Free New York 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 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 325 Questions
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Health InsuranceHSAs HRAs and FSAs
If an HSA account holder under the age of 65 withdraws funds for a non-qualified, non-medical expense, what is the tax consequence?
Health InsuranceTypes of Policies
An Accidental Death and Dismemberment (AD&D) policy pays benefits according to a schedule. A 'capital' loss (such as loss of life or loss of both hands) typically pays what percentage of the principal sum?
General InsuranceTypes of Insurers
Lloyd's of London is best described as:
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceManaged Care
Utilization review in managed care is the process of:
Health InsuranceACA / PPACA
What is the Medical Loss Ratio (MLR) requirement for large group health insurance plans under the ACA?
New York Insurance Law & EthicsProducer licensing
A licensed producer, Jennifer, moves her residence from Albany to Manhattan. Under New York regulations, within how many days must Jennifer notify DFS of her change of address?
Health InsuranceLong-term Care
The activities of daily living (ADLs) used as benefit triggers in long-term care policies include all of the following EXCEPT:
New York Insurance Law & EthicsReplacement regulations & Regulation 187
An agent sells a new life policy. The client states on the application that no replacement is involved, but the agent knows the client intends to drop their existing policy next month. What is the agent's duty?
General InsuranceUnderwriting & Policy Issuance
When an applicant pays the first premium at the time of application, the agent typically gives them a:
Health InsuranceMedicare & Medicaid
The Medicare 'donut hole' (coverage gap) in Part D applies to:
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 InsuranceACA / PPACA
An Applicable Large Employer fails to offer affordable, minimum value coverage to its full-time employees. Under the ACA employer mandate, what is the potential consequence?
General InsuranceBasic Principles
In insurance, the proximate cause of a loss refers to:
General InsuranceContracts Terminology
A 'unilateral' contract in insurance means:
Health InsuranceACA / PPACA
An individual with a history of diabetes applies for health insurance during Open Enrollment. Under the ACA the insurer:
General InsuranceBasic Principles
Purchasing insurance is an example of which risk management technique?
Health InsuranceManaged Care
What distinguishes a closed panel provider network from an open panel provider network?
New York Insurance Law & EthicsProducer licensing
A licensed producer, Nancy, uses an assumed name (doing business as 'Nancy's Trustworthy Insurance') to sell policies in Manhattan. What must Nancy do before using this assumed name?
Health InsuranceGroup Plans
A group health plan where the employer pays the entire premium is called a(n):
New York Insurance Law & EthicsFree-Look & Grace Periods
A policyowner, David, has an individual life insurance policy in New York. His premium was due on May 1, but he forgot to pay. If David dies on May 20, how will the insurer handle the claim?
Health InsuranceMedicare & Medicaid
A Medicare SELECT plan is a type of:
Health InsuranceDisability Insurance
Mary has an individual disability income policy with a 30-day elimination period and a $2,000 monthly benefit. She is totally disabled and unable to work for 45 days. How much benefit will she receive?
Health InsuranceMedicare & Medicaid
Medicare Part B has a monthly premium that:
New York Insurance Law & EthicsUnfair trade practices