Free North Dakota 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 Dakota 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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General InsuranceInsurance Marketplace
A mutual insurance company is owned by:
General InsuranceInsurance Marketplace
Reinsurance is a transaction between:
General InsuranceInsurance Marketplace
A fraternal benefit society differs from a stock or mutual insurer because it:
General InsuranceInsurance Marketplace
A captive insurance company is one that is:
Health InsuranceHealth Insurance Basics
What is the primary purpose of health insurance?
Health InsuranceHealth Insurance Basics
A 'deductible' in a health insurance policy is:
Health InsuranceHealth Insurance Basics
Coinsurance in health insurance means:
Health InsuranceHealth Insurance Basics
The 'out-of-pocket maximum' in a health insurance plan means:
Health InsuranceHealth Insurance Basics
A copayment in a health insurance plan is:
Health InsuranceHealth Insurance Basics
A noncancellable health insurance policy guarantees that:
Health InsuranceHealth Insurance Basics
Health insurance policies that include a 'preexisting condition' exclusion may deny benefits for:
Health InsuranceIndividual Health
ACA marketplace 'metal tiers' (Bronze, Silver, Gold, Platinum) reflect:
Health InsuranceIndividual Health
Premium tax credits under the ACA are available to individuals and families with household incomes:
Health InsuranceIndividual Health
A 'special enrollment period' (SEP) under the ACA is triggered by qualifying life events such as:
Health InsuranceGroup Health
In group health insurance, the employer's role is generally to:
Health InsuranceGroup Health
COBRA continuation coverage allows qualified beneficiaries to continue group health insurance for:
Health InsuranceGroup Health
Coordination of Benefits (COB) in group health insurance prevents:
Health InsuranceDisability Income
Disability income insurance is designed to:
Health InsuranceDisability Income
The 'own occupation' definition of total disability is MORE favorable to the insured than the 'any occupation' definition because:
Health InsuranceDisability Income
Social insurance offset riders in disability income policies:
North Dakota Insurance Law & EthicsProducer Licensing
When must an applicant for a resident North Dakota insurance license complete fingerprinting for a criminal background check?
North Dakota Insurance Law & EthicsProducer Licensing
What is the fee for the criminal history background check processing conducted through the North Dakota Bureau of Criminal Investigation (BCI)?
North Dakota Insurance Law & EthicsProducer Licensing
How are Life and Health lines of authority structured for licensing examinations in North Dakota?
North Dakota Insurance Law & EthicsProducer Licensing
What examination fee is charged by PSI for each North Dakota insurance producer exam attempt?
North Dakota Insurance Law & EthicsProducer Licensing