Free Tennessee 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 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 225 Questions
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Health InsuranceGroup Plans
What does COBRA stand for?
General InsuranceBasic Principles
In order to be insurable, a risk must NOT be:
Health InsuranceTypes of Policies
A High Deductible Health Plan (HDHP) is often paired with a:
Tennessee Insurance Law & EthicsReplacement regulations
A producer, Thomas, represents that the cash values of an existing policy will be used to pay premiums for a new policy, but fails to explain that this will reduce the existing policy's death benefit. What is this violation?
Health InsuranceMedicare & Medicaid
Medicare Part C (Medicare Advantage) differs from Original Medicare because:
General InsuranceContracts Terminology
An insurance contract is classified as a contract of adhesion because:
General InsuranceUnderwriting & Policy Issuance
The process where an insurer may check information from the Department of Motor Vehicles (DMV) for an applicant is part of:
Tennessee Insurance Law & EthicsUnfair trade practices
An agent, Arthur, tells a client that a competitor's insurance policy has exclusions that do not exist, in order to convince the client to switch. What unfair trade practice is Arthur guilty of?
General InsuranceContracts & Terminology
A false statement of a material fact on an application is known as:
Health InsuranceMedicare & Medicaid
Medicare Supplement (Medigap) insurance is designed to:
Health InsuranceMedicare & Medicaid
Original Medicare (Parts A and B) does NOT have a yearly limit on:
Tennessee Insurance Law & EthicsReplacement regulations
An agent, David, is replacing a life insurance policy. He fails to submit the Notice Regarding Replacement to the replacing insurer. What is the consequence for David?
Health InsuranceDisability Income
A 'residual disability benefit' in a disability income policy:
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceLong-Term Care Insurance
What is 'respite care' in the context of an LTC policy?
Health InsuranceHSAs HRAs and FSAs
An HSA account holder turns 65 and enrolls in Medicare. They withdraw HSA funds to pay for a new television. Which of the following describes the tax treatment of this withdrawal?
Health InsuranceLong-term Care
The '5-year look-back period' associated with Medicaid and long-term care planning means:
Tennessee Insurance Law & EthicsUnfair trade practices
An insurer offers a special discount on life insurance premiums to individuals who buy a new car from a preferred dealership. What violation is this?
Health InsuranceDisability Insurance
What is the waiver of premium provision in a disability policy?
Health InsuranceDisability Insurance
How are benefits received from a Business Overhead Expense (BOE) policy taxed?
Health InsuranceTypes of Policies
Under the ACA, how long can a young adult remain on their parent's health insurance plan?
Health InsuranceManaged Care
A Point-of-Service (POS) plan combines features of:
General InsuranceBasic Principles
In insurance, what is the term for the cause of a loss?
Tennessee Insurance Law & EthicsClaims handling
A health insurance claimant, Lisa, requests claim forms from her insurer. Within how many days of receiving the request must the insurer provide the forms to Lisa?
Health InsuranceGroup Plans