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Free Oregon Producer's Examination for Health Insurance Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Oregon Producer's Examination for Health Insurance practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1Which applicant generally must pass Oregon's producer examination?

    1. A. An individual applying for a resident producer license
    2. B. A business entity adding a responsible producer
    3. C. A nonresident already licensed in a reciprocal home state
    4. D. An insurer seeking a certificate of authority

    Answer: A

    Explanation: ORS 744.058(1) says "An individual applying for a resident insurance producer license must pass a written examination" unless exempt.

    Reference: Oregon Revised Statutes — ORS 744.053

  2. 2A health insurer declines an application partly because of a consumer report. To whom must it direct the FCRA adverse-action notice for that decision?

    1. A. To the consumer reporting agency that prepared the report.
    2. B. To the consumer affected by the underwriting decision.
    3. C. To the producer who submitted the consumer application.
    4. D. To the insurance regulator supervising the insurer.

    Answer: B

    Explanation: "requires you to provide a notice of the adverse action to the consumer" The FCRA duty is to the affected consumer. The agency, producer, and regulator may be involved in other insurance or reporting processes, but are not this notice recipient.

    Reference: Federal Trade Commission, Consumer Reports: What Insurers Need to Know — FTC Consumer Reports: What Insurers Need to Know, Adverse Action

  3. 3A clinic's slippery entrance raises the chance that a visiting patient will be injured; the fall itself causes the injury. How are the slippery entrance and fall classified?

    1. A. The entrance is a peril; the fall is a hazard.
    2. B. The entrance is a hazard; the fall is a peril.
    3. C. The entrance is a loss; the fall is a risk.
    4. D. The entrance is a risk; the fall is a loss.

    Answer: B

    Explanation: "Hazard - circumstance which tends to increase the probability or severity of a loss" "Peril - the cause of property damage or personal injury" NAIC defines the slippery condition as a hazard; the fall is the immediate injury-causing peril. The other pairs exchange those roles or confuse cause with outcome.

    Reference: NAIC Glossary of Insurance Terms — NAIC glossary, Hazard

  4. 4A client wants broad insured coverage for hospital treatment, physician services, and surgery rather than one narrowly defined benefit. Which product category best matches the request?

    1. A. Comprehensive major medical coverage.
    2. B. Dental-only expense coverage.
    3. C. Accident-only expense coverage.
    4. D. Hospital-indemnity fixed benefits.

    Answer: A

    Explanation: "coverage for hospital, medical, and surgical expenses" NAIC describes comprehensive major medical as covering all three expense classes; the alternatives address narrower expense or fixed-benefit categories.

    Reference: NAIC Glossary of Insurance Terms — NAIC glossary, Comprehensive/Major Medical

  5. 5After how long does Oregon's individual health policy incontestability rule generally restrict defenses based on application misstatements?

    1. A. Two years
    2. B. One year
    3. C. Three years
    4. D. Five years

    Answer: A

    Explanation: ORS 743.414(1) begins its restriction "After two years from the date of issue of this policy," subject to the provision's exceptions.

    Reference: Oregon Revised Statutes — ORS 743.414(1)

  6. 6A self-employed worker cannot work for several months because of a covered illness and needs to replace part of foregone earnings. Which coverage directly addresses that loss?

    1. A. Medical-expense coverage for treatment charges.
    2. B. Disability-income coverage for lost earnings.
    3. C. Accident-only coverage for injury charges.
    4. D. Long-term-care coverage for assistance needs.

    Answer: B

    Explanation: "a portion of the income they lose because of a disabling injury or illness" NAIC defines disability income by partial replacement of earnings lost because of disabling illness or injury; the other coverages respond to different losses.

    Reference: NAIC Glossary of Insurance Terms — NAIC glossary, Disability Income

  7. 7When does Oregon family health coverage begin for a newborn child?

    1. A. From the moment of birth
    2. B. After 14 days
    3. C. After 31 days
    4. D. At the next renewal

    Answer: A

    Explanation: ORS 743A.090(1)(a)(A) requires benefits for "a child of the insured from the moment of birth."

    Reference: Oregon Revised Statutes — ORS 743A.090(1)(a)(A)

  8. 8A producer assessing whether a prospective Oregon MEWA group meets ORS 750.307 should look for at least how many employers?

    1. A. Five
    2. B. Two
    3. C. Ten
    4. D. Twenty

    Answer: A

    Explanation: ORS 750.307(1) states, "The association or group must be composed of five or more employers" in the same or closely related trade or industry. This is a producer-facing eligibility judgment within the official MEWA topic.

    Reference: Oregon Revised Statutes — ORS 750.085

  9. 9How many hours must Oregon's one-time long-term care producer course provide?

    1. A. 8 hours
    2. B. 4 hours
    3. C. 12 hours
    4. D. 24 hours

    Answer: A

    Explanation: ORS 744.088(1)(a) requires "a one-time training course of not less than eight hours" before long-term care sales activity.

    Reference: Oregon Revised Statutes — ORS 744.087

  10. 10A wage earner pays eligible medical-insurance premiums after tax, itemizes deductions, and has no Marketplace premium-tax-credit claim. Which federal income-tax treatment generally applies?

    1. A. Schedule A medical expense, subject to the adjusted-gross-income floor.
    2. B. Self-employed health-insurance deduction above the adjusted-gross-income line.
    3. C. Marketplace premium tax credit for qualified exchange coverage.
    4. D. Exclusion from wages for employer-paid group health coverage.

    Answer: A

    Explanation: "You can include in medical expenses insurance premiums you pay for policies that cover medical care." IRS Publication 502 also states, "You can deduct on Schedule A (Form 1040) only the part of your medical and dental expenses that is more than 7.5% of your adjusted gross income (AGI)." Thus a wage earner who paid after tax may include eligible premiums subject to that itemized AGI threshold; the other treatments have different prerequisites.

    Reference: Internal Revenue Service, Publication 502 — IRS Publication 502, Insurance Premiums

Topics in this practice bank

These topics describe the available practice for Oregon Producer's Examination for Health Insurance. Review the examination outline and its sources for scope and allocation details.

  • Insurance Regulation
    • Licensing
    • Licensing > Purpose
    • Licensing > Process (ORS 744.058, .059, .062)
    • Licensing > Types of licensees
    • Licensing > Types of licensees > Producers (ORS 744.052, .053, 731.104)
    • Licensing > Types of licensees > Consultants (ORS 744.605, .609, .626; OAR 836-071-0150)
    • Licensing > Types of licensees > Adjusters (ORS 744.531)
    • Licensing > Types of licensees > Nonresidents (ORS 744.063)
    • Licensing > Types of licensees > Temporary (ORS 744.073)
    • Licensing > Maintenance and duration
    • Licensing > Maintenance and duration > Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146)
    • Licensing > Maintenance and duration > Continuing education requirements (ORS 744.072(4); OAR 836-071-0215 to 0250)
    • Licensing > Maintenance and duration > Reinstatement (ORS 744.018, .072(6))
    • Licensing > Maintenance and duration > Assumed business name (ORS 744.028(2),.068)
    • Licensing > Maintenance and duration > Change of address or telephone number (ORS 744.068)
    • Licensing > Maintenance and duration > Reporting of actions (ORS 744.089(1), (2))
    • Licensing > Maintenance and duration > Suitability (OAR 836-080-0090; OAR 836-080-0170 to 0190)
    • Licensing > Maintenance and duration > Replacement (OAR 836-080-0001 to 0043)
    • Licensing > Disciplinary actions
    • Licensing > Disciplinary actions > Cease and desist orders (ORS 731.252)
    • Licensing > Disciplinary actions > License probation, suspension, revocation or refusal to issue or renew (ORS 744.074)
    • Licensing > Disciplinary actions > Civil penalty (ORS 731.988)
    • Licensing > Disciplinary actions > Criminal penalty (ORS 731.992)
    • State regulation
    • State regulation > Director's enforcement authority (ORS 731.256)
    • State regulation > Director's enforcement authority (ORS 731.256) > Director's inquiries (ORS 731.296)
    • State regulation > Company regulation
    • State regulation > Company regulation > Producer appointment (ORS 744.078)
    • State regulation > Company regulation > Termination of appointment (ORS 744.079,.081)
    • State regulation > Company regulation > Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Fiduciary and trust account responsibilities (ORS 744.083; OAR 836-074-0020 to 0050)
    • State regulation > Producer regulation > Place of business/records maintenance(ORS 744.068)
    • State regulation > Producer regulation > Controlled business (ORS 746.065, .160)
    • State regulation > Producer regulation > Commissions (ORS 744.076, .077;OAR 836-071-0269–0277)
    • State regulation > Producer regulation > Fees (ORS 744.076, .077; OAR 836-071-0260 to 0277)
    • State regulation > Unfair trade practices
    • State regulation > Unfair trade practices > Misrepresentation (ORS 746.075, .100)
    • State regulation > Unfair trade practices > False advertising (ORS 746.110; OAR 836-080-0155)
    • State regulation > Unfair trade practices > Rebating (ORS 746.045)
    • State regulation > Unfair trade practices > Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030)
    • State regulation > Unfair trade practices > Illegal inducement (ORS 746.035)
    • State regulation > Examination of records (ORS 744.068(2, 3))
    • State regulation > Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080-0551)
  • Federal Laws and Regulations
    • Fair Credit Reporting Act - Purpose
    • Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
    • Privacy [Gramm Leach Bliley]
    • Affordable Care Act (ACA)
    • National Do Not Call List
    • CAN-SPAM Act
  • General Insurance Concepts
    • Risk
    • Risk > Definitions (risk, hazard, peril, loss)
    • Risk > Methods of handling risk (e.g., avoidance, retention, sharing, reduction, transfer)
    • Risk > Elements of insurable risks
    • Authority and powers of producer
    • Authority and powers of producer > Express
    • Authority and powers of producer > Implied
    • Authority and powers of producer > Apparent
    • Authority and powers of producer > The Law of Agency
    • Elements of a contract
    • Elements of a contract > Offer
    • Elements of a contract > Acceptance
    • Elements of a contract > Consideration
    • Elements of a contract > Competent parties
    • Elements of a contract > Legal purpose
    • Legal interpretations affecting contracts
    • Legal interpretations affecting contracts > Reasonable expectations
    • Legal interpretations affecting contracts > Indemnity
    • Legal interpretations affecting contracts > Good faith
    • Legal interpretations affecting contracts > Warranties, representations, misrepresentations, and concealment
    • Legal interpretations affecting contracts > Fraud
  • Accident and Health Insurance
    • Types of products and benefits
    • Types of products and benefits > Medical and surgical (ORS 743B.005)
    • Types of products and benefits > Dental (ORS 731.162, 743B.005)
    • Types of products and benefits > Long-term care (ORS 743B.005, 743.650, OAR 836-052-0516)
    • Types of products and benefits > Short-term care (ORS 743.652(5))
    • Types of products and benefits > Medicare supplements (ORS 743.680, OAR 836-052-0103)
    • Types of products and benefits > Accident (ORS 743B.005)
    • Types of products and benefits > Disability
    • Types of products and benefits > Student health (ORS 743.550)
    • Types of products and benefits > Blanket (ORS 743.536)
    • Types of products and benefits > Vision
    • Types of health insurance policies
    • Types of health insurance policies > TRICARE (ORS 743B.005)
    • Marketing requirements
    • Marketing requirements > Advertising (OAR 836-020-0200–0305)
    • Marketing requirements > Oregon Life and Health Insurance Guaranty Association (ORS 734.750–.890)
    • Marketing requirements > Outline of coverage (OAR 836-020-0305)
    • Field underwriting
    • Field underwriting > Disclosures and privacy
    • Field underwriting > Application procedures
    • Policy delivery
    • Policy delivery > Effective date of coverage
    • Policy delivery > Policy review
    • Policy delivery > Premium collection methods (e.g., electronic, physical, EFT, ACH)
    • Policy delivery > Statement of good health
    • Definitions of perils
    • Definitions of perils > Accidental injury
    • Definitions of perils > Sickness
    • Types of losses and benefits
    • Types of losses and benefits > Loss of income from disability (short-term/long-term disability)
    • Types of losses and benefits > Medical expense
    • Types of losses and benefits > Long-term care expense
    • Classification of risks
    • Classification of risks > Preferred
    • Classification of risks > Standard
    • Classification of risks > Substandard
    • Underwriting requirements (varies by insurer)
    • Sources of underwriting
    • Sources of underwriting > Application
    • Sources of underwriting > Producer's report
    • Sources of underwriting > Medical information bureau (MIB)
    • Sources of underwriting > Inspection report
    • Sources of underwriting > Medical examination
    • Sources of underwriting > Attending physician's report
  • Individual Accident and Health Insurance Policy Provisions
    • Uniform required provisions
    • Uniform required provisions > Incontestability (ORS 743.414, .472)
    • Uniform required provisions > Grace period (ORS 743.417)
    • Uniform required provisions > Reinstatement (ORS 743.420)
    • Uniform required provisions > Time limit on certain defenses
    • Uniform required provisions > Claim forms
    • Uniform required provisions > Proof of loss
    • Uniform required provisions > Time of payment of claims
    • Uniform required provisions > Physical examinations and autopsy
    • Uniform required provisions > Legal actions
    • Uniform required provisions > Entire contract
    • Uniform required provisions > Payment of claims
    • Uniform required provisions > Change of beneficiary
    • Uniform required provisions > Notice of claim
    • Uniform optional provisions
    • Uniform optional provisions > Change of occupation (ORS 743.450)
    • Uniform optional provisions > Misstatement of age/sex (ORS 743.453, .489)
    • Uniform optional provisions > Illegal occupation
    • Uniform optional provisions > Intoxicants, narcotics, or other controlled substances
    • Other general provisions
    • Other general provisions > Right to examine /free look (ORS 743.492)
    • Other general provisions > Consideration clause
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5))
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5)) > Noncancelable
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5)) > Guaranteed renewable
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5)) > Conditionally renewable
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5)) > Renewable at option of insurer
    • Other general provisions > Renewability clause (ORS 743.495, .498, 743B.125(5)) > Nonrenewable (cancelable, term)
    • Other general provisions > Cancellation (ORS 743.472, 743B.125(6))
    • Other general provisions > Insuring clause
    • Other general provisions > Coinsurance
    • Other general provisions > Probationary period
    • Other general provisions > Elimination period
    • Other general provisions > Exclusions
  • Disability Income and Related Insurance
    • Benefits determination for disability
    • Benefits determination for disability > Indemnity
    • Benefits determination for disability > Loss of income
    • Qualifications of disability
    • Qualifications of disability > Total (own occupation, any occupation)
    • Qualifications of disability > Partial
    • Qualifications of disability > Permanent
    • Qualifications of disability > Presumptive
    • Qualifications of disability > Recurrent
    • Qualifications of disability > Residual
    • Qualifications of disability > Inability to perform duties
    • Qualifications of disability > Occupational versus non-occupational
    • Individual disability income insurance
    • Individual disability income insurance > Basic Total Disability Plan
    • Individual disability income insurance > Cost of Living Rider
    • Individual disability income insurance > Future Increase Option Rider
    • Individual disability income insurance > Change of Occupation
    • Individual disability income insurance > Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
    • Individual disability income insurance > Refund Provisions
    • Individual disability income insurance > Exclusions
    • Individual disability income insurance > Waiver of Premium
    • Individual disability income insurance > Probationary Period
    • Individual disability income insurance > Elimination Period
    • Individual disability income insurance > Benefit Limits
    • Unique aspects of individual disability underwriting
    • Unique aspects of individual disability underwriting > Occupational considerations
    • Unique aspects of individual disability underwriting > Benefit limits
    • Unique aspects of individual disability underwriting > Policy issuance alternatives
    • Group disability income insurance
    • Group disability income insurance > Short-term disability
    • Group disability income insurance > Long-term disability
    • Group disability income insurance > Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
    • Group disability income insurance > At-work benefits
    • Business disability insurance
    • Business disability insurance > Key employee disability income
    • Business disability insurance > Disability buy-sell policy
    • Business disability insurance > Business overhead expense
    • Social Security disability income
    • Social Security disability income > Qualification for disability benefits
    • Social Security disability income > Definition of disability
    • Social Security disability income > Waiting period
  • Medical Plans
    • Medical plan concepts
    • Medical plan concepts > Fee-for-service
    • Medical plan concepts > Prepaid
    • Medical plan concepts > Specified disease/dread disease insurance
    • Medical plan concepts > Comprehensive coverage
    • Medical plan concepts > Dependent coverage
    • Provisions and clauses
    • Provisions and clauses > Deductibles
    • Provisions and clauses > Stop-loss provision
    • Provisions and clauses > Impairment rider
    • Types of medical plans
    • Types of medical plans > Major medical insurance
    • Types of medical plans > Health maintenance organizations (HMOs)
    • Types of medical plans > Preferred provider organizations (PPOs)
    • Types of medical plans > Point-of-service (POS) plans
    • Oregon requirements (individual and group)
    • Oregon requirements (individual and group) > Eligibility requirements
    • Oregon requirements (individual and group) > Eligibility requirements > Newborn child coverage (ORS 743A.090)
    • Oregon requirements (individual and group) > Eligibility requirements > Dependent child age limit (ORS 743A.090)
    • Oregon requirements (individual and group) > Eligibility requirements > Coverage for adopted children (ORS 743A.090)
    • Cost containment in health care delivery
    • Cost containment in health care delivery > Managed care
    • Cost containment in health care delivery > Preventive care
    • Cost containment in health care delivery > Outpatient benefits
    • Cost containment in health care delivery > Utilization management
    • Cost containment in health care delivery > Preauthorization
    • Cost containment in health care delivery > Primary care physician
    • Limited health insurance policies
    • Limited health insurance policies > Accidental death and dismemberment
    • Limited health insurance policies > Hospital indemnity
    • Limited health insurance policies > Critical illness/dread disease
    • Limited health insurance policies > Vision care
    • Limited health insurance policies > Hearing
    • Limited health insurance policies > Dental
    • Affordable Care Act (ACA)
    • Affordable Care Act (ACA) > Eligibility
    • Affordable Care Act (ACA) > Dependent coverage
    • Affordable Care Act (ACA) > Essential Health Benefits
    • Affordable Care Act (ACA) > Levels of Coverage (Metallic plans)
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace > Definition
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace > Medicaid
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace > Medicaid > Eligibility
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace > Medicaid > Benefits
    • Affordable Care Act (ACA) > Oregon's Health Insurance Exchange/Marketplace > Subsidies/Tax Credits
    • Health Insurance Portability and Accountability Act (HIPAA)
    • Health Insurance Portability and Accountability Act (HIPAA) > Eligibility requirements
    • Health Insurance Portability and Accountability Act (HIPAA) > Terms
    • Health Insurance Portability and Accountability Act (HIPAA) > Privacy
    • Health Insurance Portability and Accountability Act (HIPAA) > Portability
  • Group Health Insurance
    • Characteristics of group health insurance
    • Characteristics of group health insurance > Group contract
    • Characteristics of group health insurance > Certificate of coverage
    • Characteristics of group health insurance > Eligible groups
    • Characteristics of group health insurance > Contributory versus non-contributory
    • Purpose of group insurance (ORS 743B.003(1) -(8))
    • Purpose of group insurance (ORS 743B.003(1) -(8)) > Issuance of group contract (ORS 743B.010)
    • Purpose of group insurance (ORS 743B.003(1) -(8)) > Provisions of coverage (ORS 743B.011)
    • Types of eligible groups
    • Types of eligible groups > Employment-related groups (ORS 743B.010)
    • Types of eligible groups > Employment-related groups (ORS 743B.010) > Multiple-Employer Trusts (METs) or Welfare Arrangements (MEWAs) (ORS 750.301)
    • Employer group health insurance
    • Employer group health insurance > Insurer underwriting criteria
    • Employer group health insurance > Eligibility for insurance (ORS 743B.105(4), (5))
    • Employer group health insurance > Coordination of benefits (OAR 836-020-0770–0806)
    • Employer group health insurance > Coordination of benefits (OAR 836-020-0770–0806) > Continuation of coverage under COBRA and Oregon rules (ORS 743B.347; OAR 836-052-0860)
    • Employer group health insurance > Coordination of benefits (OAR 836-020-0770–0806) > Conversion of coverage (ORS 743B.343 - .345)
    • Employer group health insurance > Open enrollment
    • Employer group health insurance > Probation/waiting period
    • COBRA
    • COBRA > Eligibility
    • COBRA > Duration of coverage
    • COBRA > Premium
    • Small employer medical plans
    • Small employer medical plans > Definition of small employer (ORS 743B.005 )
    • Small employer medical plans > Definition of small employer (ORS 743B.005 ) > Requirements of small employer (ORS 742.360)
    • Small employer medical plans > Basic coverage (ORS 743B.005, 743B.012)
    • Small employer medical plans > Availability of coverage (ORS 743B.104)
    • Small employer medical plans > Renewability of coverage (ORS 743B.013 (5))
    • Small employer medical plans > Participation requirements (ORS 743B.013(7))
    • Small employer medical plans > Purchase policy through exchange/marketplace (ORS 743B.010)
  • Specialized Health Insurance for Qualified Individuals
    • Medicare
    • Medicare > Eligibility
    • Medicare > Part A
    • Medicare > Part B
    • Medicare > Part C
    • Medicare > Part D
    • Medicare supplements insurance
    • Medicare supplements insurance > Purpose (OAR 836-052-0103)
    • Medicare supplements insurance > Enrollment Periods (OAR 836-052-0138)
    • Medicare supplements insurance > Standardized Plan Benefits
    • Medicare supplements insurance > Standardized Plan Benefits > Core benefits (OAR 836-052-0133)
    • Medicare supplements insurance > Standardized Plan Benefits > Additional benefits
    • Medicare supplements insurance > Oregon regulations and required provisions
    • Medicare supplements insurance > Oregon regulations and required provisions > Standards for marketing (OAR 836-052-0175)
    • Medicare supplements insurance > Oregon regulations and required provisions > Advertising (ORS 743.687; OAR 836-052-0170)
    • Medicare supplements insurance > Oregon regulations and required provisions > Appropriateness of recommended purchase and excessive insurance (OAR 836-052-0180)
    • Medicare supplements insurance > Oregon regulations and required provisions > Right to return (free look) (ORS 743.686)
    • Medicare supplements insurance > Oregon regulations and required provisions > Replacement (ORS 743B.300); OAR 836-052-0165, 0190)
    • Medicare supplements insurance > Oregon regulations and required provisions > Pre-existing conditions (OAR 836-052-0190)
    • Medicare supplements insurance > Oregon regulations and required provisions > Required disclosure provisions (ORS 743.685;OAR 836-052-0160)
    • Medicare supplements insurance > Oregon regulations and required provisions > Outline of coverage (ORS 743.685(2);OAR 836-052-0160, 0190)
    • Medicare supplements insurance > Oregon regulations and required provisions > Buyer's guide (ORS 743.685(6))
    • Medicare supplements insurance > Oregon regulations and required provisions > Permitted compensation (OAR 836-052-0156)
    • Medicare supplements insurance > Medicare SELECT (OAR 836-052-0139)
    • Medicare supplements insurance > Medicaid
    • Medicare supplements insurance > Medicaid > Eligibility
    • Long-Term Care policies
    • Long-Term Care policies > Definitions (ORS 743.650 to .665)
    • Long-Term Care policies > Benefit triggers (ORS 743.652(2))
    • Long-Term Care policies > Eligibility for benefits (activities of daily living) (OAR 836-052-0516(1))
    • Long-Term Care policies > Covered services (OAR 836-052-0596)
    • Long-Term Care policies > Benefit/elimination periods (ORS 743.655(5))
    • Long-Term Care policies > Levels of care (skilled, intermediate, custodial)
    • Long-Term Care policies > Benefit amounts (OAR 836-052-0586)
    • Long-Term Care policies > Optional benefits
    • Long-Term Care policies > Optional benefits > Guarantee of insurability
    • Long-Term Care policies > Optional benefits > Return of premium (ORS 743.652(7)(b)(E))
    • Long-Term Care policies > Qualified LTC plans (OAR 836-052-0531)
    • Long-Term Care policies > Exclusions
    • Long-Term Care policies > Oregon regulations and required provisions
    • Long-Term Care policies > Oregon regulations and required provisions > Training for insurance producers (OAR 836-052-0639)
    • Long-Term Care policies > Oregon regulations and required provisions > Standards for marketing (OAR 836-052-0706)
    • Long-Term Care policies > Oregon regulations and required provisions > Advertising (OAR 836-052-0696)
    • Long-Term Care policies > Oregon regulations and required provisions > Shopper's guide (OAR 836-052-0786)
    • Long-Term Care policies > Oregon regulations and required provisions > Outline of coverage (ORS 743.655(7); OAR 836-052-0776)
    • Long-Term Care policies > Oregon regulations and required provisions > Appropriateness of recommended purchase
    • Long-Term Care policies > Oregon regulations and required provisions > Right to return (free look) (ORS 743.655(6))
    • Long-Term Care policies > Oregon regulations and required provisions > Replacement (OAR 836-052-0626, 0736)
    • Long-Term Care policies > Oregon regulations and required provisions > Renewal provisions
    • Long-Term Care policies > Oregon regulations and required provisions > Continuation or conversion
    • Long-Term Care policies > Oregon regulations and required provisions > Required disclosure provisions (OAR 836-052-0716)
    • Long-Term Care policies > Oregon regulations and required provisions > Inflation protection (OAR 836-052-0616)
    • Long-Term Care policies > Oregon regulations and required provisions > Pre-existing conditions (ORS 743.655(3); 743(b).005(21))
    • Long-Term Care policies > Oregon regulations and required provisions > Protection against unintentional lapse (OAR 836-052-0536(a)(b); 836-052-0740(7))
    • Long-Term Care policies > Oregon regulations and required provisions > Partnership provisions (OAR 836-052-0531)
    • Long-Term Care policies > Oregon regulations and required provisions > Prohibited provisions
  • Federal Tax Considerations for Health Insurance
    • Health insurance premiums and benefits
    • Health insurance premiums and benefits > Individual
    • Health insurance premiums and benefits > Group
    • Health insurance premiums and benefits > Disability income (individual and group)
    • Health insurance premiums and benefits > Business disability insurance
    • Consumer-driven health plans
    • Consumer-driven health plans > Health savings accounts (HSAs)
    • Consumer-driven health plans > Health savings accounts (HSAs) > High deductible health plans (HDHPs)
    • Consumer-driven health plans > Health reimbursement accounts (HRAs)
    • Consumer-driven health plans > Flexible spending accounts (FSAs)

How to use these free practice questions

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These are independent study questions, not actual examination items. For examination requirements and official information, view Oregon Producer's Examination for Health Insurance details.