Free Oregon Health Insurance Practice Exam Online

Correct answer: D. ORS 744.074

Correct. ORS 744.062 provides that an applicant meeting the exam and qualification requirements will be licensed unless the Director refuses issuance under ORS 744.074, which sets out grounds for denial.

• A: Incorrect. ORS 744.515 addresses adjuster licensing exemptions, not producer license denial authority.
• B: Incorrect. ORS 744.053 addresses the requirement to be licensed for a class of insurance, not the Director's grounds for refusing to issue a license.
• C: Incorrect. ORS 743A.168 addresses mental health parity mandates, unrelated to license denial authority.

Correct answer: A. Meet the requirements to be licensed as an insurance producer for that specific class of insurance

Correct. ORS 744.053 requires a person to meet the requirements to be licensed as an insurance producer for the specific class of insurance, such as health, before transacting that class in Oregon.

• B: Incorrect. NAIC registration is not what authorizes a person to transact a class of insurance in Oregon; state licensure under ORS 744.053 is required.
• C: Incorrect. A general Secretary of State business license does not satisfy the insurance-specific licensing requirement under ORS 744.053.
• D: Incorrect. Oregon's licensing requirement under this statute is not satisfied by prior carrier employment alone; the individual must hold the applicable producer license.

Correct answer: B. 20 hours

Correct. OAR 836-071-0180 requires 20 hours of pre-licensing education covering basic principles of health insurance, producer duties and responsibilities, and Oregon-related law, before an applicant may sit for the health line exam.

• A: Incorrect. 10 hours understates the pre-licensing requirement Oregon sets for the health insurance line.
• C: Incorrect. 40 hours overstates the pre-licensing hours; 40 hours would be the combined total for two separate 20-hour lines, not health insurance alone.
• D: Incorrect. 52 hours does not match Oregon's per-line pre-licensing hour requirement.

Correct answer: C. The qualifications an applicant must meet for licensure, including use of the uniform application

Correct. ORS 744.059 sets out the qualifications for licensure and requires use of the uniform producer application, working together with ORS 744.062 on license issuance.

• A: Incorrect. Commission caps are not the subject of ORS 744.059, which governs licensing qualifications.
• B: Incorrect. Tax treatment of commissions is a matter of tax law, not this insurance licensing statute.
• D: Incorrect. Approval of specific policy forms is handled through separate rate and form filing requirements, not this licensing qualifications statute.

Correct answer: D. The requirement to complete continuing education as a condition of renewal or reinstatement

Correct. ORS 744.072 addresses renewal or reinstatement of the insurance producer license and ties that renewal to completion of continuing education.

• A: Incorrect. Renewal does not require re-verification of a Social Security number under this statute; that is a one-time application-stage requirement.
• B: Incorrect. Oregon does not require producers to retake the full licensing exam at each renewal; continuing education substitutes for re-examination.
• C: Incorrect. Nothing in Oregon's renewal statute requires a producer to change carriers periodically.