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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Health InsuranceGroup Plans
When an employee's group health coverage is terminated, they have the right to convert their policy. Which of the following is true about the converted policy?
Health InsuranceMedicare & Medicaid
What is a 'Special Needs Plan' (SNP)?
OR Insurance Law & EthicsPolicy Replacement & Disclosure
Under Oregon law, which of the following must be disclosed to an applicant during a life insurance transaction?
General InsuranceContracts & Terminology
A false statement of a material fact on an application is known as:
Health InsuranceMedicare & Medicaid
If a person has group health coverage through their employer after age 65, when should they enroll in Medicare Part B?
OR Insurance Law & EthicsLicensing & Conduct
An insurance agent in Oregon who uses a DBA (doing business as) name must:
General InsuranceInsurance Marketplace
What distinguishes a mutual insurance company from a stock insurance company?
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?
Health InsuranceGroup Plans
A Section 125 (Cafeteria) plan allows employees to:
General InsuranceUnderwriting & Policy Issuance
The three primary components used to calculate a life insurance premium are:
Health InsuranceDisability Insurance
A disability that is presumed to be total and permanent, such as the loss of sight in both eyes or the loss of two limbs, is called a:
Health InsuranceACA / PPACA
Which ACA provision requires health plans to cover certain preventive services without any cost-sharing to the insured?
Health InsuranceTypes of Policies
In Oregon, a health plan's network is considered 'adequate' if it meets certain criteria for:
Health InsuranceACA / PPACA
Under the ACA's employer shared responsibility provision (employer mandate) which employers are subject to the requirement?
Health InsuranceDisability Insurance
The provision that addresses a disability that reappears after the insured has returned to work is the:
OR Insurance Law & EthicsOR Guaranty Act & Consumer Protection
The Oregon Life and Health Insurance Guaranty Association covers all of the following EXCEPT:
Health InsuranceMedicare & Medicaid
Under Medicare Part A, after the initial deductible is paid, the beneficiary pays $0 coinsurance for days 1-60 of a hospital stay. For days 61-90, the beneficiary must pay:
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
When a group health plan is terminated, the insurer must provide:
Health InsuranceHSAs HRAs and FSAs
Under a Flexible Spending Account (FSA), what happens to unused funds at the end of the plan year if the employer does not offer a carryover or grace period?
Health InsuranceGroup Plans
In a group health insurance plan, the contract is between the:
Health InsuranceDisability Insurance
A Social Security Rider (or Social Insurance Supplement) on a private disability policy will:
General InsuranceInsurance Marketplace
Which type of insurer is organized to provide insurance benefits to members of a specific religious or social organization?
OR Insurance Law & EthicsPolicy Replacement & Disclosure
When replacing an existing life insurance policy in Oregon, the agent must provide the policyholder with:
Health InsuranceTypes of Policies