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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Health InsuranceACA
Under the ACA employer mandate for ALEs with 100+ employees in 2015 and 50+ in 2016 and beyond:
Health InsuranceACA / PPACA
Under the ACA's employer shared responsibility provision (employer mandate) which employers are subject to the requirement?
New York Insurance Law & EthicsClaims handling
An insurer, Star Mutual, fails to pay a claim within 15 working days after receiving complete proof of loss. What must the insurer do if they need more time?
Health InsuranceMedicare & Medicaid
An insurer is marketing a new Medicare Advantage plan. The marketing materials must be approved by whom before they can be used?
Health InsuranceGroup Plans
What is the 'probationary period' in a group health plan?
Health InsuranceHealth Insurance Basics
What is the primary purpose of health insurance?
Health InsuranceMedicare & Medicaid
How is Medicare Part B primarily funded?
Health InsuranceTypes of Policies
What is a Flexible Spending Account (FSA)?
General InsuranceUnderwriting & Policy Issuance
What is the purpose of the Medical Information Bureau (MIB)?
Health InsuranceTypes of Policies
What is the payment model where an HMO pays a physician a set amount per member per month, regardless of the services provided?
Health InsuranceMedicare & Medicaid
When can a person change their Medicare Advantage or Part D plan?
Health InsuranceDisability Insurance
The period of time an insured must be disabled before disability income benefits begin to be paid is the:
Health InsuranceGroup Plans
Self-funded health plans are regulated by:
New York Insurance Law & EthicsProducer licensing
A prospective producer, Emily, wants to begin selling insurance. Which of the following is true regarding New York's pre-licensing education requirements?
Health InsuranceGroup Plans
A husband and wife are both covered by their respective employers' group health plans. The husband files a medical claim for himself. Under the Coordination of Benefits (COB) guidelines, which plan is primary?
New York Insurance Law & EthicsGuaranty Association
An insurance company, Empire Life, is declared insolvent by a New York court. Which entity is responsible for protecting policyholders and paying covered claims?
General InsuranceContracts Terminology
The 'consideration' provided by the insured in a life insurance contract consists of:
General InsuranceContracts & Terminology
Life insurance is considered a personal contract, which means:
General InsuranceContracts & Terminology
If an applicant makes a material misrepresentation on an application, the insurer may:
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:
New York Insurance Law & EthicsClaims handling
An insurer denies a medical claim submitted by a policyholder. What is the insurer's primary obligation regarding the denial?
Health InsuranceTypes of Policies
The mandatory 'Time Limit on Certain Defenses' provision (similar to the incontestability clause in life insurance) states that after a policy has been in force for how many years the insurer cannot void it for misstatements in the application?
New York Insurance Law & EthicsProducer licensing
Under New York law, how long must an insurance producer retain records of all transactions?
Health InsuranceGroup Plans
Under HIPAA, 'portability' means that a person with prior creditable coverage:
General InsuranceBasic Principles