Free Oregon 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 Oregon 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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Health InsuranceDisability Insurance
What is the purpose of a Cost of Living Adjustment (COLA) rider on a disability policy?
General InsuranceBasic Principles
When an individual decides to self-insure by setting aside funds to cover potential losses, they are using which risk management technique?
Health InsuranceGroup Plans
For dependents, a qualifying event under COBRA can include all of the following EXCEPT:
OR Insurance Law & EthicsLicensing & Conduct
An insurance agent in Oregon who allows their license to lapse may reinstate it within what period without retaking the licensing exam?
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
An insurance agent who shares commissions with an unlicensed person in Oregon:
General InsuranceUnderwriting & Policy Issuance
When does legal delivery of an insurance policy occur?
General InsuranceInsurance Marketplace
The National Association of Insurance Commissioners (NAIC) is best described as:
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
Under Oregon law, an insurer that fails to promptly investigate a claim may be found to have committed:
Health InsuranceTypes of Policies
Which type of policy pays a fixed, per-day benefit for each day the insured is hospitalized, regardless of the actual costs?
Health InsuranceHSAs HRAs and FSAs
Which of the following accounts is portable and stays with the employee when they change employers?
Health InsuranceMedicare & Medicaid
An insurer is marketing a new Medicare Advantage plan. The marketing materials must be approved by whom before they can be used?
Health InsuranceLong-Term Care Insurance
What is the role of an agent in the event of an unintentional LTC policy lapse due to cognitive impairment?
Health InsuranceTypes of Policies
An individual health insurance policy that the insurer cannot cancel and cannot increase the premium on is classified as:
Health InsuranceHSAs HRAs and FSAs
An employer offers a Flexible Spending Account with a carryover provision. What is the maximum amount of unused funds an employee may carry over into the next plan year?
Health InsuranceGroup Plans
In a contributory group health plan, what is the typical minimum participation requirement?
Health InsuranceGroup Plans
Under COBRA, a qualified beneficiary who is disabled at the time of the qualifying event may extend their coverage from 18 months to:
Health InsuranceTypes of Policies
Preventive care services, such as mammograms and colonoscopies, are covered under most ACA-compliant plans at:
Health InsuranceMedicare & Medicaid
How is Medicare Part B primarily funded?
OR Insurance Law & EthicsLicensing & Conduct
A Oregon insurance agent's fiduciary duty includes all of the following EXCEPT:
General InsuranceContracts & Terminology
Which section of an insurance policy lists the perils, property, or persons not covered by the contract?
OR Insurance Law & EthicsPolicy Replacement & Disclosure
When delivering a life insurance policy in Oregon, the agent must provide the insured with:
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 residual disability?
Health InsuranceACA / PPACA
Under the ACA, a Bronze plan has an actuarial value of approximately 60%. This means that on average the enrollee is expected to pay what percentage of covered medical costs through cost-sharing?
Health InsuranceDisability Insurance