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.

What is a waiver of premium rider in a disability or health-related policy designed to do?

Waive future premiums if the insured meets the policy's disability requirements

Refund premiums already paid if the insured becomes totally disabled

Pay the insured a monthly benefit equal to the premium during a hospital stay

Keep the policy in force without premiums once the insured reaches a stated age

What is the main purpose of a guaranteed insurability rider?

Allow the insured to buy additional coverage later without new evidence of insurability, subject to rider terms

Allow the insured to reinstate a lapsed policy at any time without paying the overdue premiums or interest

Guarantee that the insurer will renew the policy each year at the original premium regardless of health changes

Allow the insured to increase the monthly benefit automatically each year to keep pace with inflation

What does a hospital indemnity policy typically pay?

A stated benefit for covered hospitalization, regardless of the actual amount of the hospital bill

The full billed hospital charges, reimbursed at 100 percent once the insured has satisfied a deductible

A percentage of the hospital's actual charges, after applying the major medical plan's deductible and coinsurance

Reimbursement of the physician's fees for outpatient office visits, with no benefit for inpatient stays

What is accident-only health insurance designed to cover?

Covered losses resulting from accidents, not sicknesses

Covered losses resulting from sicknesses, not accidents

Both accidents and sicknesses after a short waiting period

Accidents that occur at work, similar to workers compensation

What is a dental insurance waiting period?

A period before certain dental benefits are available

A time when all cosmetic procedures are covered

A period when premiums are waived automatically

A waiting period for auto collision coverage

Which statement best describes vision insurance?

It often helps pay for routine eye exams, lenses, frames, or contacts subject to plan limits

It pays the full cost of eye surgery and treatment of eye disease, with no plan limits

It is a required component of every adult major medical plan sold under the ACA

It reimburses eyewear and exams at 100 percent once the major medical deductible is met

What does a specified disease policy cover?

A named disease or group of diseases listed in the policy

Any sickness diagnosed after the policy's effective date

Preexisting conditions that a major medical plan has excluded

Accidental injuries, with sickness excluded from coverage

What is a common purpose of a long-term care inflation protection feature?

Help benefits keep pace with rising care costs over time

Keep premiums level regardless of the insured's age at issue

Extend the benefit period so benefits are paid for life

Shorten the elimination period as care costs rise over time

In group health insurance, what is the master policy?

The contract issued to the employer or group sponsor

The certificate issued to each employee covered under the plan

The enrollment application signed by each employee

The summary of benefits given to eligible group members

What does a certificate of insurance provide to a group member?

Evidence and summary of the member's coverage under the group policy

The full contract terms, which control over the master policy

Ownership rights in the master policy, with the right to amend it

A guarantee that the coverage will continue after employment ends

100% Free - No Registration Required

New Jersey Health Insurance Practice Exam Free - 2026

New Jersey's Department of Banking and Insurance runs one of the more distinctive licensing systems - including separate Property and Casualty exams. Whatever line you're pursuing, practice free here first. Access 240+ free Health Insurance questions with detailed explanations.

Exam quick facts. The New Jersey Health Insurance exam: 88 questions in 210 minutes; passing score 70%; exam fee $38; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

240+ Questions

Unlimited Practice

New Jersey Specific

How the New Jersey Health Insurance exam compares

The New Jersey Health exam is 88 questions, 210 minutes, a 70% cut score. The examination fee is $38.

New Jersey requires 20 hours of prelicensing education before you can take the exam.

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 New Jersey Insurance Producer Candidate Information Bulletin (specs verified in PSI NJ content outlines at proctor2.psionline.com/programs/NJINS/) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your New Jersey selection

New Jersey Health Exam Info

Vendor: PSI Services
Questions: 88 scored items (plus 5-19 unscored experimental questions may be added)
Time limit: 210 minutes
Passing: 70% correct (minimum passing score)
Exam fee: $38 examination fee
Prelicensing: 20 hours per line (40 hours for both)

Verified July 2026 from the PSI New Jersey Insurance Producer Candidate Information Bulletin (specs verified in PSI NJ content outlines at proctor2.psionline.com/programs/NJINS/). Always confirm with the current official candidate handbook.

New Jersey Department of Banking and Insurance

More New Jersey 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.

New Jersey 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 New Jersey 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 New Jersey

Prepare for multiple insurance licenses in New Jersey

Life Insurance

New Jersey Exam

Property & Casualty

New Jersey Exam

Health Insurance Exams in Nearby States

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

New York

Pennsylvania

Delaware

Official New Jersey Insurance Resources

Important external links for New Jersey insurance licensing information

New Jersey Department of Banking and 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.

Ready to Start Practicing?

Choose a practice mode above and begin your free New Jersey Health Insurance exam preparation today.

Learn more about exam preparation:

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

New Jersey Health Insurance Practice Exam Free - 2026

How the New Jersey Health Insurance exam compares

Choose Your Practice Mode

New Jersey Health Insurance Exam Topics

Free New Jersey Health Practice Questions with Answers

Question 1: What is a waiver of premium rider in a disability or health-related policy designed to do?

Question 2: What is the main purpose of a guaranteed insurability rider?

Question 3: Which policy is designed to pay a specified benefit when the insured is diagnosed with a covered serious illness?

Question 4: What does a hospital indemnity policy typically pay?

Question 5: What is accident-only health insurance designed to cover?

Question 6: What is a dental insurance waiting period?

Question 7: Which statement best describes vision insurance?

Question 8: What does a specified disease policy cover?

Question 9: What is a common purpose of a long-term care inflation protection feature?

Question 10: Which feature is most directly related to how long long-term care benefits may be paid?

Question 11: In group health insurance, what is the master policy?

Question 12: What does a certificate of insurance provide to a group member?

Frequently Asked Questions

How many questions are on the New Jersey Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the New Jersey insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in New Jersey

Health Insurance Exams in Nearby States

Official New Jersey Insurance Resources

Ready to Start Practicing?

Health practice tests by state