Free Tennessee 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 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 325 Questions
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Health InsuranceManaged Care
Utilization review in managed care is the process of:
Tennessee Insurance Law & EthicsUnfair trade practices
An agent pays a client's policy fee without disclosing it in the policy contract to make a sale. What is this practice called?
Health InsuranceMedicare & Medicaid
What is the Medicare Part A inpatient hospital deductible applicable to?
Tennessee Insurance Law & EthicsClaims handling
An insurer needs to deny a claim but does so verbally without sending any written confirmation. Under Tennessee law, what is the status of this action?
Health InsuranceHSAs HRAs and FSAs
An employer offers a Flexible Spending Account with a carryover provision. What is the maximum amount of unused funds an employee may carry over into the next plan year?
Tennessee Insurance Law & EthicsFree-Look & Grace Periods
A life insurance policy lapses due to nonpayment. The policyowner, Robert, wants to reinstate the policy. Under Tennessee law, within how many years can Robert request reinstatement?
Tennessee Insurance Law & EthicsClaims handling
How long does an insurer have to make a decision to approve or deny a claim after receiving complete proof of loss?
Health InsuranceTypes of Policies
What is 'utilization review' in a managed care plan?
Health InsuranceMedicare & Medicaid
An 'assignment' in the context of Medicare means:
Health InsuranceGroup Health
Coordination of Benefits (COB) in group health insurance prevents:
Health InsuranceHSAs HRAs and FSAs
Which of the following accounts is portable and stays with the employee when they change employers?
Health InsuranceIndividual Health
Under the ACA, 'grandfathered' health plans are:
Health InsuranceHealth Insurance Basics
The 'birthday rule' applies to:
Health InsuranceMedicare & Medicaid
When can a person change their Medicare Advantage or Part D plan?
General InsuranceInsurance Marketplace
A Third-Party Administrator (TPA) in the insurance industry is:
General InsuranceTypes of Insurers
Which of the following best describes a 'health maintenance organization' (HMO) from an insurance carrier perspective?
Health InsuranceMedicare & Medicaid
Medicare Part B has a monthly premium that:
General InsuranceBasic Principles
The Law of Large Numbers helps an insurer to:
Health InsuranceTypes of Policies
What is the purpose of a Health Reimbursement Arrangement (HRA)?
Health InsuranceGroup Plans
Who receives a certificate of insurance as proof of coverage in a group plan?
Tennessee Insurance Law & EthicsDuties
During a routine compliance check, the Insurance Commissioner requests client files from agent Sarah. Under Tennessee law, what is Sarah's obligation regarding these records?
Health InsuranceDisability Insurance
If an individual pays the premiums for their own disability income policy, how are the benefits received treated for tax purposes?
Health InsuranceHealth Insurance Basics
A 'calendar-year deductible' in health insurance means:
General InsuranceBasic Principles
Which of the following losses would most likely be insurable?
General InsuranceContracts & Terminology