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

The accident and health questions in this set draw on the accident and health general knowledge sections of Pearson VUE's content outline for the combined KS Life and Accident & Health Producer exam (12-KS-05): 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. On that exam they sit beside four life general knowledge sections and the three sections of Kansas law. The exam is 154 items, 140 scored plus 14 unscored pretest, in 150 minutes for $64, with one score for the whole exam and a pass mark of 70 percent.

A candidate who wants only the Accident & Health line can book the single-line exam (12-KS-02) instead: 95 items, 84 scored plus 11 pretest, in 90 minutes for $57, with the same 70 percent standard. Either exam is taken in person at a Pearson VUE test center. Kansas requires no pre-licensing course, and initial resident applicants are fingerprinted for a criminal history check as a standard step of the application.

The 17 questions are drawn from Chapters 6 and 7 of LanePrep's Kansas Life & Health quiz bank, and none repeats a question from the free 25-question sample across the whole exam: 11 on accident and health policy types, provisions and riders (Chapter 6) and 6 on social insurance, other health concepts and field underwriting (Chapter 7). On the combined exam those chapters are worth 31 and 19 of the 140 scored items, and Chapter 6 is the heaviest chapter in the course. The grouping is LanePrep's own, not Pearson VUE's: Chapter 6 teaches the Types of Policies section together with Policy Provisions, Clauses and Riders, and Chapter 7 teaches Social Insurance, Other Insurance Concepts and Field Underwriting Procedures. The Kansas law questions are in the free 25-question set. Every question is labeled with its chapter, so each miss points you to the audio lesson to replay.

For context, the NAIC reports pass rates for the combined exam, the exam this course follows, of 56.8 percent in 2024 and 58.8 percent in 2025, counting all candidates and both testing modes together.

Answer each one before you open the explanation. The explanation is folded underneath every question. A guess you have to defend is worth more than an answer you only agree with.

Chapter 6 opens the Health set with a policy provision, a long-term care level of care and three plan and product types. It asks what an insurer can do about an undisclosed condition once the Time Limit on Certain Defenses provision applies, and what Intermediate Care means in a long-term care policy. It then asks which policy protects a corporation against the disability of its top sales manager, what is true of a Health Reimbursement Account, and which two plan types a Point of Service plan combines. Question 6 closes the section with the likely consequence of scheduling elective surgery without pre-authorization.

Chapter 6 continues with renewability, disability income and long-term care: the policy an insurer may cancel at any time with written notice, what a partial disability benefit typically pays, and how a group policy written on a non-occupational basis responds to an injury that happens off the job. Two more questions follow: how an AD&D policy pays when the insured dies some weeks after a car accident, and which level of long-term care describes round-the-clock care under a physician's supervision. Chapter 7 begins with how the benefits of an individual disability income policy are taxed when the insured paid the premiums with after-tax dollars.

Chapter 7 closes the Health set with social insurance and other insurance concepts: how Social Security defines disability for SSDI benefits, why an insurance contract is called a contract of adhesion, and the notice a producer gives an applicant who is replacing a health policy. The last two questions cover a retiree who drops employer coverage for Medicare Part D and the rights a consumer keeps under the Fair Credit Reporting Act after a denial based on a credit report.

Misreading the Time Limit on Certain Defenses. This provision belongs to the uniform provisions of K.S.A. 40-2203 for individual accident and health policies. Once the stated time limit has passed, a misstatement in the application can no longer be used to void the policy or deny a claim unless the misstatement was fraudulent. So in question 1 the insurer can deny the claim for the undisclosed back condition only if it can prove the omission was a fraudulent misstatement. Voiding the policy and refunding premiums, denying the claim because the condition was pre-existing and undisclosed, and paying automatically because the contestability period has passed are the distractors. The same statute sets the grace period: not less than 7 days for weekly premiums, 10 days for monthly premiums and 31 days for all other premium modes.

Blurring the levels of long-term care. Intermediate care is occasional nursing or rehabilitative care provided by skilled medical personnel for stable conditions, which is the definition question 2 asks for. Skilled nursing care is daily nursing and rehabilitative care that can be performed only by, or under the supervision of, skilled medical personnel and is based on a doctor's orders; that is the level in question 11, where licensed professionals provide round-the-clock care under a physician's direct supervision. Custodial care is assistance with the activities of daily living by non-medical staff, and home health care describes a setting rather than a level of care. The distractors in question 2 swap these definitions, and care given by family members in the home is not intermediate care. Kansas gives a long-term care policy a longer right to return than the 10-day free look on an ordinary life policy: 30 days from delivery, with the premium refunded within 10 business days of the insurer's receipt of the returned policy (K.A.R. 40-4-37f).

Picking the wrong business product, plan type or utilization-review consequence. Key Employee Disability insurance is owned by the business, and the benefit is paid to the business to cover the cost of recruiting and training a replacement or to offset lost profits while the key person is disabled. Business Overhead Expense pays the ongoing costs of running the business, group long-term disability protects employees' income, and Workers' Compensation covers on-the-job injuries. A Health Reimbursement Account is funded entirely by employer contributions and reimburses employees for qualified medical expenses. Unlike an HSA it does not require a High Deductible Health Plan, and unlike an FSA it is not funded through the employee's salary. A Point of Service plan is a hybrid of an HMO and a PPO: like an HMO it uses a Primary Care Physician as gatekeeper for in-network care, and like a PPO it lets the insured go out of network at a higher cost. Pre-authorization lets the insurer decide beforehand whether a procedure is medically necessary. An insured who skips it risks a reduced benefit or a denied claim, not a cancelled policy or a fine on the surgeon.

Mixing up renewability classes and disability definitions. A policy the insurer may cancel at any time, with written notice and a refund of any unearned premium, is Cancellable, the least favorable renewability. Noncancellable, Guaranteed Renewable and Conditionally Renewable policies each limit the insurer's right to end coverage. Partial disability, defined as the inability to perform one or more important duties of the occupation, typically pays a flat share of the total disability benefit for a limited time, an incentive to return to part-time work. It does not pay the full benefit, a percentage based on the exact income lost or only the cost of prescriptions. A group disability policy written on a non-occupational basis covers disabilities that occur off the job, so the project manager injured while rock climbing is paid. Workers' Compensation covers on-the-job injuries, which is why most group disability plans are non-occupational, and she need not prove the injury was not her fault or exhaust workers' compensation first. In an AD&D policy the Principal Sum is the accidental death benefit, and most policies pay it only if death follows the accident within a stated window. Question 10 describes a death inside that window, so the Principal Sum is paid, not the Capital Sum, nothing or a return of premiums.

Getting the tax treatment backwards. When an individual pays the premiums on a disability income policy with after-tax dollars, the benefits are received tax-free. If an employer pays the premium and does not include it in the employee's taxable income, the benefits are generally taxable instead. Question 12 describes the first case, so the answer is not fully taxable income, taxation of only the part above a cost basis or deferral until retirement.

Using the wrong disability definition and the wrong reason for adhesion. Social Security uses a strict any-occupation, total disability definition for SSDI: the worker must be unable to engage in any substantial gainful employment because of a physical or mental impairment expected to last for an extended period or to result in death. An own-occupation test, a partial disability and a temporary disability do not meet it. An insurance contract is a contract of adhesion because the insurer writes it and the applicant must accept it as written, with no power to negotiate the terms, which is why courts usually rule in favor of the insured when the wording is unclear. Unequal values, a one-sided promise and dependence on an uncertain event describe other characteristics of insurance contracts, not adhesion.

Skipping the replacement notice and misreading creditable coverage and credit-report rights. When a client replaces an existing health policy, the producer must give the applicant a Notice Regarding Replacement, signed by the applicant and the producer, which warns of the possible loss of benefits and new waiting periods. The producer does not cancel the old policy immediately, waive the new policy's probationary period or collect a double premium. A retiree who drops employer group coverage and enrolls in Medicare Part D avoids the late enrollment penalty only by showing that the earlier coverage was creditable, meaning it was actuarially equivalent to or better than Medicare's standard prescription drug coverage. The insurer's domicile, a zero-dollar generic deductible and the length of enrollment in the group plan do not decide it. Under the Fair Credit Reporting Act, a consumer denied coverage because of a credit report may be told the name and address of the reporting agency, obtain a summary of the information in the report and ask for a reinvestigation of incorrect information. The consumer cannot require the insurer to change its underwriting rules, which makes that option the exception in question 17.

How did you score?

13 or more correct: That is a strong result on the accident and health sections. Take the Life insurance exam set next, then read how to pass the Kansas Life & Health exam on the first try for the full study plan.

9-12 correct: You have a base but not yet a margin. Note which chapter each miss came from and replay that chapter's audio lesson before you retest.

Under 9 correct: Begin with Chapter 6 of the LanePrep Kansas Life & Health course and work through Chapter 7 before you test yourself again. A free preview is available at /ks/l-and-h/preview.

Want a sample across the whole exam instead? The free practice set has 25 questions.

Exam format, fees and content outline item counts from Pearson VUE's Kansas Insurance Licensing Candidate Handbook (publication 121700, July 2026) and Kansas Insurance Content Outlines (publication 121703, effective March 1, 2025); passing score from K.A.R. 40-7-13; individual accident and health uniform provisions from K.S.A. 40-2203; long-term care right to return from K.A.R. 40-4-37f; free-look period from K.A.R. 40-2-15; pass rates from the NAIC compiled pass-rate workbooks for 2024 and 2025. Read October 2026.