Free Oregon 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 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 225 Questions
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OR Insurance Law & EthicsSenior & Specialty Protections
The Oregon suitability requirement for annuity sales requires the agent to consider all of the following EXCEPT:
Health InsuranceDisability Insurance
Which rider allows for future increases in the disability benefit amount without evidence of insurability?
Health InsuranceLong-Term Care Insurance
A shared care rider on an LTC policy for a couple allows:
Health InsuranceLong-Term Care Insurance
Adult day care is a covered benefit under most LTC policies. It provides:
General InsuranceBasic Principles
In order to be insurable, a risk must NOT be:
Health InsuranceTypes of Policies
The mandatory 'Legal Actions' provision states that the insured cannot bring a lawsuit against the insurer:
OR Insurance Law & EthicsOR Guaranty Act & Consumer Protection
Which of the following is a primary function of the Oregon Division of Financial Regulation?
General InsuranceUnderwriting & Policy Issuance
The three primary components used to calculate a life insurance premium are:
General InsuranceUnderwriting & Policy Issuance
When does insurable interest need to exist for a life insurance policy in Oregon?
Health InsuranceLong-Term Care Insurance
Which of the following care settings is for individuals who need some assistance with daily living but do not require 24-hour nursing care?
OR Insurance Law & EthicsLicensing & Conduct
A Oregon insurance agent who changes their business or home address must notify the DFR within how many days?
Health InsuranceTypes of Policies
Under the Affordable Care Act (ACA), what is the purpose of the 'metal levels' (Bronze, Silver, Gold, Platinum)?
Health InsuranceMedicare & Medicaid
When is the initial enrollment period for Medicare?
Health InsuranceDisability Insurance
What is the waiver of premium provision in a disability policy?
OR Insurance Law & EthicsSenior & Specialty Protections
In Oregon, what specific protections exist for seniors purchasing annuity products?
Health InsuranceGroup Plans
When an employee continues their health coverage under Oregon state continuation coverage, the maximum they can be charged is:
General InsuranceContracts & Terminology
Which of the following is NOT a required element of a legal contract?
General InsuranceContracts & Terminology
The section of an insurance policy that identifies the specific risks being covered is the:
Health InsuranceACA / PPACA
Which of the following is TRUE about the health insurance marketplace used in Oregon?
Health InsuranceTypes of Policies
Vision insurance typically covers all of the following EXCEPT:
Health InsuranceTypes of Policies
Under the ACA, how long can a young adult remain on their parent's health insurance plan?
Health InsuranceTypes of Policies
A High Deductible Health Plan (HDHP) is often paired with a:
Health InsuranceTypes of Policies
What is the purpose of a Health Reimbursement Arrangement (HRA)?
OR Insurance Law & EthicsSenior & Specialty Protections
In Oregon, which of the following statements about long-term care insurance policies is correct?
Health InsuranceGroup Plans