Free North Dakota 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 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 325 Questions
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General InsuranceTypes of Insurers
Lloyd's of London is best described as:
General InsuranceTypes of Insurers
A Risk Retention Group (RRG) is:
General InsuranceBasic Principles
Which of the following is an example of risk avoidance?
General InsuranceBasic Principles
The 'large loss principle' suggests that insurance is most cost-effective when:
Health InsuranceGroup Health
A 'contributory' group health plan means:
Health InsuranceGroup Health
The 'birthday rule' is used to determine which parent's plan is primary for a dependent child when:
Health InsuranceDisability Income
Short-term disability (STD) insurance typically:
Health InsuranceDisability Income
A 'residual disability benefit' in a disability income policy:
Health InsuranceLong-term Care
The inflation protection benefit option in a long-term care policy:
Health InsuranceMedicare & Medicaid
Medicare Part D (prescription drug coverage):
Health InsuranceMedicare & Medicaid
The Medicare Part A hospital benefit period begins:
Health InsuranceACA
Under the ACA, health insurers are prohibited from doing all of the following EXCEPT:
Health InsuranceManaged Care
A 'capitation' payment arrangement in managed care means:
Health InsuranceDisability Income
'Own occupation' disability income policies are typically more expensive because:
Health InsuranceACA
The ACA's 'essential health benefits' (EHBs) include all of the following EXCEPT:
Health InsuranceManaged Care
Under a preferred provider organization (PPO), a member who uses an out-of-network provider:
Health InsuranceHealth Insurance Basics
Health insurance policies can be classified as either 'indemnity' plans or 'service plans.' The key difference is:
Health InsuranceIndividual Health
The 'pre-existing condition' definition has been most significantly changed by which legislation?
Health InsuranceGroup Health
HIPAA portability rules for group health plans require that:
Health InsuranceDisability Income
The 'recurrent disability' provision in a disability income policy:
North Dakota Insurance Law & EthicsProducer Licensing
What constitutes 'controlled business' under North Dakota insurance law?
North Dakota Insurance Law & EthicsProducer Licensing
In North Dakota, when is a license considered to be used principally for writing controlled business?
North Dakota Insurance Law & EthicsProducer Licensing
What is required before an insurance producer in North Dakota may act as an appointed agent of an insurer?
North Dakota Insurance Law & EthicsProducer Licensing
How long does an insurer have to notify the Commissioner after terminating a producer's appointment in North Dakota?
North Dakota Insurance Law & EthicsProducer Licensing