Free Idaho 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 Idaho 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 InsuranceManaged Care
An Exclusive Provider Organization (EPO) is characterized by:
Health InsuranceHealth Insurance Basics
Which type of health insurance plan renews automatically but allows the insurer to increase premiums for an entire class?
Health InsuranceGroup Health
The 'birthday rule' is used to determine which parent's plan is primary for a dependent child when:
Health InsuranceDisability Income
A 'residual disability benefit' in a disability income policy:
Health InsuranceMedicare & Medicaid
The Medicare Part A hospital benefit period begins:
Health InsuranceACA
The ACA's 'essential health benefits' (EHBs) include all of the following EXCEPT:
Health InsuranceLong-term Care
A 'bed reservation benefit' in a long-term care policy:
Health InsuranceIndividual Health
Under the ACA, what is the maximum ratio by which insurers can charge older adults more than younger adults for the same coverage?
Health InsuranceTypes of Policies
A PPO (Preferred Provider Organization) plan allows members to:
Health InsuranceGroup Plans
Who receives a certificate of insurance as proof of coverage in a group plan?
Health InsuranceDisability Insurance
The 'own occupation' definition of total disability means the insured is unable to perform:
Health InsuranceLong-Term Care Insurance
Which of the following are considered Activities of Daily Living (ADLs)?
Health InsuranceACA / PPACA
Under the ACA's employer shared responsibility provision (employer mandate) which employers are subject to the requirement?
Health InsuranceHSAs HRAs and FSAs
Which of the following best describes the tax treatment of a Health Savings Account (HSA)?
Health InsuranceManaged Care
Utilization review in managed care is the process of:
General InsuranceTypes of Insurers
Which type of insurer issues both participating and non-participating policies?
General InsuranceInsurance Marketplace
A Third-Party Administrator (TPA) in the insurance industry is:
General InsuranceBasic Principles
Which of the following is NOT a requirement for a loss to be insurable?
General InsuranceContracts Terminology
A 'unilateral' contract in insurance means:
General InsuranceContracts & Terminology
An insurance policy is an aleatory contract, which means:
Idaho Insurance Law & EthicsProducer licensing
Under Idaho Code § 41-1036, how long must an insurance producer keep and maintain complete records of every insurance transaction?
Idaho Insurance Law & EthicsUnfair trade practices
An insurer charges significantly different disability premium rates to two individuals of the exact same age, occupation, and health risk class without actuarial justification. What violation has occurred?
Idaho Insurance Law & EthicsClaims handling
Under Idaho Code § 41-1329, which of the following is considered an unfair claims settlement practice?
Idaho Insurance Law & EthicsReplacement regulations
When a replacement occurs, within how many working days must the replacing insurer notify the existing insurer of the proposed replacement?
Idaho Insurance Law & EthicsFree-Look & Grace Periods