Free New York Accident & Health Insurance Practice Exam 1
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the New York 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 125 Questions
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Health InsuranceDisability Insurance
Benefits from New York's SDI program are:
NY Insurance Law & EthicsNY Guaranty Fund & Consumer Protection
Under New York Insurance Law, the 'Superintendent of Financial Services' has the authority to:
NY Insurance Law & EthicsNew York Insurance Code & Unfair Practices
Under New York law, what is the standard free-look period for a life insurance policy?
General InsuranceInsurance Marketplace
The National Association of Insurance Commissioners (NAIC) is best described as:
Health InsuranceManaged Care
Under the capitation payment method used in managed care plans:
General InsuranceContracts & Terminology
Which part of an insurance policy personalizes the contract with information such as the insured's name, address, and premium?
Health InsuranceDisability Insurance
A disability that is presumed to be total and permanent, such as the loss of sight in both eyes or the loss of two limbs, is called a:
Health InsuranceGroup Plans
In a group plan, experience rating is based on:
NY Insurance Law & EthicsPolicy Replacement & Disclosure
Under New York Insurance Law, an illustration used in a life insurance sale must:
Health InsuranceGroup Plans
How much can an employer charge a former employee for COBRA continuation coverage?
Health InsuranceMedicare & Medicaid
To be eligible for Medicare due to disability, an individual must have been receiving Social Security disability benefits for:
Health InsuranceTypes of Policies
A fixed dollar amount that an insured pays for a specific covered service, such as a doctor's visit, is a(n):
Health InsuranceTypes of Policies
The ACA requires most health plans to cover a set of 'Essential Health Benefits' (EHBs). Which of the following is NOT typically considered an EHB?
Health InsuranceManaged Care
A New York HMO member needs to see a dermatologist but has not obtained a referral from their PCP. The member decides to visit an out-of-network dermatologist. In this scenario, the HMO will most likely:
Health InsuranceGroup Plans
Self-funded health plans are regulated by:
NY Insurance Law & EthicsNew York Insurance Code & Unfair Practices
New York Insurance Law Section 4226 prohibits which of the following?
General InsuranceBasic Principles
What does it mean if an insurer is 'non-admitted' in New York?
Health InsuranceHSAs HRAs and FSAs
An HSA account holder turns 65 and enrolls in Medicare. They withdraw HSA funds to pay for a new television. Which of the following describes the tax treatment of this withdrawal?
Health InsuranceDisability Insurance
The 'own occupation' definition of total disability means the insured is unable to perform:
Health InsuranceTypes of Policies
The optional 'Overinsurance' provision protects against:
General InsuranceContracts & Terminology
An insurance contract is conditional, which means:
General InsuranceBasic Principles
The risk management technique of taking action to reduce the frequency or severity of a potential loss is known as:
Health InsuranceGroup Plans
What is a self-funded or self-insured health plan?
Health InsuranceTypes of Policies
When an individual A&H policy is reinstated, coverage for accidents is effective:
NY Insurance Law & EthicsNew York Insurance Code & Unfair Practices