Free North Carolina 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 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.
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 225 Questions
1/25
0%
General InsuranceUnderwriting & Policy Issuance
A mortality table is used by insurers to:
Health InsuranceGroup Plans
A Multiple Employer Welfare Arrangement (MEWA) is similar to a MET but can also be:
Health InsuranceTypes of Policies
What does it mean for a dental plan to cover services on a 'usual, customary, and reasonable' (UCR) basis?
Health InsuranceTypes of Policies
A health plan that only covers services from providers within its network (except in an emergency) is a(n):
General InsuranceUnderwriting & Policy Issuance
The three primary components used to calculate a life insurance premium are:
General InsuranceContracts & Terminology
Which part of an insurance policy personalizes the contract with information such as the insured's name, address, and premium?
Health InsuranceHSAs HRAs and FSAs
An Archer Medical Savings Account (MSA) was designed primarily for:
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?
NC Insurance Law & EthicsLicensing & Conduct
An insurance agent in North Carolina who uses a DBA (doing business as) name must:
NC Insurance Law & EthicsSenior & Specialty Protections
In North Carolina, which of the following statements about long-term care insurance policies is correct?
NC Insurance Law & EthicsSenior & Specialty Protections
In North Carolina, what specific protections exist for seniors purchasing annuity products?
Health InsuranceGroup Plans
In a group plan, experience rating is based on:
Health InsuranceTypes of Policies
The ACA requires most health plans to cover a set of 'Essential Health Benefits' (EHBs). Which of the following is NOT typically considered an EHB?
Health InsuranceMedicare & Medicaid
In North Carolina, what protections exist for Medigap policyholders who want to switch plans?
Health InsuranceHSAs HRAs and FSAs
Which of the following is considered a qualified medical expense for HSA withdrawals?
Health InsuranceMedicare & Medicaid
What does it mean if a person is 'dual eligible'?
NC Insurance Law & EthicsSenior & Specialty Protections
A North Carolina insurance agent who targets seniors with high-pressure sales tactics to purchase unsuitable products is engaging in:
General InsuranceBasic Principles
A moral hazard is characterized by:
Health InsuranceLong-Term Care Insurance
To sell LTC insurance in North Carolina, a producer must complete specific training requirements. How many hours of initial LTC training are required?
Health InsuranceGroup Plans
What is the North Carolina state continuation coverage law?
Health InsuranceTypes of Policies
An insured has a medical bill of $5,000. Their PPO plan has a $500 deductible and 90/10 coinsurance for in-network care. How much will the insured pay?
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
The North Carolina Life and Health Insurance Guaranty Association protects policyholders when:
General InsuranceBasic Principles
A condition that increases the chance of a loss is called a:
Health InsuranceLong-Term Care Insurance
What is the role of an agent in the event of an unintentional LTC policy lapse due to cognitive impairment?
Health InsuranceDisability Insurance