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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Health InsuranceDisability Insurance
Which rider allows for future increases in the disability benefit amount without evidence of insurability?
Health InsuranceGroup Plans
When an employee continues their health coverage under North Carolina state continuation coverage, the maximum they can be charged is:
NC Insurance Law & EthicsNC Guaranty Act & Consumer Protection
The North Carolina Life and Health Insurance Guaranty Association covers all of the following EXCEPT:
General InsuranceUnderwriting & Policy Issuance
A mortality table is used by insurers to:
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
Under North Carolina law, an insurer that fails to promptly investigate a claim may be found to have committed:
General InsuranceContracts & Terminology
The term 'fiduciary' refers to:
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?
General InsuranceInsurance Marketplace
An independent insurance agent differs from a captive agent in that the independent agent:
Health InsuranceACA / PPACA
Cost-sharing reductions (CSRs) under the ACA are available to individuals who enroll in which metal tier plan through the marketplace?
Health InsuranceDisability Insurance
What is a Business Overhead Expense (BOE) disability policy designed to cover?
Health InsuranceGroup Plans
In a contributory group health plan, what is the typical minimum participation requirement?
Health InsuranceGroup Plans
Self-funded health plans are regulated by:
Health InsuranceMedicare & Medicaid
Original Medicare (Parts A and B) does NOT have a yearly limit on:
Health InsuranceTypes of Policies
What is a 'pre-existing condition' exclusion?
General InsuranceContracts & Terminology
What does a 'guaranteed renewable' provision ensure?
Health InsuranceManaged Care
In a Point of Service (POS) plan, what happens when a member chooses to receive care from an out-of-network provider without a referral?
Health InsuranceGroup Plans
In group insurance, who is responsible for paying the policy premiums to the insurer?
Health InsuranceMedicare & Medicaid
The primary purpose of the Medicare Access and CHIP Reauthorization Act (MACRA) was to:
General InsuranceContracts & Terminology
What is a 'binder' in insurance?
NC Insurance Law & EthicsNorth Carolina Insurance Code & Unfair Practices
The North Carolina Insurance Code prohibits boycott, coercion, and intimidation. Which of the following is an example of boycott?
NC Insurance Law & EthicsPolicy Replacement & Disclosure
North Carolina requires that a variable life insurance policy be delivered with:
NC Insurance Law & EthicsLicensing & Conduct
In North Carolina, which line of authority allows an agent to sell life insurance and annuities?
Health InsuranceTypes of Policies
A short-term medical insurance plan in North Carolina is designed to:
Health InsuranceMedicare & Medicaid
What is a Medicare Supplement (Medigap) policy designed to do?
Health InsuranceMedicare & Medicaid