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.

What is an exclusion rider sometimes used for in individual health insurance?

To exclude or limit coverage for a specified condition or hazard, where allowed

To add coverage for a specified condition in exchange for an extra premium

To charge a higher premium for a substandard risk instead of restricting any benefits

To waive the preexisting condition limitation for a specified health condition

What is the purpose of a preexisting condition limitation?

To limit coverage for a condition that existed before coverage began, subject to policy terms and law

To exclude coverage for any illness or injury that first develops during the initial year the policy is in force

To reduce the benefit amount for conditions that were disclosed and accepted during underwriting

To require a higher premium for applicants who reported a chronic condition on the application

What does proof of loss usually mean in a health insurance claim?

Documentation submitted to support that a covered loss occurred

A document proving the insurer is profitable

A replacement for the policy application

If a health policy requires notice of claim, what is the insured generally expected to do?

Tell the insurer about a covered loss within the required time period

Submit complete written proof of the loss within the required time period

File a lawsuit against the insurer if the claim is not paid within the period

Wait for the insurer to send claim forms before reporting the loss

What is a common reason an insurer may deny a health claim?

The claimed expense is excluded or not covered by the policy

The insured submitted the claim on time

The deductible had already been met and all conditions were satisfied

The policy was active and the service was covered

What does coordination of benefits help prevent in group health coverage?

Duplicate benefit payments that exceed covered expenses

Claims being denied under a preexisting condition limitation

The secondary plan from paying any portion of the claim

Dependents from being covered under more than one plan

What is subrogation in health insurance?

The insurer's right to recover from a responsible third party after paying a covered claim

The insured's right to recover from the insurer after a third party refuses payment

The insurer's right to reduce benefits when another plan has already paid part of a claim

The insurer's right to transfer a claim to a reinsurer once policy limits are exhausted

What is utilization review designed to evaluate?

Whether healthcare services are medically necessary and appropriate under plan rules

Whether a provider's billed charges fall within usual, customary, and reasonable limits

Whether an applicant's health history makes the risk acceptable for coverage

Whether a claimant has submitted timely notice and complete proof of loss

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

100% Free - No Registration Required

North Dakota Health Insurance Practice Exam Free - 2026

The North Dakota Insurance Department licenses producers across the state. Use these free practice tests with explanations to master the exam content before you schedule. Access 300+ free Health Insurance questions with detailed explanations.

Exam quick facts. The North Dakota Health Insurance exam: 110 questions in 150 minutes; passing score 70%; exam fee $64; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

Unlimited Practice

North Dakota Specific

How the North Dakota Health Insurance exam compares

The North Dakota Health exam is 110 questions, 150 minutes, a 70% cut score. The examination fee is $64.

North Dakota 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 North Dakota Insurance Department Candidate Information Bulletin (PSI, 12/27/2024, hosted by insurance.nd.gov) 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 North Dakota selection

North Dakota Health Exam Info

Vendor: PSI
Questions: Accident and Health (Product and Laws): 110 items; 5-10 unscored pretest items may be added
Time limit: 150 minutes
Passing: 70% (77 correct of 110)
Exam fee: $64
Prelicensing: None listed. The bulletin's licensing requirements contain no prelicensing education requirement (only product-specific training for LTC - 8 hrs - and annuity sales, which apply after/for those products, not for exam eligibility).

Verified July 2026 from the North Dakota Insurance Department Candidate Information Bulletin (PSI, 12/27/2024, hosted by insurance.nd.gov). Always confirm with the current official candidate handbook.

North Dakota Insurance Department

More North Dakota 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.

North Dakota 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 North Dakota 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 North Dakota

Prepare for multiple insurance licenses in North Dakota

Life Insurance

North Dakota Exam

Property & Casualty

North Dakota Exam

Health Insurance Exams in Nearby States

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

Montana

South Dakota

Minnesota

Official North Dakota Insurance Resources

Important external links for North Dakota insurance licensing information

North Dakota Insurance Department

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 North Dakota Health Insurance exam preparation today.

Learn more about exam preparation:

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

North Dakota Health Insurance Practice Exam Free - 2026

How the North Dakota Health Insurance exam compares

Choose Your Practice Mode

North Dakota Health Insurance Exam Topics

Free North Dakota Health Practice Questions with Answers

Question 1: What is an exclusion rider sometimes used for in individual health insurance?

Question 2: What is the purpose of a preexisting condition limitation?

Question 3: What does proof of loss usually mean in a health insurance claim?

Question 4: If a health policy requires notice of claim, what is the insured generally expected to do?

Question 5: What is a common reason an insurer may deny a health claim?

Question 6: What does coordination of benefits help prevent in group health coverage?

Question 7: What is subrogation in health insurance?

Question 8: What is utilization review designed to evaluate?

Question 9: What is a waiver of premium rider in a disability or health-related policy designed to do?

Question 10: What is the main purpose of a guaranteed insurability rider?

Question 11: Which policy is designed to pay a specified benefit when the insured is diagnosed with a covered serious illness?

Question 12: What does a hospital indemnity policy typically pay?

Frequently Asked Questions

How many questions are on the North Dakota Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the North Dakota insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in North Dakota

Health Insurance Exams in Nearby States

Official North Dakota Insurance Resources

Ready to Start Practicing?

Health practice tests by state