17 Free Iowa Accident & Health Insurance Exam Practice Questions (2026)

Iowa's Accident & Health questions draw on the General Knowledge part of Pearson VUE's Accident & Health exam content outline: 50 scored items in five sections, Types of Policies at 16, Policy Provisions, Clauses and Riders at 15, Social Insurance at 6, Other Insurance Concepts at 5 and Field Underwriting Procedures at 8. Iowa has no combined Life and Health exam, so the Accident & Health exam (12-IA-02) stands alone: 90 questions, 80 of them scored, in 2 hours for $44. The other 10 are unscored pretest items. Its Iowa-specific part adds 30 scored items, 15 on laws common to all lines and 15 on accident and health insurance only.

The Iowa Insurance Division determines the passing score and does not publish it, so this guide quotes none. The exam can be taken at a Pearson VUE test center or online through OnVUE. Iowa requires no pre-licensing course, and fingerprints are taken through Fieldprint after you apply for the license, not before the exam.

These 17 questions come from Chapters 6 and 7 of LanePrep's Iowa Life & Health quiz bank, none of them repeated from the free 25-question sample across all eight chapters: 11 on accident and health products and provisions (Chapter 6) and 6 on social insurance, other insurance concepts and field underwriting (Chapter 7). Those chapters are worth 31 and 19 of the Accident & Health exam's 80 scored items, which together make up the 50-item General Knowledge part. The grouping is LanePrep's, not Pearson VUE's: Chapter 6 teaches the Types of Policies section together with the Policy Provisions, Clauses and Riders section, and Chapter 7 teaches the Social Insurance, Other Insurance Concepts and Field Underwriting Procedures sections together. Iowa law, in Chapters 1 and 8, is sampled in the free 25-question set. Each question shows its chapter, so a miss tells you exactly which audio lesson to replay.

For context, the NAIC's first-time pass rate on the Accident & Health exam was 59.3 percent in 2024 and 54.1 percent in 2025, with test center and online candidates combined in both years. The rate fell 5.2 points between the two years.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing and then reading is worth more than reading and then agreeing.

Chapter 6 supplies 11 of the 17 questions and opens the Health set with accounts and mandatory provisions. It asks which tax-advantaged account a person with a High Deductible Health Plan can keep after changing employers, after how many years the Time Limit on Certain Defenses provision stops an insurer from denying a claim over misstatements in the application, and the earliest and latest times for suing an insurer after proof of loss. Next come who pays for a physical examination the insurer requests, a true characteristic of a Health Reimbursement Account that an employer sets up for its employees, and which COBRA qualifying event lets a dependent child continue group coverage for up to 36 months.

Chapter 6 continues with how policies respond and how they pay: a Specified Disease policy that names cancer when the insured is hospitalized for a heart attack, and how much of a $5,000 surgeon's bill the insurer considers when the usual, reasonable and customary figure for the area is $3,500. Then comes what the Consideration Clause says the parties exchange. Two more COBRA questions follow: the maximum continuation period and the premium for an ex-spouse after a divorce, and the maximum duration when an employee's hours are reduced. Chapter 7 begins with social insurance and the Medicare option that delivers the benefits of Parts A and B through a private insurer.

Chapter 7 closes the Health set with disability, underwriting and contract concepts. It asks what a policy calls a relapse of the same back injury that is treated as a continuation of the first claim without a new waiting period, which organization an underwriter probably used to find a heart disease history that an applicant did not fully disclose, and what makes an insurance contract unilateral. The last two questions cover the primary payor for a worker injured on the job at a manufacturing plant and what a producer should warn a client about when replacing an existing health insurance policy.

Picking the wrong tax-advantaged account. A Health Savings Account is built for a person covered by a High Deductible Health Plan. It is portable, so the owner keeps it after leaving an employer, and the funds roll over from year to year. A Flexible Spending Account is generally use-it-or-lose-it. A Health Reimbursement Account is funded solely by the employer and owned by the employer, and employees do not contribute to it. It reimburses qualified medical expenses up to a stated dollar amount. An HRA is not funded by employee salary deferrals, is not limited to employees who have no other coverage and is not prohibited by Iowa insurance regulations.

Mixing up the numbers in the mandatory provisions. Under the Time Limit on Certain Defenses provision, also called the incontestable provision, an insurer can no longer deny a claim over misstatements in the application, other than fraudulent ones, after the policy has been in force for 2 years. Under Legal Actions, an insured must wait at least 60 days after submitting proof of loss before suing the insurer, and the suit must be started within 3 years. Every wrong option in question 3 changes both numbers. Under Physical Examination and Autopsy, the insurer has the right to examine the insured while a claim is pending, and it does so at its own expense, not at the claimant's, the claimant's physician's or the state insurance department's.

Applying the wrong COBRA period or premium. A dependent child who loses dependent status under the plan, for example by reaching the limiting age, has a qualifying event that allows up to 36 months of COBRA continuation coverage. So does a spouse whose coverage ends because of a divorce. An employee's reduction in hours or termination of employment is an 18-month event, and in question 11 the maximum is 18 months, not 12 and not 36. The 29-month option is not the maximum for a simple reduction in hours. Termination for gross misconduct, the first option in question 6, is not a qualifying event, and a parent's reduced hours or voluntary resignation do not give the child 36 months. In question 10 the ex-spouse pays 102 percent of the total premium, the employer share plus the employee share, and the employer does not keep paying its 50 percent for a former spouse.

Reading a limited policy or a charge schedule too broadly. A Specified Disease policy pays only for the disease or diseases it names. A cancer policy pays nothing when the insured is hospitalized for a heart attack, not the hospital bill, not a flat daily indemnity and not half the bill because a heart attack counts as a critical illness. Under a Usual, Reasonable and Customary (URC) policy the insurer bases payment on the prevailing charge for that service in that geographic area. When a surgeon bills $5,000 and the area figure is $3,500, the insurer considers $3,500. It does not consider the full bill or only the $1,500 difference, and it does not refuse to pay because the surgeon overcharged.

Misreading contract concepts. Consideration is something of value. For the insured it is the premium payment plus the statements made in the application, and for the insurer it is the promise to pay, which is the exchange question 9 describes. Producer commissions, medical exam results and the signatures of company officers are not consideration. An insurance contract is unilateral because only the insurer makes a legally enforceable promise, the promise to pay covered claims. The insured does not promise to pay premiums, and the insurer's promise to pay claims depends on the premium being paid. A contract in which both parties make enforceable promises is bilateral, and an insurer cannot sue the insured for failing to pay premiums.

Naming the wrong government program. Medicare Part C, also called Medicare Advantage, delivers the benefits of Parts A and B through private insurance companies, often with Part D and extras such as vision and dental, and the plans must provide at least the same coverage as Original Medicare. Medicaid, Social Security Disability Insurance and the state program in option D of question 12 are separate programs. Workers Compensation is the state-mandated program for job-related injuries and diseases. It is almost always primary over the worker's individual health insurance, Social Security Disability and Medicare Part B for an injury on the job.

Confusing the disability terms. A Recurrent Disability provision defines a period, usually 6 months, during which a recurrence of a previous disability is treated as a continuation of the earlier claim, so the insured does not serve a new waiting period. In question 13 the back injury flares up two months after the worker returns to full-time work, which falls inside that period. Residual, partial and permanent disability are different terms. They describe the degree or the permanence of a disability, not how a relapse is treated.

Mistaking who keeps the medical information. The Medical Information Bureau is a non-profit, member-owned organization whose database of medical information is shared among life and health insurers to uncover misrepresentations and prevent fraud. That is how an underwriter would find a heart disease history that an applicant did not fully disclose. The NAIC, the Iowa Insurance Division and a consumer reporting agency are not the association the question describes.

Underestimating the cost of replacing health coverage. A producer helping a client replace an existing health insurance policy should warn that the new policy may carry a new probationary period or a pre-existing condition exclusion, even for conditions the old policy already covered. It does not bring automatic coverage for all previous conditions, a lower premium regardless of age or a permanent bar on buying insurance.

How did you score?

13 or more correct: You're clearing most of the health sections. Move to the Life insurance exam set next, then read how to pass the Iowa Life & Health exams on the first try for the full study plan.

9-12 correct: You're in reasonable shape but not comfortable. Note which chapter your misses fell in and replay that chapter's audio lesson before retesting.

Under 9 correct: Start with Chapter 6 of the LanePrep Iowa Life & Health course and work forward through Chapter 7 rather than testing yourself again right away. A free preview is available at /ia/l-and-h/preview.

For a 25-question sample across all eight chapters, see the free practice set.

Exam format, fees and content outline item counts from Pearson VUE's Iowa Insurance Licensing Candidate Handbook (publication 121600, July 2025) and Iowa Insurance Content Outlines (publication 121601, effective January 1, 2026); passing score determination from the same handbook; pass rates from the NAIC compiled pass-rate workbooks for 2024 and 2025. Read October 2026.