Free Oregon 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 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 325 Questions
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OR Insurance Law & EthicsSenior & Specialty Protections
In Oregon, an annuity sold to a person age 65 or older must include:
Health InsuranceMedicare & Medicaid
All Medigap policies are:
General InsuranceBasic Principles
A stock insurance company is owned by its:
Health InsuranceTypes of Policies
Which of the following is typically considered a 'major' service under a dental plan?
Health InsuranceManaged Care
What distinguishes a closed panel provider network from an open panel provider network?
General InsuranceBasic Principles
An insurance company organized in Oregon and doing business in Oregon is known as a(n):
Health InsuranceMedicare & Medicaid
Who is eligible for Oregon Medicaid?
Health InsuranceMedicare & Medicaid
The Medigap 'free look' period in Oregon is:
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
Under Oregon law, defamation in the insurance context refers to:
Health InsuranceTypes of Policies
Preventive care services, such as mammograms and colonoscopies, are covered under most ACA-compliant plans at:
General InsuranceContracts & Terminology
The intentional failure to disclose a known, material fact on an insurance application is known as:
Health InsuranceTypes of Policies
Under the mandatory 'Proof of Loss' provision, the insured must submit written proof of loss to the insurer within how many days after the loss?
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
What is 'rebating' in the context of Oregon insurance law?
Health InsuranceTypes of Policies
A High Deductible Health Plan (HDHP) is often paired with a:
General InsuranceInsurance Marketplace
The McCarran-Ferguson Act (1945) established that:
Health InsuranceACA / PPACA
Under the Medical Loss Ratio (MLR) requirement, what percentage of premium revenue must individual and small group health insurers spend on medical claims and quality improvement?
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
In Oregon, 'twisting' refers to:
Health InsuranceDisability Insurance
A disability policy with a 'return of premium' rider provides that:
Health InsuranceManaged Care
In an Independent Practice Association (IPA) model HMO, physicians:
Health InsuranceDisability Insurance
Long-Term Disability (LTD) insurance typically has a benefit period of:
Health InsuranceTypes of Policies
The mandatory 'Time of Payment of Claims' provision requires the insurer to pay claims:
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
Under Oregon law, 'churning' in the insurance industry means:
Health InsuranceMedicare & Medicaid
The 'Welcome to Medicare' preventive visit is a one-time benefit available:
Health InsuranceACA / PPACA
Under the ACA's modified community rating rules, the maximum age rating ratio that insurers may apply between the oldest and youngest adult policyholders is:
General InsuranceBasic Principles