Free Tennessee Accident & Health Insurance Practice Exam 1
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Tennessee 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 125 Questions
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Health InsuranceManaged Care
In a Point of Service (POS) plan, what happens when a member chooses to receive care from an out-of-network provider without a referral?
General InsuranceBasic Principles
Sarah wants to purchase a life insurance policy on her business partner, David, to protect the business. Which of the following is TRUE regarding when Sarah must have an insurable interest in David's life?
Tennessee Insurance Law & EthicsUnfair trade practices
A client wants to cancel a policy. The agent, Mark, makes false statements about the cancellation penalties to convince the client to keep it. What violation is Mark committing?
Health InsuranceMedicare & Medicaid
The Medicare Part A hospital benefit period begins:
Tennessee Insurance Law & EthicsClaims handling
Under Tennessee law, which of the following is considered an unfair claims settlement practice?
Health InsuranceIndividual Health
A 'special enrollment period' (SEP) under the ACA is triggered by qualifying life events such as:
General InsuranceBasic Principles
Which of the following represents a 'speculative risk' that is generally NOT insurable?
Health InsuranceManaged Care
A concurrent review in a managed care plan involves:
Health InsuranceManaged Care
A defining feature of an HMO is the requirement that members select a:
Health InsuranceDisability Income
Social insurance offset riders in disability income policies:
Tennessee Insurance Law & EthicsProducer licensing
An agent, Melissa, is auditing her CE records. She realizes she has completed 28 hours of CE for her qualification, which is more than required. What happens to these extra hours?
Health InsuranceTypes of Policies
The optional 'Overinsurance' provision protects against:
Health InsuranceTypes of Policies
An individual health insurance policy that the insurer cannot cancel and cannot increase the premium on is classified as:
Health InsuranceMedicare & Medicaid
A beneficiary in a Medicare Advantage HMO plan generally must receive their care from:
Health InsuranceTypes of Policies
The percentage of covered medical expenses that the insured is required to pay after the deductible has been met is known as:
Health InsuranceACA / PPACA
Which of the following events would qualify an individual for a Special Enrollment Period (SEP) under the ACA?
General InsuranceInsurance Marketplace
Which of the following distribution systems uses agents who represent only one insurance company?
Tennessee Insurance Law & EthicsReplacement regulations
A replacing insurer in Tennessee receives an application that involves replacing a policy from another insurer. Within how many days must the replacing insurer notify the existing insurer of the proposed replacement?
Health InsuranceLong-Term Care Insurance
A 'nonforfeiture benefit' in an LTC policy ensures that:
Health InsuranceLong-Term Care Insurance
Adult day care is a covered benefit under most LTC policies. It provides:
General InsuranceBasic Principles
A moral hazard is characterized by:
Tennessee Insurance Law & EthicsReplacement regulations
A client is replacing their policy. The replacing insurer must provide a free-look period for the new policy. What is the minimum free-look period required for a replacement life policy in Tennessee?
Health InsuranceTypes of Policies
Which of the following is typically considered a 'major' service under a dental plan?
Health InsuranceLong-term Care
The elimination period in a long-term care insurance policy is:
General InsuranceInsurance Marketplace