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.
Study Hub & Practice Test Navigation
Practice Tests
Life & Annuities:
Study Materials
General Navigation
Interactive Practice Area
Select answers below to receive immediate score feedback.
Test 325 Questions
1/25
0%
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 InsuranceMedicare & Medicaid
Medicare does NOT cover which of the following?
Health InsuranceTypes of Policies
Under the ACA, how long can a young adult remain on their parent's health insurance plan?
NY Insurance Law & EthicsLicensing & Conduct
A New York insurance agent receives a premium payment from a client. Under New York law, the agent must remit the premium to the insurer within how many days?
General InsuranceUnderwriting & Policy Issuance
When an applicant pays the first premium at the time of application, the agent typically gives them a:
Health InsuranceGroup Plans
Under federal COBRA, how long can a spouse and dependent children continue coverage if the covered employee dies or gets divorced?
Health InsuranceHSAs HRAs and FSAs
Under a Flexible Spending Account (FSA), what happens to unused funds at the end of the plan year if the employer does not offer a carryover or grace period?
Health InsuranceTypes of Policies
The mandatory 'Legal Actions' provision states that the insured cannot bring a lawsuit against the insurer:
NY Insurance Law & EthicsLicensing & Conduct
What must a New York insurance agent do before recommending a replacement of an existing life insurance policy?
NY Insurance Law & EthicsLicensing & Conduct
In New York, what type of license is required to sell variable life insurance and variable annuities?
Health InsuranceDisability Insurance
Which rider allows for future increases in the disability benefit amount without evidence of insurability?
NY Insurance Law & EthicsNew York Insurance Code & Unfair Practices
Under New York's Regulation 187 best interest standard, which factor must an agent consider when recommending an annuity?
General InsuranceUnderwriting & Policy Issuance
The process of classifying risks into appropriate categories to determine premium rates is called:
Health InsuranceTypes of Policies
An insured has a health plan with a $2,000 deductible and 80/20 coinsurance. If the insured has a covered medical bill of $12,000, how much will the INSURER pay?
NY Insurance Law & EthicsSenior & Specialty Protections
What is the 'New York Life Settlement Act'?
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
The mandatory 'Notice of Claim' provision requires an insured to provide written notice to the insurer within how many days after a covered loss begins?
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 InsuranceACA / PPACA
Which ACA provision requires health plans to cover certain preventive services without any cost-sharing to the insured?
General InsuranceContracts & Terminology
An insurance policy is an aleatory contract, which means:
Health InsuranceHSAs HRAs and FSAs
Which of the following would disqualify an individual from contributing to a Health Savings Account (HSA)?
Health InsuranceDisability Insurance
What is the waiting period for Social Security disability benefits?
Health InsuranceGroup Plans
Under federal COBRA, what is the maximum period an employee can continue coverage after termination of employment?
General InsuranceContracts & Terminology
A void contract is one that:
General InsuranceUnderwriting & Policy Issuance