What Questions Are on an Insurance Exam?


Quick Answer

Insurance licensing exam questions are not made public; however, many questions cover basic facts that involve general knowledge about insurance coverage, and some questions require deductive reasoning skills. A portion of questions are negative, requiring test takers to choose the answer that does not best represent the question.

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Full Answer

Insurance licensing exam questions are typically multiple choice, and half of the test questions consist of factual questions, such as understanding the concept of indemnity. Typically, each question has four possible answers, with one correct answer. Questions that require more thought provide realistic case studies of an insurance claim problem. For instance, a deductive reasoning question may concern a high-risk business that suffers property damage from a fire that erupted from stored flammable materials. When obtaining insurance, this business misrepresented the type of products it sells; therefore, choosing the right answer requires knowing the best course of action to take from the insurer's standpoint.

Negative exam questions may include three answers that support the premise of the question, with one that does not. For instance, a negative question may ask what is not covered in a specific situation. Test takers must read insurance exam questions carefully to fully understand their meaning, and rewording a question is helpful. In most states, a pass rate is within the 70 percent to 75 percent range.

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