Law & EthicsContinuation Coverage — Delaware Specifics
In Delaware, employer-sponsored group health plans must comply with which of the following minimum continuation coverage requirements beyond COBRA?
Health InsuranceGroup Health Insurance
When an insurer issues a group life or health policy, the employee typically receives a:
Delaware Insurance Law & EthicsUnfair Claims Practices