Free Virginia 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 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.
Study Hub & Practice Test Navigation
Practice Tests
Life & Annuities:
Study Materials
General Navigation
Interactive Practice Area
Select answers below to receive immediate score feedback.
Test 325 Questions
1/25
0%
Health InsuranceIndividual Health
A 'special enrollment period' (SEP) under the ACA is triggered by qualifying life events such as:
Health InsuranceManaged Care
Retrospective review in utilization management refers to:
Health InsuranceMedicare & Medi-Cal
The 'Welcome to Medicare' preventive visit is a one-time benefit available:
Health InsuranceTypes of Policies
What is a Flexible Spending Account (FSA)?
Health InsuranceDisability Income
Social insurance offset riders in disability income policies:
General InsuranceBasic Principles
What is insurable interest?
General InsuranceContracts & Terminology
An insurance policy is considered a unilateral contract because:
Health InsuranceTypes of Policies
What is a 'dread disease' or 'limited risk' policy?
Health InsuranceManaged Care
A concurrent review in a managed care plan involves:
General InsuranceContracts Terminology
The parol evidence rule in insurance means:
Health InsuranceGroup Plans
In a group health insurance plan, the contract is between the:
General InsuranceBasic Principles
Which of the following is NOT a requirement for a loss to be insurable?
Health InsuranceLong-Term Care Insurance
What is 'respite care' in the context of an LTC policy?
Health InsuranceMedicare & Medi-Cal
Which Medigap plans are no longer available for sale to individuals newly eligible for Medicare on or after January 1, 2020?
Health InsuranceDisability Insurance
The 'probationary period' in a disability income policy refers to the:
General InsuranceContracts & Terminology
What does a 'guaranteed renewable' provision ensure?
Health InsuranceACA / PPACA
How many categories of Essential Health Benefits (EHBs) are required under the Affordable Care Act?
Health InsuranceManaged Care
In a staff model HMO, physicians are:
Health InsuranceGroup Plans
Under federal COBRA, how long can a spouse and dependent children continue coverage if the covered employee dies or gets divorced?
Health InsuranceLong-Term Care Insurance
Which of the following care settings is for individuals who need some assistance with daily living but do not require 24-hour nursing care?
Health InsuranceDisability Insurance
A disability buy-sell agreement funded by a disability policy is designed to:
Health InsuranceTypes of Policies
When an individual A&H policy is reinstated, coverage for accidents is effective:
General InsuranceInsurance Marketplace
An independent insurance agent represents:
Health InsuranceGroup Plans
For dependents, a qualifying event under COBRA can include all of the following EXCEPT:
Health InsuranceLong-term Care