Free Rhode Island 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 Rhode Island 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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Health InsuranceHealth Insurance Basics
Which type of health insurance plan renews automatically but allows the insurer to increase premiums for an entire class?
Health InsuranceHealth Insurance Basics
Health insurance policies that cover losses resulting from both accident AND sickness are called:
Health InsuranceGroup Health
A 'contributory' group health plan means:
Health InsuranceGroup Health
The 'birthday rule' is used to determine which parent's plan is primary for a dependent child when:
Health InsuranceDisability Income
Short-term disability (STD) insurance typically:
Health InsuranceDisability Income
A 'residual disability benefit' in a disability income policy:
Health InsuranceLong-term Care
The inflation protection benefit option in a long-term care policy:
Health InsuranceMedicare & Medicaid
Medicare Part D (prescription drug coverage):
Health InsuranceMedicare & Medicaid
The Medicare Part A hospital benefit period begins:
Health InsuranceACA
Under the ACA, health insurers are prohibited from doing all of the following EXCEPT:
Health InsuranceManaged Care
A 'capitation' payment arrangement in managed care means:
Health InsuranceDisability Income
'Own occupation' disability income policies are typically more expensive because:
Health InsuranceACA
The ACA's 'essential health benefits' (EHBs) include all of the following EXCEPT:
Health InsuranceManaged Care
Under a preferred provider organization (PPO), a member who uses an out-of-network provider:
Health InsuranceHealth Insurance Basics
Health insurance policies can be classified as either 'indemnity' plans or 'service plans.' The key difference is:
General InsuranceInsurance Marketplace
Reinsurance is a transaction between:
General InsuranceInsurance Marketplace
A fraternal benefit society differs from a stock or mutual insurer because it:
General InsuranceInsurance Marketplace
A captive insurance company is one that is:
General InsuranceInsurance Marketplace
The term 'surplus lines' insurance refers to coverage:
General InsuranceInsurance Marketplace
Which of the following best describes the role of a Managing General Agent (MGA)?
Rhode Island Insurance Law & EthicsProducer Licensing
Within how many days must an insurance producer report any administrative disciplinary action taken against them in another state to the Rhode Island DBR?
Rhode Island Insurance Law & EthicsUnfair Trade Practices
An insurance producer promises to return 20% of their commission to a client if the client purchases an individual disability income policy. Under Rhode Island law, this is:
Rhode Island Insurance Law & EthicsUnfair Trade Practices
Under R.I.G.L. § 27-29-4, publishing false, maliciously derogatory statements regarding the financial condition of an insurance carrier is classified as:
Rhode Island Insurance Law & EthicsDuties
Under R.I.G.L. § 27-13.1-3, how frequently must the Rhode Island Insurance Division conduct a financial examination of domestic insurance companies?
Rhode Island Insurance Law & EthicsDuties