Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

A lapsed individual health policy is reinstated on June 1. The insured is hospitalized on June 5 for an illness that began June 4. How is the claim generally treated under the reinstatement provision?

Denied, because sickness is covered only if it begins more than 10 days after the reinstatement date

Paid in full, because reinstatement restores coverage retroactively to the lapse date

Paid at 50 percent, because benefits under a reinstated policy phase in gradually over the first 30 days

Denied, because a reinstated policy excludes sickness for one year after the reinstatement date

Under the NAIC Uniform Individual Accident and Sickness Policy Provisions, the notice of claim provision requires the claimant to notify the insurer within what time frame?

Within 20 days after the loss begins, or as soon as reasonably possible

Within 60 days after the insurer furnishes claim forms, and not before

Within 3 years after the loss, the same outer limit for legal actions

Within 90 days after the loss, with no allowance for late notice

An insurer receives notice of claim but fails to send the claimant the required claim forms within the time allowed. What is the usual consequence under the claim forms provision?

The claimant may submit written proof of the nature and extent of the loss in any reasonable form

The insurer must pay a statutory penalty directly to the claimant in addition to the claim benefit

The claim is deemed approved and must be paid in full without any further proof from the claimant

The claimant must wait until the forms actually arrive, and the proof of loss deadline is extended accordingly

Under the NAIC Uniform Individual Accident and Sickness Policy Provisions, the legal actions provision imposes which pair of limits on an insured who wants to sue the insurer over a claim?

Suit may not be filed until 60 days after proof of loss is furnished, and not more than 3 years after proof of loss was required

Suit may be filed as soon as proof of loss is furnished, but must be filed within 1 year after the date of the loss

Suit may be filed only after the insurer issues a written denial of the claim, and must be filed within 90 days after the date of that denial

Suit may not be filed until the policy is surrendered to the insurer, and not more than 5 years after the date of loss

The physical examination and autopsy provision permits an insurer to do which of the following?

Examine the insured at the insurer's own expense as often as reasonably necessary while a claim is pending, and order an autopsy where not forbidden by law

Require the insured to undergo an annual wellness screening at the insured's expense as a condition of keeping the policy in force, and deny claims if it is skipped

Examine the insured no more than once per policy year during a pending claim, with the insured paying the examiner's fee and any travel costs

Order an autopsy in any death claim regardless of state law, and examine the insured at the insured's expense as often as the insurer chooses

A health policy's payment of claims provision includes a facility of payment clause. What does that clause allow the insurer to do?

Pay a limited amount to a relative by blood or marriage who appears equitably entitled, when no valid beneficiary exists

Delay payment of the entire benefit until an executor or administrator of the insured's estate has been formally appointed by the probate court

Pay the entire benefit directly to the producer who wrote the policy, who then distributes it to the insured's heirs

Substitute a lifetime annuity for any lump-sum benefit whenever the payee is a minor or the insured's estate

An insured with a disability income policy containing the optional change of occupation provision moves from an office job to roofing work without telling the insurer, then is injured. How are benefits typically handled?

Benefits are reduced to the amount the premium paid would have purchased at the more hazardous occupation's rate

The claim is denied outright, because failing to report the occupation change is treated as a material misrepresentation

Benefits are paid in full at the policy's stated amount, because the occupation classification is fixed at the time of issue

Benefits are paid in full, but the insurer may bill the insured for the back premium owed at the more hazardous rate

A claim reveals that an insured understated her age on the health insurance application. Under the optional misstatement of age provision, the insurer will most likely:

Adjust the benefit to what the premium actually paid would have purchased at the insured's correct age

Refer the matter to the state insurance fraud bureau and withhold all benefits until the investigation is complete

Rescind the contract and refund the premiums paid, regardless of how long the policy has been in force

Pay the full stated benefit and bill the insured for the back premium owed at the correct age, plus interest

Which pair of optional uniform provisions allows an insurer to exclude liability for losses arising from the insured's own unlawful or impaired conduct?

Illegal occupation, and intoxicants and narcotics

Unpaid premium, and conformity with state statutes

Other insurance in this insurer, and cancellation

Relation of earnings to insurance, and change of beneficiary

What is the purpose of the optional relation of earnings to insurance provision in a disability income policy?

To reduce disability benefits when total coverage exceeds the insured's earnings, so the insured is not better off disabled than working

To require the insured to submit tax returns and proof of earnings before the policy will be issued, so the benefit can be set at the correct level

To index the monthly benefit upward each year in step with the insured's rising earnings, so the benefit keeps pace with inflation

To make the policy pay first, before any group disability coverage the insured owns, whenever total coverage exceeds earnings

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Indiana Health Insurance Practice Exam Free - 2026

Indiana's insurance industry stretches from Indianapolis to every county seat, overseen by the Indiana Department of Insurance. Practice free, review every explanation, and walk into your exam knowing the reasoning. Access 240+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Indiana Health Insurance exam: 95 questions in 120 minutes; passing score 70 (scaled); exam fee $69; administered by Pearson VUE; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

240+ Questions

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Indiana Specific

How the Indiana Health Insurance exam compares

The Indiana Health exam is 95 questions, 120 minutes. The examination fee is $69.

Health Insurance questions reviewed by Jennifer Collins — Health & Accident, 9 years' experience, Columbus, OH. Last updated July 29, 2026

Figures above are taken from Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Indiana Health producer exam: general and state parts

Indiana splits the Health Insurance licensing exam into a general (national) part and a state-specific part on Indiana law: 95 total questions per handbook table (outline: 50 scored + 5 pretest general, 30 scored + 5 pretest state). Time limit: 120 minutes. Passing: 70. The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Indiana's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Indiana Department of Insurance.

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Indiana Health Exam Info

Vendor: Pearson VUE
Questions: 95 total questions per handbook table (outline: 50 scored + 5 pretest general, 30 scored + 5 pretest state)
Time limit: 120 minutes
Passing: 70
Exam fee: $69
Prelicensing: Life 20 hrs; Health 20 hrs; Life & Health 40 hrs; Property & Casualty 40 hrs (Indiana DOI resident licensing guidelines); certificate valid 6 months

Verified July 2026 from the Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025). Always confirm with the current official candidate handbook.

Indiana Department of Insurance

More Indiana Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Indiana Health Insurance Exam Topics

Affordable Care Act

Coordination & Other Concepts

Disability Income Insurance

Ethics & Regulations

Field Underwriting & Applications

General Principles & Contract Law

Group Health Insurance

Health Insurance Basics

HIPAA & Privacy

Managed Care (HMO/PPO/POS)

Medical Expense Insurance

Medicare & Medicaid

Medicare Supplement & Advantage

Policy Provisions

Prescription Drug Coverage

State Health Programs

Taxation of Health Insurance

Types of Health Policies

Underwriting & Risk

Uniform Policy Provisions

State Insurance Law

Free Indiana Health Practice Questions with Answers

12 sample questions from the 240-question Health bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Health questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Indiana

Prepare for multiple insurance licenses in Indiana

Life Insurance

Indiana Exam

Property & Casualty

Indiana Exam

Health Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Indiana Insurance Resources

Important external links for Indiana insurance licensing information

Indiana Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Indiana Health Insurance Practice Exam Free - 2026

How the Indiana Health Insurance exam compares

The Indiana Health producer exam: general and state parts

Choose Your Practice Mode

Indiana Health Insurance Exam Topics

Free Indiana Health Practice Questions with Answers

Question 1: Under the uniform grace period provision, which premium mode is matched with the correct minimum grace period?

Question 2: A lapsed individual health policy is reinstated on June 1. The insured is hospitalized on June 5 for an illness that began June 4. How is the claim generally treated under the reinstatement provision?

Question 3: Under the NAIC Uniform Individual Accident and Sickness Policy Provisions, the notice of claim provision requires the claimant to notify the insurer within what time frame?

Question 4: An insurer receives notice of claim but fails to send the claimant the required claim forms within the time allowed. What is the usual consequence under the claim forms provision?

Question 5: Under the NAIC Uniform Individual Accident and Sickness Policy Provisions, written proof of loss is generally due within how long after the date of loss, or after the end of each period for which the insurer is liable for periodic payments?

Question 6: Under the NAIC Uniform Individual Accident and Sickness Policy Provisions, the legal actions provision imposes which pair of limits on an insured who wants to sue the insurer over a claim?

Question 7: The physical examination and autopsy provision permits an insurer to do which of the following?

Question 8: A health policy's payment of claims provision includes a facility of payment clause. What does that clause allow the insurer to do?

Question 9: An insured with a disability income policy containing the optional change of occupation provision moves from an office job to roofing work without telling the insurer, then is injured. How are benefits typically handled?

Question 10: A claim reveals that an insured understated her age on the health insurance application. Under the optional misstatement of age provision, the insurer will most likely:

Question 11: Which pair of optional uniform provisions allows an insurer to exclude liability for losses arising from the insured's own unlawful or impaired conduct?

Question 12: What is the purpose of the optional relation of earnings to insurance provision in a disability income policy?

Frequently Asked Questions

How many questions are on the Indiana Health Insurance exam?

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Is the Indiana Health Insurance producer exam one test or two?

Other Insurance Exams in Indiana

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Official Indiana Insurance Resources

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