Free Virginia 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 Virginia 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 InsuranceMedicare & Medi-Cal
What is another name for Medicare Part C?
General InsuranceInsurance Marketplace
A stock insurance company is owned by:
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, what is the maximum ratio by which insurers can charge older adults more than younger adults for the same coverage?
Health InsuranceManaged Care
Under a preferred provider organization (PPO), a member who uses an out-of-network provider:
Health InsuranceLong-Term Care Insurance
The period of time after a benefit trigger is met but before LTC benefits begin is called the:
Health InsuranceLong-term Care
A 'bed reservation benefit' in a long-term care policy:
General InsuranceBasic Principles
Which of the following is a PURE risk?
Health InsuranceMedicare & Medicaid
Medicare Part B covers:
Health InsuranceDisability Insurance
The provision that addresses a disability that reappears after the insured has returned to work is the:
Health InsuranceTypes of Policies
What is the 'out-of-pocket maximum' or 'stop-loss' in a health insurance policy?
Health InsuranceMedicare & Medicaid
Medicare Part B has a monthly premium that:
General InsuranceContracts Terminology
Which element is NOT required for a valid insurance contract?
General InsuranceBasic Principles
A hazard that arises from an individual's carelessness because they feel protected by insurance is called a:
Health InsuranceGroup Health
The 'birthday rule' is used to determine which parent's plan is primary for a dependent child when:
Health InsuranceGroup Health
A 'fully insured' group health plan differs from a self-insured plan in that:
Health InsuranceGroup Plans
What is the primary advantage of group underwriting over individual underwriting?
Health InsuranceTypes of Policies
A basic medical expense policy typically provides coverage for:
General InsuranceInsurance Marketplace
Reinsurance is a transaction between:
Health InsuranceManaged Care
A Point-of-Service (POS) plan combines features of:
General InsuranceTypes of Insurers
Which type of insurance organization is characterized by members mutually insuring each other and being managed by an Attorney-in-Fact?
Health InsuranceMedicare & Medi-Cal
The primary purpose of the Medicare Access and CHIP Reauthorization Act (MACRA) was to:
Health InsuranceMedicare & Medicaid
The Medicare Part A hospital benefit period begins:
Health InsuranceTypes of Policies
Which type of health care plan is characterized by having a primary care physician (PCP) who acts as a 'gatekeeper'?
Health InsuranceGroup Health