NJ HEALTH AND ACCIDENT EXAMINATION
TEST 2026 QUESTIONS WITH DETAILED
ANSWERS GRADED A+
◉ Which may NOT be used in a health insurance advertisement?
Answer: An insurance company's trademark instead of the actual name
◉ What is the NJ small group credible coverage gap maximum?
Answer: 90 days
◉ What is the NJ Life & Health Insurance Guaranty Association?
Answer: Funded by assessments on member companies
◉ What did Medicaid expansion allow states to do? Answer: Receive
matching federal funds to expand public assistance programs
◉ What do Medicare Supplement marketing regulations prevent?
Answer: Replacement of existing coverage
◉ Under NJ Continuance of Benefits Law, when must notice be given?
Answer: 30 days
, ◉ How far in advance must a Branch Office Certificate be filed?
Answer: 30 days beforehand
◉ How long may a temporary producer license be issued for? Answer:
180 days
◉ Who must approve insurance newspaper ads? Answer: Insurer
compliance department
◉ When must a branch office registration form be filed? Answer: 30
days before selling insurance
◉ After passing the exam, when must the license application be made?
Answer: 12 months
◉ How long are pre-licensing course certificates valid? Answer: 2 years
◉ What does a doctor accepting Medicare Assignment agree to?
Answer: Cannot charge more than Medicare's scheduled amount
◉ What is the contestable period for NJ health insurance policies?
Answer: 2 years
TEST 2026 QUESTIONS WITH DETAILED
ANSWERS GRADED A+
◉ Which may NOT be used in a health insurance advertisement?
Answer: An insurance company's trademark instead of the actual name
◉ What is the NJ small group credible coverage gap maximum?
Answer: 90 days
◉ What is the NJ Life & Health Insurance Guaranty Association?
Answer: Funded by assessments on member companies
◉ What did Medicaid expansion allow states to do? Answer: Receive
matching federal funds to expand public assistance programs
◉ What do Medicare Supplement marketing regulations prevent?
Answer: Replacement of existing coverage
◉ Under NJ Continuance of Benefits Law, when must notice be given?
Answer: 30 days
, ◉ How far in advance must a Branch Office Certificate be filed?
Answer: 30 days beforehand
◉ How long may a temporary producer license be issued for? Answer:
180 days
◉ Who must approve insurance newspaper ads? Answer: Insurer
compliance department
◉ When must a branch office registration form be filed? Answer: 30
days before selling insurance
◉ After passing the exam, when must the license application be made?
Answer: 12 months
◉ How long are pre-licensing course certificates valid? Answer: 2 years
◉ What does a doctor accepting Medicare Assignment agree to?
Answer: Cannot charge more than Medicare's scheduled amount
◉ What is the contestable period for NJ health insurance policies?
Answer: 2 years
