Insurance License Exam Sample Questions


Below you’ll find a sample of practice test questions that are structured similarly to what you’re likely to see on your state licensing exam. While practice questions can help you learn a point or two for your exam, they are not meant as a substitute for a comprehensive pre-licensing course; rather, they should be used to familiarize yourself with the insurance exam question format.


Note: Memorization of practice insurance exam questions is not a substitute for the comprehensive, in-depth knowledge you’ll need to pass your insurance licensing exam!


America’s Professor offers a range of insurance pre-licensing courses, including property & casualty, life, health, accident & sickness, and others, all structured according to the requirements of your state.


Whether you want to become a Property & Casualty insurance producer, a Life & Health insurance producer, or an agent authorized to sell one product exclusively (such as auto insurance or Medicare supplements) our courses provide the broad foundational knowledge you’ll need to pass your exam. In all states those who discuss insurance transactions (e.g., sales quotes, solicitations, inducements, preliminary negotiations, effectuation of an insurance contract, etc.), such as customer service representatives (CSRs), must be licensed. Be sure to get your license before doing any previously mentioned insurance processes.


Studying Insurance Practice Exams Alone Isn’t Enough


Our courses provide you with all the information you’ll need to pass your test the first time. There is no way to predict exactly what questions will be on the test—there are no specific “kinds” of questions to master.


Why? Because insurance licensing exams are typically written by third-party companies that have an incentive to make the exams as difficult and tricky as possible—the more times you take the test, the more money they make.


This is why it’s so critical to take a comprehensive pre-licensing insurance course, like those offered by America’s Professor, so that you’re completely prepared for any and all insurance test questions you might encounter on your state exam.
Studying the practice test questions alone is not enough—you need the comprehensive information our courses provide.


Don’t let them throw you a curveballenroll in a course today, and then use our video lectures and insurance practice test questions to solidify your knowledge.


What kind of questions do they put on the insurance license exam?


All of the insurance exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.


A multiple choice test will usually test heavily on definitions (terminology) and numbers (dollar amounts and number of days).


The exam is drawn from a large pool of questions, delivered one at a time. If you retake the exam, expect to see very few of the questions repeated on the next exam. The content areas will be covered just as consistently but the questions will most likely be different or different variations. This is why it’s so crucial to know the items covered on the Test Content Outline (TCO) so well. Be prepared for misleading tricky questions especially with those that have “except” at the end!


Students report that about 1/3 of the exam questions are terminology questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation (story problems – usually short). Be on the lookout for additional information in the questions that’s only there to throw you off.


Here is a sample of a few simple questions:

  1. The deductible does each of these EXCEPT:
    1. reduce loss costs.
    2. lower premium costs.
    3. indemnify the insured.
    4. excludes payment for small claims.
  2. The Other Insurance Clause:
    1. prohibits other insurance on the same property.
    2. upholds the principle of indemnity.
    3. allows coverage for catastrophic losses.
    4. allows more than one person to be insured under the policy.
  3. Chance of a windstorm causing a loss to one’s property is:
    1. risk
    2. uninsurable
    3. hazard
    4. peril
  4. Each of the following involves pure risk EXCEPT:
    1. bodily injury
    2. drought
    3. loss in the stock market
    4. flood

Answers: 1. c, 2. b, 3. a, 4. c.




What America’s Professor FULL Pre-Licensing Courses Include:


  • Detailed videos: Our in-depth, engaging content is accessible 24/7 on any device.
  • Free shipped textbook: To reinforce your online learning and take notes.
  • 45-day subscription: With additional time at no charge, until you pass.
  • Sample questions and practice quizzes: Practice makes perfect to help you pass your exam on the
    first try.

Becoming a licensed insurance agent has never been easier with the professional insurance exam prep courses with practice tests offered by America’s Professor!
Enroll in a course today!


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