OpenExamsFREE PRACTICE — ANY EXAM

Free NV Accident and Health Practice Questions

134 free questions · Answer explanations · No signup required

View examination details, outline and sources

Loading selected examination banks…

Sample Practice Questions

Try these 10 sample questions from the NV Accident and Health practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A self-employed consultant wants a policy that replaces part of her personal earnings if illness prevents her from working. Which policy directly addresses that need?

    1. A. Individual disability income insurance
    2. B. Business overhead expense insurance
    3. C. Key employee disability insurance
    4. D. Accidental death and dismemberment insurance

    Answer: A

    Explanation: Nevada's insurance division explains that short-term disability coverage will "replace a portion of the policyholder's salary" following disability. Her goal is personal income replacement, so an individual disability income policy fits; overhead and key employee coverage address business losses, while AD&D responds to accidental death or specified losses.

    Reference: Nevada Division of Insurance: Disability Insurance — Disability Insurance, introductory paragraphs

  2. 2A Nevada health insurance agent writes a change in the policy's benefits after issue. No executive officer approves it, and nothing is endorsed on or attached to the policy. Is the change valid?

    1. A. Yes, once the agent signs the revised policy text.
    2. B. Yes, once the policyholder initials the revised text.
    3. C. No, the change lacks required officer approval and endorsement.
    4. D. No, unless the insurer first pays a claim under the new terms.

    Answer: C

    Explanation: NRS 689A.050 states, "No agent has authority to change this policy or to waive any of its provisions." It also requires executive-officer approval endorsed on or attached to the policy. The agent's unapproved, unattached change is ineffective; policyholder initials alone do not supply the required insurer approval.

    Reference: Nevada Revised Statutes Chapter 689A — NRS 689A.050, Entire Contract; Changes

  3. 3A client enrolled in Original Medicare asks which Medicare part generally helps cover an inpatient hospital stay and skilled nursing facility care. Which part should the producer identify?

    1. A. Part A hospital insurance
    2. B. Part B medical insurance
    3. C. Part C Medicare Advantage
    4. D. Part D drug coverage

    Answer: A

    Explanation: Medicare.gov states, "Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care." The client asks about Original Medicare's hospital component, so Part A is the applicable part; B covers medical services, C is the private-plan alternative, and D concerns drugs.

    Reference: Medicare.gov: Parts of Medicare — Parts of Medicare, Part A (Hospital Insurance)

  4. 4After a disabling illness, an insured returns to work part time and earns less because she cannot perform all prior duties. Which disability policy benefit is meant to fill that income gap?

    1. A. Waiver of premium benefit
    2. B. Future increase option
    3. C. Residual disability benefit
    4. D. Cost-of-living adjustment

    Answer: C

    Explanation: Nevada's insurance division says a "Residual Benefit(s)" provision fills an income gap when a person is partially disabled and income falls because job responsibilities cannot all be performed. The facts test reduced earnings after partial return to work, not premium waiver or inflation protection.

    Reference: Nevada Division of Insurance: Disability Insurance — Comparing Disability Policies, Residual Benefit(s)

  5. 5A Nevada producer finds an inaccurate medical answer in a signed health insurance application and wants to change the written answer before submission. What must happen before someone other than the applicant alters it?

    1. A. The producer must obtain the applicant's written consent to the alteration.
    2. B. The producer must obtain only the insurer's verbal consent to the alteration.
    3. C. The producer may initial the change because the answer is medical.
    4. D. The producer may label the changed answer an administrative insertion.

    Answer: A

    Explanation: NRS 687B.090 says no one other than the applicant may alter a written life or health application "without the written consent of the applicant," apart from clearly marked insurer administrative insertions. Correcting the applicant's medical answer is not merely an administrative insertion.

    Reference: Nevada Revised Statutes Chapter 687B — NRS 687B.090, Alteration of application

  6. 6A Nevada producer receives an insurance-related order from the Commissioner. Which official is charged with administering the Nevada Insurance Code?

    1. A. The Commissioner of Insurance
    2. B. The Attorney General
    3. C. The State Treasurer
    4. D. The Secretary of State

    Answer: A

    Explanation: NRS 679B.120 directs the Commissioner to "Enforce the provisions of this Code" as part of the office's Code-administration authority.

    Reference: NRS: CHAPTER 679B - COMMISSIONER OF INSURANCE — NRS 679B.120(3)

  7. 7Under Nevada's credit accident-and-health rule, the total periodic disability indemnity generally may not exceed which measure?

    1. A. The aggregate periodic scheduled unpaid installments of the gross debt
    2. B. The original principal balance before any payments
    3. C. The debtor's unused revolving-credit limit
    4. D. The total premiums charged for the coverage

    Answer: A

    Explanation: NRS 690A.050 provides that periodic indemnity "must not exceed the aggregate of the periodic scheduled unpaid installments of the gross debt."

    Reference: NRS: CHAPTER 690A - CREDIT INSURANCE — NRS 690A.050(1)

  8. 8A Nevada producer explains coverage to a family whose dependent child reaches the limiting age but cannot sustain employment because of an intellectual disability and remains dependent for support. What continuation applies?

    1. A. The child's coverage continues while the statutory conditions continue
    2. B. Coverage terminates automatically at the limiting age
    3. C. The child converts automatically to Medicare Advantage
    4. D. A separate employer group must be formed for the child

    Answer: A

    Explanation: NRS 689B.035 requires that "such coverage shall not terminate" when the child meets the incapacity and dependency conditions. Identifying this policy continuation is a producer-facing coverage judgment, not an employer procedure.

    Reference: NRS: CHAPTER 689B - GROUP AND BLANKET HEALTH INSURANCE — NRS 689B.035(1)

  9. 9A sole proprietor wants disability proceeds to keep paying office rent and staff salaries while she cannot work. Which coverage most directly serves that business need?

    1. A. Key employee disability insurance
    2. B. Business overhead expense insurance
    3. C. Business disability buyout insurance
    4. D. Group disability income insurance

    Answer: B

    Explanation: The NAIC product matrix describes business overhead expense insurance as replacing income or revenue where it paid "business overhead expenses." Rent and payroll are operating overhead, so this product addresses the stated business cash-flow need rather than the owner's personal wages or a transfer of ownership.

    Reference: NAIC Life, Accident and Health Product Coding Matrix, Indiana DOI copy — H11I.001, Business Overhead Expense

  10. 10An individual health policy was issued more than three years ago. A new covered disability starts now, and the insurer finds a nonfraudulent application misstatement. Under Nevada's time-limit provision, may the insurer void the policy for that misstatement?

    1. A. Yes, whenever the statement was material to underwriting.
    2. B. Yes, if the disability begins after the initial policy year.
    3. C. No, the nonfraudulent misstatement is outside the defense period.
    4. D. No, but only if the insurer collected no renewal premium.

    Answer: C

    Explanation: NRS 689A.060 says that after three years "no misstatements, except fraudulent misstatements" may be used to void the policy or deny a later-starting loss. The stipulated statement is nonfraudulent and the disability begins after the three-year period, so this defense is unavailable; fraud remains an exception.

    Reference: Nevada Revised Statutes Chapter 689A — NRS 689A.060(1), Time Limit on Certain Defenses

Topics in this practice bank

These topics describe the available practice for NV Accident and Health. Review the examination outline and its sources for scope and allocation details.

  • Accident and health — General knowledge / I. TYPES OF POLICIES (16 questions)
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • Accident and health — General knowledge / II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 questions)
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • Accident and health — General knowledge / III. SOCIAL INSURANCE (6 questions)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • Accident and health — General knowledge / IV. OTHER INSURANCE CONCEPTS (5 questions)
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
    • L. Cost containment
  • Accident and health — General knowledge / V. FIELD UNDERWRITING PROCEDURES (8 questions)
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • Health — Nevada-specific statutes, rules and regulations / I. NEVADA STATUTES AND CODES COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE…20
    • A. Insurance Commissioner
    • A. Insurance Commissioner / 1. General powers and duties
    • A. Insurance Commissioner / 2. Examinations
    • A. Insurance Commissioner / 3. Notice and hearings, penalties
    • B. Definitions
    • B. Definitions / 1. Insurer
    • B. Definitions / 2. Authorized and unauthorized
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Transacting insurance
    • B. Definitions / 5. Certificate of authority
    • B. Definitions / 6. Premiums
    • B. Definitions / 7. Cost-sharing
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / c. Nonresident
    • C. Licensing / 1. Persons required to be licensed / i. Limited Lines producer
    • C. Licensing / 1. Persons required to be licensed / j. Insurance Consultant
    • C. Licensing / 1. Persons required to be licensed / k. Reinsurance intermediary
    • C. Licensing / 1. Persons required to be licensed / l. Administrator
    • C. Licensing / 1. Persons required to be licensed / m. Exchange Enrollment Facilitator
    • C. Licensing / 2. Obtaining a license
    • C. Licensing / 2. Obtaining a license / a. Insurance company appointment
    • C. Licensing / 2. Obtaining a license / b. License requirements
    • C. Licensing / 3. Termination of license
    • C. Licensing / 3. Termination of license / a. Renewal/Continuing Education
    • C. Licensing / 3. Termination of license / b. Suspension, revocation, and refusal of license
    • C. Licensing / 4. Name of licensee–true, fictitious
    • D. Marketing practices
    • D. Marketing practices / 1. Unfair practices
    • D. Marketing practices / 1. Unfair practices / a. Unfair claims methods and practices; Settlement of claims
    • D. Marketing practices / 1. Unfair practices / b. Rebating - Inducement
    • D. Marketing practices / 1. Unfair practices / c. Twisting
    • D. Marketing practices / 1. Unfair practices / d. Misrepresentation
    • D. Marketing practices / 1. Unfair practices / e. Fraud
    • D. Marketing practices / 1. Unfair practices / f. Unfair discrimination
    • D. Marketing practices / 1. Unfair practices / g. Defamation
    • D. Marketing practices / 2. Fiduciary responsibilities
    • D. Marketing practices / 3. Commissions - payments, acceptance, sharing, prohibitions
    • D. Marketing practices / 4. Required records and record retention
    • D. Marketing practices / 5. Silver State Health Insurance Exchange
    • D. Marketing practices / 6. Affordable Care Act (ACA)
    • E. Nevada Life & Health Insurance Guaranty Association
  • Health — Nevada-specific statutes, rules and regulations / II. NEVADA STATUTES AND CODES COMMON TO LIFE AND HEALTH INSURANCE ONLY (4 questions)
    • A. Credit life and health insurance
    • B. Group life and health insurance
    • B. Group life and health insurance / 1. Eligible groups
    • B. Group life and health insurance / 2. Required provisions
    • C. Advertising
  • Health — Nevada-specific statutes, rules and regulations / III. NEVADA STATUTES AND CODES PERTINENT TO HEALTH INSURANCE ONLY (14 questions)
    • A. Mandatory policy clauses and provisions
    • A. Mandatory policy clauses and provisions / 1. Coverage for physical handicap or intellectual disability for dependent children
    • A. Mandatory policy clauses and provisions / 2. Coverage for newborn children
    • A. Mandatory policy clauses and provisions / 3. Coverage for preventive healthcare services
    • B. Availability of coverage for mental health and treatment of alcohol abuse/drug abuse
    • C. Coverage for reconstructive surgery
    • D. Hospice care
    • E. Medicare
    • E. Medicare / 1. Medicare supplement regulation
    • E. Medicare / 2. Medicare Advantage Plans
    • E. Medicare / 3. Prescription Drug Plan (PDP)
    • F. Long Term Care

How to use these free practice questions

Choose an answer, check the explanation, and review your progress by chapter. Practice questions and explanations are free to access without signing up.

These are independent study questions, not actual examination items. For examination requirements and official information, view NV Accident and Health details.