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
A disability policy that covers accidents but not sickness is known as:
Health InsuranceTypes of Policies
Under a typical COB 'birthday rule,' if a child is covered by both parents' health plans, which parent's plan is considered primary?
New York Insurance Law & EthicsGuaranty Association
A resident has a long-term care policy with an insolvent insurer in New York. What is the maximum coverage provided by the New York Guaranty Association for long-term care benefits?
Health InsuranceIndividual Health
Under the ACA, 'grandfathered' health plans are:
General InsuranceContracts Terminology
The parol evidence rule in insurance means:
General InsuranceBasic Principles
A stock insurance company is owned by its:
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?
General InsuranceContracts & Terminology
A statement made by an applicant that is guaranteed to be true is a(n):
New York Insurance Law & EthicsClaims handling
An insurer needs more time to investigate a complex disability claim. Within how many days of receiving proof of loss must they notify the claimant of the need for more time?
Health InsuranceLong-term Care
Which of the following settings is typically covered by long-term care insurance?
Health InsuranceDisability Income
The 'own occupation' definition of total disability is MORE favorable to the insured than the 'any occupation' definition because:
Health InsuranceACA / PPACA
Under the ACA, a Bronze plan has an actuarial value of approximately 60%. This means that on average the enrollee is expected to pay what percentage of covered medical costs through cost-sharing?
Health InsuranceManaged Care
A 'high-deductible health plan' (HDHP) for 2024 purposes has a minimum deductible of:
New York Insurance Law & EthicsFree-Look & Grace Periods
A life insurance policy is delivered to a client in New York. The policy does not contain a free-look provision. What is the status of the policy?
New York Insurance Law & EthicsReplacement regulations & Regulation 187
An existing insurer receives notice that one of its policies is being replaced. What is the existing insurer's right under New York replacement rules?
Health InsuranceTypes of Policies
Which of the following is typically considered a 'major' service under a dental plan?
New York Insurance Law & EthicsProducer licensing
Which of the following persons is EXEMPT from the licensing requirements in New York?
Health InsuranceACA / PPACA
Under the ACA employer mandate, coverage is considered 'affordable' if the employee's required contribution for self-only coverage does not exceed approximately what percentage of their household income?
Health InsuranceDisability Income
Under Social Security Disability Insurance (SSDI), a person qualifies for benefits if they:
General InsuranceContracts & Terminology
A contract requires that both parties bring something of value to the exchange. This is known as:
Health InsuranceTypes of Policies
An individual health insurance policy that the insurer cannot cancel and cannot increase the premium on is classified as:
General InsuranceContracts & Terminology
Because the insurer writes the policy and the insured has no say in its wording, an insurance policy is considered a(n):
Health InsuranceGroup Plans
An employee has coverage through their employer and is also covered as a dependent under their spouse's plan. If the employee files a claim, which plan is primary?
Health InsuranceLong-Term Care Insurance
What is 'respite care' in the context of an LTC policy?
Health InsuranceMedicare & Medicaid