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 1300 practice questions - 401 for Life, 400 for Health, and 534 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 child is covered as a dependent under both parents' group health plans and the parents are married and living together. Under the standard birthday rule, which plan is primary?

The plan of the parent whose birthday falls earlier in the calendar year, regardless of birth year

The plan of the parent who is older, as measured by the full date of birth including the year of birth

The plan of the parent whose coverage has been in effect for the longer period of time

The plan of the parent who is the child's custodial parent under the most recent court order

A disability income policy is written on a non-occupational basis. What does that mean for the insured?

The policy covers disabilities arising off the job, because on-the-job injuries are expected to be handled by workers compensation

The policy covers disabilities arising on the job, supplementing the benefits workers compensation pays for work-related injuries

The policy covers disabilities arising from any cause, but only while the insured is employed in the occupation shown on the application

The policy covers disabilities arising from sickness only, since occupational injuries are handled under workers compensation

An insured's medical bills from a car accident are paid by her health plan, and she later wins a settlement from the driver who caused the crash. How does subrogation typically operate?

The health plan may recover from the settlement the amounts it already paid, so the insured is not paid twice for the same expenses

The health plan must reimburse the at-fault driver's insurer for any settlement amounts that duplicate the medical benefits already paid

The at-fault driver's insurer must pay the health plan directly before the insured may file a claim under her own coverage

The insured keeps the entire settlement, because subrogation applies only to property insurance and not to health coverage

Which statement best distinguishes a residual disability benefit from a straightforward partial disability benefit?

Residual benefits are calculated from the percentage of income the insured actually lost, while a partial disability benefit typically pays a flat reduced percentage of the full benefit for a limited time

Residual benefits pay a flat reduced percentage of the full benefit for a limited time, while a partial disability benefit is calculated from the percentage of income the insured has actually lost since returning to work

Residual benefits are payable only for disabilities caused by accidental injury, while a partial disability benefit is payable for disabilities caused by either sickness or injury

Residual benefits continue only while the insured remains totally disabled, while a partial disability benefit begins once the insured returns to work in a limited capacity

An employee is injured on the job and files a workers compensation claim. How does this typically interact with his employer's group health plan?

Workers compensation pays for the work-related injury, and the group health plan generally excludes charges covered by workers compensation

The group health plan pays as primary for the work-related injury, and workers compensation reimburses the plan for any remaining balance

Workers compensation pays the medical expenses, while the group health plan pays the employee's lost wages for the duration of disability

The employee may submit the medical bills to either program, and whichever pays first becomes primary for that claim and all future claims

A newborn is added to a parent's individual health policy. Which statement reflects the general standard for newborn coverage?

Coverage generally begins at birth for injury, sickness, and medically diagnosed congenital defects, with the parent required to notify the insurer and pay any additional premium within the stated enrollment window

Coverage generally begins at birth for injury and sickness, but congenital defects are excluded as preexisting conditions until the child has been enrolled for the policy's waiting period

Coverage generally begins on the date the insurer receives the parent's written notice of birth, with the newborn treated as a late enrollee subject to underwriting if notice arrives over thirty days after birth

Coverage begins at birth without any premium or notice requirement, because the newborn is treated as an insured under the parent's policy until the next policy anniversary

Under HIPAA's portability rules, which of the following counts as creditable coverage?

Coverage under a group health plan, individual health insurance, Medicare, or Medicaid

Only coverage under an employer's group health plan

Any prior coverage, including plans consisting solely of excepted benefits such as stand-alone dental

Only coverage that was continuously in force for at least five years

An employee declined her employer's group health plan because she was covered under her spouse's plan. Her spouse then loses his job, and with it her coverage. Under HIPAA's special enrollment rules, how long does she have to request enrollment in her own employer's plan?

30 days after the other coverage ends

10 days after the other coverage ends

90 days after the other coverage ends

She must wait for the plan's next annual open enrollment

An employee's child loses Medicaid coverage, triggering a HIPAA special enrollment right in the parent's group health plan. How does the request deadline for this event differ from the deadline that applies to loss of other group coverage?

It is longer: 60 days instead of 30 days

There is no deadline for Medicaid-related events

It is shorter: 15 days instead of 30 days

It is the same 30-day deadline that applies to all special enrollment events

A group health plan wants to write eligibility rules that exclude certain individuals. Under HIPAA's nondiscrimination provisions, which basis for exclusion is prohibited?

The person's claims experience or genetic information

Whether the person works enough hours to be in an eligible employment class

Whether the person has satisfied the plan's waiting period

The person's status as a part-time versus full-time employee

Which of the following is a covered entity directly subject to the HIPAA Privacy Rule?

A health plan, a health care clearinghouse, or a provider that transmits health information electronically for covered transactions

An employer acting purely in its role as an employer

Any business that happens to store employee health records

Only federal government health programs

100% Free - No Registration Required

Louisiana Health Insurance Practice Exam Free - 2026

Between hurricane risk and a one-of-a-kind legal system, Louisiana is a distinctive place to sell insurance. The Louisiana Department of Insurance licenses every producer - get exam-ready here at no cost. Access 300+ free Health Insurance questions with detailed explanations.

Exam quick facts. The Louisiana Health Insurance exam: 100 questions in 120 minutes; passing score 70%; exam fee $36; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

Unlimited Practice

Louisiana Specific

How the Louisiana Health Insurance exam compares

The Louisiana Health exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $36.

Louisiana requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

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

Figures above are taken from PSI Candidate Information Bulletin - Louisiana Department of Insurance (updated 1/1/2025) + PSI examination content outlines and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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All answers shown
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Make Your Own Test

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Louisiana Health Exam Info

Vendor: PSI
Questions: 100 questions (Health and Accident or Sickness, Series 102)
Time limit: 120 minutes
Passing: 70% correct
Exam fee: $36
Prelicensing: None - CIB states 'There are no prelicensing requirements for all examinations except Public Adjuster and Bail Bond'

Verified July 2026 from the PSI Candidate Information Bulletin - Louisiana Department of Insurance (updated 1/1/2025) + PSI examination content outlines. Always confirm with the current official candidate handbook.

Louisiana Department of Insurance

More Louisiana 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.

Louisiana 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 Louisiana Health Practice Questions with Answers

12 sample questions from the 300-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 Louisiana

Prepare for multiple insurance licenses in Louisiana

Life Insurance

Louisiana Exam

Property & Casualty

Louisiana Exam

Health Insurance Exams in Nearby States

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

Arkansas

Mississippi

Texas

Official Louisiana Insurance Resources

Important external links for Louisiana insurance licensing information

Louisiana 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

Louisiana Health Insurance Practice Exam Free - 2026

How the Louisiana Health Insurance exam compares

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Louisiana Health Insurance Exam Topics

Free Louisiana Health Practice Questions with Answers

Question 1: A child is covered as a dependent under both parents' group health plans and the parents are married and living together. Under the standard birthday rule, which plan is primary?

Question 2: A disability income policy is written on a non-occupational basis. What does that mean for the insured?

Question 3: An insured's medical bills from a car accident are paid by her health plan, and she later wins a settlement from the driver who caused the crash. How does subrogation typically operate?

Question 4: Which statement best distinguishes a residual disability benefit from a straightforward partial disability benefit?

Question 5: An employee is injured on the job and files a workers compensation claim. How does this typically interact with his employer's group health plan?

Question 6: A newborn is added to a parent's individual health policy. Which statement reflects the general standard for newborn coverage?

Question 7: Under HIPAA's portability rules, which of the following counts as creditable coverage?

Question 8: An employee declined her employer's group health plan because she was covered under her spouse's plan. Her spouse then loses his job, and with it her coverage. Under HIPAA's special enrollment rules, how long does she have to request enrollment in her own employer's plan?

Question 9: An employee's child loses Medicaid coverage, triggering a HIPAA special enrollment right in the parent's group health plan. How does the request deadline for this event differ from the deadline that applies to loss of other group coverage?

Question 10: A group health plan wants to write eligibility rules that exclude certain individuals. Under HIPAA's nondiscrimination provisions, which basis for exclusion is prohibited?

Question 11: Under HIPAA's breach notification requirements, after a covered entity discovers a breach of unsecured protected health information, affected individuals must be notified without unreasonable delay and no later than how long after discovery?

Question 12: Which of the following is a covered entity directly subject to the HIPAA Privacy Rule?

Frequently Asked Questions

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Other Insurance Exams in Louisiana

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Official Louisiana Insurance Resources

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