Free North Carolina 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 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 325 Questions
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NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
An insurance agent who shares commissions with an unlicensed person in North Carolina:
NC Insurance Law & EthicsSenior & Specialty Protections
In North Carolina, an annuity sold to a person age 65 or older must include:
General InsuranceUnderwriting & Policy Issuance
What is the significance of the policy's effective date?
Health InsuranceTypes of Policies
An Accidental Death and Dismemberment (AD&D) policy pays benefits according to a schedule. A 'capital' loss (such as loss of life or loss of both hands) typically pays what percentage of the principal sum?
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
In North Carolina, an insurer must acknowledge receipt of a claim within how many business days?
Health InsuranceManaged Care
An Exclusive Provider Organization (EPO) differs from a PPO primarily because an EPO:
General InsuranceContracts & Terminology
Statements made by an applicant on an insurance application that are believed to be true to the best of their knowledge are called:
Health InsuranceDisability Insurance
What is the waiting period for Social Security disability benefits?
Health InsuranceMedicare & Medicaid
In a Medicare Advantage PPO plan, a member can:
Health InsuranceTypes of Policies
Which of the following is typically considered a 'major' service under a dental plan?
Health InsuranceTypes of Policies
A short-term medical insurance plan in North Carolina is designed to:
General InsuranceInsurance Marketplace
Which type of insurer is organized to provide insurance benefits to members of a specific religious or social organization?
Health InsuranceLong-Term Care Insurance
What is the primary benefit of purchasing a North Carolina Partnership for Long-Term Care policy?
Health InsuranceManaged Care
A defining feature of an HMO is the requirement that members select a:
General InsuranceInsurance Marketplace
An insurance broker in North Carolina legally represents:
Health InsuranceMedicare & Medicaid
What is another name for Medicare Part C?
Health InsuranceACA / PPACA
Which of the following is TRUE regarding the individual health insurance mandate in North Carolina?
Health InsuranceACA / PPACA
Under the ACA's modified community rating rules, the maximum age rating ratio that insurers may apply between the oldest and youngest adult policyholders is:
NC Insurance Law & EthicsSenior & Specialty Protections
Under North Carolina law, an agent selling long-term care insurance must complete how many hours of initial training?
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
In North Carolina, the 'entire contract' provision in a life insurance policy means:
General InsuranceUnderwriting & Policy Issuance
The process where an insurer may check information from the Department of Motor Vehicles (DMV) for an applicant is part of:
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 InsuranceMedicare & Medicaid
An 'assignment' in the context of Medicare means:
Health InsuranceLong-Term Care Insurance
All LTC policies sold in North Carolina must be at least:
Health InsuranceDisability Insurance