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.
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Test 225 Questions
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Health InsuranceACA / PPACA
Under the Medical Loss Ratio (MLR) requirement, what percentage of premium revenue must individual and small group health insurers spend on medical claims and quality improvement?
Health InsuranceLong-Term Care Insurance
A shared care rider on an LTC policy for a couple allows:
NC Insurance Law & EthicsPolicy Replacement & Disclosure
Under North Carolina law, which of the following must be disclosed to an applicant during a life insurance transaction?
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?
Health InsuranceManaged Care
In a staff model HMO, physicians are:
General InsuranceUnderwriting & Policy Issuance
What is the main source of information used by an underwriter to evaluate a risk?
Health InsuranceGroup Plans
What is a self-funded or self-insured health plan?
General InsuranceUnderwriting & Policy Issuance
If a life insurance application is approved and a policy is issued, but the applicant's health has deteriorated since the application date and no premium was paid, what is the insurer's obligation?
Health InsuranceManaged Care
Retrospective review in utilization management refers to:
Health InsuranceLong-Term Care Insurance
What is the free look period for a Long-Term Care policy sold in North Carolina?
Health InsuranceHSAs HRAs and FSAs
Which of the following is a PRIMARY eligibility requirement for opening a Health Savings Account (HSA)?
Health InsuranceManaged Care
Which type of utilization review occurs before a medical service is provided, requiring approval from the managed care plan?
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
In North Carolina, the penalty for an agent engaging in fraudulent insurance acts may include:
Health InsuranceHSAs HRAs and FSAs
Which of the following accounts is portable and stays with the employee when they change employers?
General InsuranceUnderwriting & Policy Issuance
When an applicant pays the first premium at the time of application, the agent typically gives them a:
Health InsuranceLong-Term Care Insurance
Adult day care is a covered benefit under most LTC policies. It provides:
General InsuranceBasic Principles
An insurer incorporated in Canada and conducting business in North Carolina is a(n):
Health InsuranceACA / PPACA
Under the ACA, 'minimum essential coverage' (MEC) includes all of the following EXCEPT:
Health InsuranceGroup Plans
A Section 125 (Cafeteria) plan allows employees to:
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
A North Carolina consumer who has a complaint against an insurance company or agent should first contact:
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
Which of the following is a primary function of the North Carolina Department of Insurance?
Health InsuranceACA / PPACA
Under the ACA's employer shared responsibility provision (employer mandate) which employers are subject to the requirement?
General InsuranceContracts & Terminology
A policy that is 'non-cancellable' means the insurer cannot:
NC Insurance Law & EthicsSenior & Specialty Protections
In North Carolina, what specific protections exist for seniors purchasing annuity products?
Health InsuranceMedicare & Medicaid