Free North Dakota 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 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 225 Questions
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General InsuranceInsurance Marketplace
The term 'surplus lines' insurance refers to coverage:
General InsuranceInsurance Marketplace
Which of the following best describes the role of a Managing General Agent (MGA)?
General InsuranceInsurance Marketplace
An independent insurance agent represents:
General InsuranceTypes of Insurers
Which type of insurance organization is characterized by members mutually insuring each other and being managed by an Attorney-in-Fact?
Health InsuranceDisability Income
Which of the following is typically used to express the maximum benefit period for a disability income policy?
Health InsuranceLong-term Care
Long-term care insurance benefit triggers typically include:
Health InsuranceLong-term Care
The elimination period in a long-term care insurance policy is:
Health InsuranceLong-term Care
Which of the following settings is typically covered by long-term care insurance?
Health InsuranceLong-term Care
A long-term care insurance policy that guarantees premiums will never increase is called:
Health InsuranceMedicare & Medicaid
Medicare Part A covers:
Health InsuranceMedicare & Medicaid
Medicare Part B covers:
Health InsuranceMedicare & Medicaid
Medicare Part C (Medicare Advantage) differs from Original Medicare because:
Health InsuranceMedicare & Medicaid
Medicare Supplement (Medigap) insurance is designed to:
Health InsuranceACA
ACA-compliant health plans must cover the following preventive services at no cost-sharing:
Health InsuranceManaged Care
A Point-of-Service (POS) plan combines features of:
Health InsuranceManaged Care
An Exclusive Provider Organization (EPO) is characterized by:
Health InsuranceManaged Care
Utilization review in managed care is the process of:
Health InsuranceHealth Insurance Basics
A health insurance policy that the insurer can cancel at any time for any reason is classified as:
Health InsuranceHealth Insurance Basics
Which type of health insurance plan renews automatically but allows the insurer to increase premiums for an entire class?
Health InsuranceHealth Insurance Basics
Health insurance policies that cover losses resulting from both accident AND sickness are called:
North Dakota Insurance Law & EthicsProducer Licensing
What is the maximum duration for which a temporary insurance producer license may be issued in North Dakota?
North Dakota Insurance Law & EthicsProducer Licensing
Is a temporary insurance producer in North Dakota permitted to solicit and sell new insurance business?
North Dakota Insurance Law & EthicsProducer Licensing
Under N.D.C.C. § 26.1-26-20, what is required for an out-of-state producer to receive a non-resident insurance producer license in North Dakota?
North Dakota Insurance Law & EthicsProducer Licensing
If a licensed non-resident producer moves to North Dakota and establishes legal residence, within how many days must they apply for a resident license?
North Dakota Insurance Law & EthicsProducer Licensing