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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Health InsuranceGroup Plans
What happens to COBRA eligibility if a former employee becomes eligible for Medicare?
General InsuranceContracts & Terminology
An ambiguous term in an insurance contract will be interpreted in favor of the insured. This is because an insurance policy is a:
Health InsuranceTypes of Policies
Which ACA metal level plan is the only one eligible for cost-sharing reductions (CSRs)?
NC Insurance Law & EthicsLicensing & Conduct
In North Carolina, a temporary insurance license may be issued for a period not to exceed:
General InsuranceContracts & Terminology
The section of an insurance policy that identifies the specific risks being covered is the:
Health InsuranceDisability Insurance
A Social Security Rider (or Social Insurance Supplement) on a private disability policy will:
Health InsuranceTypes of Policies
The optional 'Overinsurance' provision protects against:
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceDisability Insurance
If an individual pays the premiums for their own disability income policy, how are the benefits received treated for tax purposes?
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
In North Carolina, coercion in insurance transactions occurs when:
General InsuranceInsurance Marketplace
An insurance agent primarily represents:
Health InsuranceDisability Insurance
Short-Term Disability (STD) insurance typically provides benefits for a period of:
Health InsuranceManaged Care
In a staff model HMO, physicians are:
Health InsuranceMedicare & Medicaid
A Medicare SELECT plan is a type of:
Health InsuranceManaged Care
Retrospective review in utilization management refers to:
NC Insurance Law & EthicsLicensing & Conduct
How many hours of pre-licensing education are required for a General Lines Life, Accident, and Health license in North Carolina?
NC Insurance Law & EthicsLicensing & Conduct
An insurance agent in North Carolina who wishes to represent multiple insurance companies must:
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
The maximum health insurance benefit coverage provided by the TLHIGA per individual is:
Health InsuranceGroup Plans
Under federal COBRA, what is the maximum period an employee can continue coverage after termination of employment?
General InsuranceBasic Principles
Which of the following is NOT a risk classification used by underwriters?
Health InsuranceDisability Insurance
In an employer-paid (noncontributory) group disability plan, how are the benefits received by an employee treated for tax purposes?
Health InsuranceTypes of Policies
Which entity primarily regulates HMOs in North Carolina?
General InsuranceBasic Principles
The risk of loss due to a lawsuit is an example of what type of hazard?
Health InsuranceTypes of Policies
What is the federal Health Insurance Marketplace used by North Carolina residents?
Health InsuranceMedicare & Medicaid