Free practice test

Free Insurance Licensing Practice Test

Take our free insurance licensing practice test with 20 questions covering life and health, property and casualty, and regulations. See your score instantly.

100% free to practice
No signup required
State-specific content

This free insurance licensing practice test includes 20 multiple-choice questions drawn from the subject areas covered on state life and health and property and casualty insurance producer licensing exams. Topics include life insurance types, annuities, health plan structures, disability income, homeowners and commercial property coverage, liability, auto insurance, workers' compensation, and producer regulations.

After you submit, you will see your score, the correct answer for each question, and a plain-English explanation. Use missed questions to identify the concepts you need to review before your state licensing exam.

These questions are for study practice only and are not official exam questions. ExamsLib is not an official licensing authority or affiliated with any state insurance department or exam provider. Passing this practice test does not guarantee a passing score on your state licensing exam.

These questions are for study practice only and are not official exam questions.

Question 1

Which type of life insurance provides coverage for a specific period of time and pays a death benefit only if the insured dies during that period?

Question 2

Under a Health Maintenance Organization (HMO) plan, a member who wants to see a specialist typically must first:

Question 3

When a life insurance policy is surrendered for its cash value, which of the following tax consequences typically applies?

Question 4

In a standard homeowners insurance policy, which of the following perils is typically EXCLUDED from coverage?

Question 5

The doctrine of 'estoppel' prevents an insurer from:

Question 6

A life insurance policy's 'free look' period allows the policyholder to:

Question 7

The principle of subrogation in property insurance allows the insurer to:

Question 8

What is 'twisting' as it relates to unfair trade practices in insurance?

Question 9

Which type of life insurance builds cash value over time and remains in force for the insured's entire lifetime as long as premiums are paid?

Question 10

An HO-3 homeowners policy covers the dwelling on which basis?

Question 11

A commercial general liability (CGL) policy is designed primarily to protect a business from:

Question 12

An insurance agent who collects premiums on behalf of a client and fails to forward them to the insurer is guilty of:

Question 13

Which policy provision requires the insured to maintain insurance equal to a specified percentage of the property's value in order to receive full reimbursement for a partial loss?

Question 14

In property insurance, the 'other insurance' clause prevents the insured from collecting more than the actual loss when multiple policies cover the same property. Which method divides the loss proportionally based on each policy's limit relative to the total insurance in force?

Question 15

A producer who acts on behalf of the insured rather than the insurance company is best described as a(n):

Question 16

Which of the following best describes the 'accidental death benefit' rider added to a life insurance policy?

Question 17

Under an occurrence-based liability policy, coverage applies to claims:

Question 18

Comprehensive auto insurance coverage pays for vehicle damage caused by:

Question 19

Which of the following activities requires an insurance license in most states?

Question 20

The principle of 'utmost good faith' (uberrimae fidei) in insurance requires that:

Enable JavaScript for the interactive step-by-step quiz with instant scoring and explanations.

Frequently asked questions

What topics does this insurance practice test cover?

The practice test covers life insurance (term, whole, universal life), annuities, health plan types (HMO, PPO, HDHP), disability income provisions, homeowners and commercial property coverage, liability, auto insurance, workers' compensation, and insurance producer regulations including unfair trade practices and cancellation rules.

Is this practice test specific to life and health or property and casualty?

The question bank covers both life and health topics and property and casualty topics. If you are studying for only one line of authority, focus on the explanations for questions in your exam area and use the study guides for targeted review.

Is this the same as the real state insurance licensing exam?

No. These questions are for study practice only and are not official exam questions from any state insurance department or approved exam provider. ExamsLib is not an official licensing authority.

How many questions are on the free practice test?

This free practice test has 20 multiple-choice questions. A passing practice score is 70 percent or better (14 out of 20 correct).

Can I retake the practice test?

Yes. You can take the practice test as many times as you need. A different set of questions may be assembled from the bank on each attempt.