Free Montana Life, Accident & Health Exam Practice Test
Montana does not sell a single Life, Accident & Health licensing exam (No combined LAH exam; taken as separate Life and Disability exams). This practice test combines the life, accident & health topics with Montana insurance law so you can prepare for the exams you will actually take.
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Practice questions
Topics covered on the Life, Accident & Health exam
Insurance Regulation
117 practice questions · Elected regulator, Regulatory office, Dual office, Statutory location, …
General Insurance Concepts
61 practice questions · Moral hazard, Morale hazard, Risk avoidance, Contract elements, …
Life Accident and Health Insurance Basics
102 practice questions · Warranty, Apparent authority, Mortality table, Premium components, …
Types of Life Insurance Policies
58 practice questions · Group life, Credit insurance, Viaticals, Term life, …
Life Policy Provisions Options and Riders
104 practice questions · Policy loan, Interest-only option, Life income option, Accelerated death benefit, …
Annuities
67 practice questions · Immediate annuity, Single premium, Surrender charge, Annuitant, …
Individual Accident and Health Provisions
75 practice questions · Notice of claim, Claim forms, Payment of claims, Intoxicants and narcotics, …
Disability Income Insurance
33 practice questions · Purpose, Elimination period, Benefit period, Definition of disability, …
Medical Plans
50 practice questions · Point-of-service plan, Formulary, Precertification, Usual customary reasonable, …
Group Health Insurance
41 practice questions · Coordination of benefits, Group conversion, Reduced hours, Disabled dependents, …
Dental Insurance
14 practice questions · Categories, Plan types, Comprehensive plan, Orthodontic coverage, …
Senior and Special Needs
93 practice questions · Medicare eligibility, Medigap standardization, Long-term care elimination period, Inflation protection, …
Federal Tax Considerations
44 practice questions · Life insurance, Annuities, Premium deductibility, Policy dividends, …
Practice Test: Life, Accident & Health
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
