Free New Jersey 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 New Jersey 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 InsuranceMedicare & Medicaid
What is the role of the Centers for Medicare & Medicaid Services (CMS)?
General InsuranceBasic Principles
A morale hazard arises from:
General InsuranceInsurance Marketplace
A stock insurance company is characterized by which of the following?
Health InsuranceDisability Income
The 'residual disability' provision is important for:
Health InsuranceDisability Insurance
Which rider allows for future increases in the disability benefit amount without evidence of insurability?
Health InsuranceGroup Plans
COBRA applies to employers with how many employees?
NJ Insurance Law & EthicsUnfair Trade Practices
Which of the following is prohibited as 'defamation' under NJ's Unfair Trade Practices Act?
General InsuranceContracts Terminology
The 'entire contract' provision in an insurance policy means:
NJ Insurance Law & EthicsLicensing Requirements
A NJ producer who lets their license lapse and then tries to place insurance business before reinstating:
Health InsuranceACA
The ACA requires applicable large employers (ALEs) — those with 50 or more full-time employees — to:
NJ Insurance Law & EthicsProducer Duties & Ethics
A NJ producer may share commissions with another licensed producer:
Health InsuranceHSAs HRAs and FSAs
The annual HSA contribution limit is set by the IRS and includes both employer and employee contributions. Individuals age 55 and older can make additional 'catch-up' contributions of:
General InsuranceInsurance Marketplace
Which of the following describes the role of a surplus lines broker?
Health InsuranceMedicare & Medicaid
Medicare Part D provides coverage for:
Health InsuranceLong-Term Care Insurance
What does a 'bed reservation' benefit in an LTC policy provide?
Health InsuranceTypes of Policies
An insured has a medical bill of $5,000. Their PPO plan has a $500 deductible and 90/10 coinsurance for in-network care. How much will the insured pay?
NJ Insurance Law & EthicsNJ Insurance Code
Under NJ insurance law, an 'admitted insurer' must:
Health InsuranceMedicare & Medicaid
All Medigap policies are:
General InsuranceBasic Principles
Which of the following is NOT a requirement for a loss to be insurable?
Health InsuranceIndividual Health
Under the NJ marketplace (GetCoveredNJ), coverage during a special enrollment period typically begins:
Health InsuranceTypes of Policies
What is a Flexible Spending Account (FSA)?
NJ Insurance Law & EthicsNJ-Specific Regulations
Under NJ's Insurance Fraud Prevention Act, civil penalties for a single violation can be as high as:
Health InsuranceACA / PPACA
Under the ACA's guaranteed issue provision for individual health insurance an insurer:
Health InsuranceLong-term Care
The inflation protection benefit option in a long-term care policy:
Health InsuranceTypes of Policies