Free North Carolina 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 North Carolina 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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NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
Under North Carolina law, an agent who knowingly makes a false statement on an insurance application may be charged with:
Health InsuranceLong-Term Care Insurance
What is the primary benefit of purchasing a North Carolina Partnership for Long-Term Care policy?
Health InsuranceLong-Term Care Insurance
Which of the following government programs is the largest single payer for long-term care services in the U.S.?
Health InsuranceTypes of Policies
Preventive care services, such as mammograms and colonoscopies, are covered under most ACA-compliant plans at:
Health InsuranceDisability Insurance
A disability policy with a 'return of premium' rider provides that:
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
The maximum health insurance benefit coverage provided by the NCLHIGA per individual is:
Health InsuranceMedicare & Medicaid
How is Medicare Part A primarily funded?
General InsuranceBasic Principles
A moral hazard is characterized by:
Health InsuranceTypes of Policies
What is a 'grandfathered' health plan under the ACA?
Health InsuranceLong-Term Care Insurance
Under NAIC model regulations adopted by North Carolina, an insurer cannot refuse to cover or limit benefits for an LTC applicant based solely on:
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?
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
The annual Open Enrollment Period for individual health coverage through the federal marketplace (healthcare.gov) typically begins on:
NC Insurance Law & EthicsSenior & Specialty Protections
Which of the following is TRUE regarding Medicare Supplement insurance sold in North Carolina?
Health InsuranceMedicare & Medicaid
An 'assignment' in the context of Medicare means:
General InsuranceContracts & Terminology
An insurance policy is considered a unilateral contract because:
Health InsuranceDisability Insurance
In an employer-paid (noncontributory) group disability plan, how are the benefits received by an employee treated for tax purposes?
NC Insurance Law & EthicsLicensing & Conduct
A North Carolina insurance agent who changes their business or home address must notify the NCDOI within how many days?
General InsuranceBasic Principles
The tendency for higher-risk individuals to seek out or continue insurance coverage more than lower-risk individuals is known as:
Health InsuranceHSAs HRAs and FSAs
An employer offers a Flexible Spending Account with a carryover provision. What is the maximum amount of unused funds an employee may carry over into the next plan year?
Health InsuranceLong-Term Care Insurance
An LTC policy that is 'tax-qualified' means it meets certain federal standards set by:
Health InsuranceLong-Term Care Insurance
What is 'home health care' coverage in an LTC policy?
General InsuranceBasic Principles
An agent's authority that is written into their agency contract is known as:
General InsuranceBasic Principles
Which of the following represents a pure risk?
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices