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.
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Test 325 Questions
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Health InsuranceGroup Plans
How much can an employer charge a former employee for COBRA continuation coverage?
Health InsuranceHealth Insurance Basics
Under health insurance, an 'in-network' provider is one that:
Health InsuranceGroup Health
The 'late entrant' provision in group health insurance:
Virginia Insurance Law & EthicsUnfair trade practices
An agent, Brian, convinces a client to replace a life insurance policy they bought last year with a new policy from the same insurer, solely to generate a new first-year commission for himself. What is this practice called?
General InsuranceContracts & Terminology
The voluntary relinquishment of a known legal right is called a:
Health InsuranceDisability Insurance
In an employer-paid (noncontributory) group disability plan, how are the benefits received by an employee treated for tax purposes?
Health InsuranceDisability Insurance
What is the waiting period for Social Security disability benefits?
Health InsuranceACA / PPACA
Which ACA provision requires health plans to cover certain preventive services without any cost-sharing to the insured?
Virginia Insurance Law & EthicsProducer licensing
A resident applicant, Mark, wishes to obtain an insurance agent license in Virginia. Which of the following is a minimum eligibility requirement for Mark?
Virginia Insurance Law & EthicsGrace period
A policyholder has a weekly premium health insurance policy. What is the minimum grace period required for this policy in Virginia?
General InsuranceBasic Principles
A morale hazard arises from:
General InsuranceInsurance Marketplace
A Managing General Agent (MGA) differs from a regular agent primarily because the MGA:
Health InsuranceHealth Insurance Basics
What is the primary purpose of health insurance?
General InsuranceTypes of Insurers
A purchasing group under the federal Liability Risk Retention Act:
Health InsuranceLong-Term Care Insurance
Which type of care is NOT typically covered by a Long-Term Care policy?
Health InsuranceLong-Term Care Insurance
Which of the following are considered Activities of Daily Living (ADLs)?
Health InsuranceHealth Insurance Basics
The 'notice of claims' provision in a health insurance policy requires:
Virginia Insurance Law & EthicsState Guaranty Association
A policyholder, Thomas, dies. The insolvent insurer, Star Mutual, is unable to pay the death benefit. What is the maximum amount the Virginia Life, Accident and Sickness Insurance Guaranty Association will pay for a single life insurance death benefit?
General InsuranceInsurance Marketplace
A mutual insurance company is owned by:
Virginia Insurance Law & EthicsState Guaranty Association
How is the Virginia Life, Accident and Sickness Insurance Guaranty Association funded?
Health InsuranceGroup Plans
An employer has 25 employees and offers a group health plan. An employee quits their job. What are their continuation rights?
Health InsuranceHealth Insurance Basics
A noncancellable health insurance policy guarantees that:
Health InsuranceGroup Plans
Self-funded health plans are regulated by:
Health InsuranceACA
Under the ACA, health insurers are prohibited from doing all of the following EXCEPT:
Health InsuranceTypes of Policies