Free Washington 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 Washington 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 InsuranceManaged Care
Retrospective review in utilization management refers to:
Health InsuranceLong-term Care
The elimination period in a long-term care insurance policy is:
General InsuranceContracts & Terminology
A void contract is one that:
General InsuranceBasic Principles
What is insurable interest?
Health InsuranceGroup Health
A 'contributory' group health plan means:
General InsuranceUnderwriting & Policy Issuance
If an insurer requests an HIV test from an applicant, who is responsible for the cost?
Health InsuranceManaged Care
A concurrent review in a managed care plan involves:
Health InsuranceTypes of Policies
The mandatory 'Legal Actions' provision states that the insured cannot bring a lawsuit against the insurer:
Health InsuranceManaged Care
Which of the following best describes the payment model used by Health Maintenance Organizations (HMOs)?
Health InsuranceMedicare & Medicaid
To be eligible for Medicare Part A without paying a premium, an individual must have:
Health InsuranceMedicare & Medicaid
Medicare Part B has a monthly premium that:
Health InsuranceManaged Care
In a Health Maintenance Organization (HMO), the 'primary care physician' (PCP) serves as:
Health InsuranceGroup Plans
In a group plan, experience rating is based on:
Health InsuranceTypes of Policies
What is 'utilization review' in a managed care plan?
Health InsuranceMedicare & Medi-Cal
How is Medicare Part A primarily funded?
Health InsuranceACA / PPACA
Under the ACA, a Bronze plan has an actuarial value of approximately 60%. This means that on average the enrollee is expected to pay what percentage of covered medical costs through cost-sharing?
Health InsuranceMedicare & Medi-Cal
The 'Welcome to Medicare' preventive visit is a one-time benefit available:
Health InsuranceMedicare & Medicaid
The Medicare Advantage 'network' restriction means:
Health InsuranceTypes of Policies
A major medical policy is designed to cover:
Health InsuranceACA / PPACA
An individual with a history of diabetes applies for health insurance during Open Enrollment. Under the ACA the insurer:
General InsuranceInsurance Marketplace
In an independent agency system, the agent:
Health InsuranceACA
The ACA's 'essential health benefits' (EHBs) include all of the following EXCEPT:
General InsuranceUnderwriting & Policy Issuance
What is the main source of information used by an underwriter to evaluate a risk?
General InsuranceUnderwriting & Policy Issuance
An Attending Physician Statement (APS) is:
Health InsuranceLong-Term Care Insurance