Free New York 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 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 225 Questions
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NY Insurance Law & EthicsSenior & Specialty Protections
Under New York law, Medicare Supplement policies sold in the state must:
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceLong-Term Care Insurance
In New York, what is the 'HIICAP' program?
General InsuranceInsurance Marketplace
In a direct writing or direct response system, insurance is sold:
Health InsuranceManaged Care
A defining feature of an HMO is the requirement that members select a:
General InsuranceUnderwriting & Policy Issuance
A 'binding receipt' provides:
General InsuranceUnderwriting & Policy Issuance
Which of the following is NOT a primary factor in underwriting a life insurance policy?
NY Insurance Law & EthicsPolicy Replacement & Disclosure
Under New York Regulation 60, when a replacement transaction occurs, the existing insurer must be notified within how many days?
Health InsuranceDisability Insurance
How are premiums for an individual disability income policy treated for tax purposes?
General InsuranceBasic Principles
Which of the following best describes the principle of indemnification?
Health InsuranceACA / PPACA
Which of the following events would qualify an individual for a Special Enrollment Period (SEP) under the ACA?
Health InsuranceACA / PPACA
Under the ACA, 'minimum essential coverage' (MEC) includes all of the following EXCEPT:
Health InsuranceTypes of Policies
A 'creditable coverage' letter is important because it:
Health InsuranceDisability Insurance
Short-Term Disability (STD) insurance typically provides benefits for a period of:
NY Insurance Law & EthicsNew York Insurance Code & Unfair Practices
New York Regulation 187 requires agents to act in which capacity when recommending life insurance and annuities?
Health InsuranceHSAs HRAs and FSAs
Which of the following is considered a qualified medical expense for HSA withdrawals?
NY Insurance Law & EthicsNY Guaranty Fund & Consumer Protection
New York requires health insurers to cover which of the following as a mandated benefit?
Health InsuranceACA / PPACA
Cost-sharing reductions (CSRs) under the ACA are available to individuals who enroll in which metal tier plan through the marketplace?
Health InsuranceManaged Care
Which type of managed care plan allows members to see any provider within the network without a referral and reimburses providers on a discounted fee-for-service basis?
General InsuranceBasic Principles
In insurance, the proximate cause of a loss refers to:
Health InsuranceACA / PPACA
A Silver plan on the health insurance exchange has an actuarial value of approximately what percentage, meaning the plan pays that share of average covered medical costs?
Health InsuranceGroup Plans
An employer has 25 employees and offers a group health plan. An employee quits their job. What are their continuation rights?
NY Insurance Law & EthicsPolicy Replacement & Disclosure
New York's 'Outline of Coverage' requirement for health insurance policies ensures that:
Health InsuranceTypes of Policies
Which type of policy pays a fixed, per-day benefit for each day the insured is hospitalized, regardless of the actual costs?
Health InsuranceDisability Insurance