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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General InsuranceContracts & Terminology
The 'entire contract' provision in an insurance policy states that:
Health InsuranceHSAs HRAs and FSAs
If an HSA account holder under the age of 65 withdraws funds for a non-qualified, non-medical expense, what is the tax consequence?
Health InsuranceMedicare & Medicaid
Original Medicare (Parts A and B) does NOT have a yearly limit on:
Health InsuranceTypes of Policies
The mandatory 'Time of Payment of Claims' provision requires the insurer to pay claims:
General InsuranceContracts & Terminology
If an applicant makes a material misrepresentation on an application, the insurer may:
Health InsuranceTypes of Policies
A basic medical expense policy typically provides coverage for:
Health InsuranceDisability Insurance
A disability policy that covers accidents but not sickness is known as:
Health InsuranceDisability Insurance
A Social Security Rider (or Social Insurance Supplement) on a private disability policy will:
General InsuranceContracts & Terminology
A contract requires that both parties bring something of value to the exchange. This is known as:
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceTypes of Policies
Which entity primarily regulates HMOs in Oregon?
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
In Oregon, 'twisting' refers to:
Health InsuranceDisability Insurance
To qualify for Social Security disability benefits, an individual's disability must be expected to last at least:
Health InsuranceLong-Term Care Insurance
An LTC policy that is 'tax-qualified' means it meets certain federal standards set by:
Health InsuranceDisability Insurance
What is the waiting period for Social Security disability benefits?
Health InsuranceTypes of Policies
The optional 'Change of Occupation' provision allows the insurer to adjust benefits or premiums if the insured changes to a:
OR Insurance Law & EthicsPolicy Replacement & Disclosure
In Oregon, what happens to the contestability period when a life insurance policy is replaced?
OR Insurance Law & EthicsLicensing & Conduct
An insurance agent in Oregon who wishes to represent multiple insurance companies must:
General InsuranceContracts & Terminology
A statement made by an applicant that is guaranteed to be true is a(n):
General InsuranceContracts & Terminology
What is a 'binder' in insurance?
Health InsuranceACA / PPACA
Which of the following events would qualify an individual for a Special Enrollment Period (SEP) under the ACA?
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
Under Oregon law, 'churning' in the insurance industry means:
OR Insurance Law & EthicsOregon Insurance Code & Unfair Practices
Which entity in Oregon investigates allegations of insurance fraud?
Health InsuranceTypes of Policies
Which ACA metal level plan is the only one eligible for cost-sharing reductions (CSRs)?
Health InsuranceACA / PPACA