EXAMFX Study Guide 2026

Everything you need to pass the EXAMFX exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.

📋 EXAMFX Exam Format at a Glance

150

Questions

150 min

Time Limit

70%

Passing Score

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📚 EXAMFX Topics to Study (69)

Annuity Concepts and Uses · 7 cards Annuity Concepts and Uses · 7 cards Annuity Concepts and Uses · 7 cards Annuity Concepts and Uses · 7 cards Commercial General Liability · 7 cards Commercial General Liability · 7 cards Commercial General Liability · 7 cards Commercial General Liability · 7 cards Health Insurance · 7 cards Health Insurance · 7 cards Health Insurance · 7 cards Health Insurance · 7 cards Health Policy Provisions · 7 cards Health Policy Provisions · 7 cards Health Policy Provisions · 7 cards Health Policy Provisions · 7 cards Homeowners Insurance Coverage · 7 cards Homeowners Insurance Coverage · 7 cards Homeowners Insurance Coverage · 7 cards Homeowners Insurance Coverage · 7 cards Life and Health Insurance (Combined) · 7 cards Life and Health Insurance (Combined) · 7 cards Life and Health Insurance (Combined) · 7 cards Life and Health Insurance (Combined) · 7 cards Life Insurance · 7 cards Life Insurance · 7 cards Life Insurance · 7 cards Life Insurance · 7 cards Life Insurance Policy Types · 7 cards Life Insurance Policy Types · 7 cards

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✍️ Sample EXAMFX Questions & Answers

1. A 'gatekeeper' in a managed care plan refers to:

✓ The primary care physician who must authorize specialist referrals

In HMO-style plans, the primary care physician acts as a gatekeeper, coordinating care and providing referrals before the member sees a specialist.

2. A real estate developer is sued for discrimination in the rental of units. The claimant alleges the developer violated fair housing laws. Under Coverage B of the CGL, is this covered?

✓ No, because discrimination is not among the enumerated offenses in Coverage B

Coverage B covers only specifically listed offenses (e.g., libel, slander, false arrest), and housing discrimination is not an enumerated offense in the standard ISO CGL form.

3. Under personal auto policy physical damage coverage, 'comprehensive' coverage would pay for which of the following losses?

✓ Damage from colliding with a deer

Hitting an animal is considered a comprehensive (other-than-collision) loss, not a collision loss.

4. An insurer that charges different premiums to insureds with the same expected loss costs is guilty of:

✓ Unfair discrimination

Unfair discrimination occurs when an insurer charges different premiums to insureds who present the same risk without actuarial justification, which is prohibited by state insurance regulations.

5. Which underwriting source provides information directly from the applicant's own physician?

✓ Attending Physician Statement (APS)

An APS is a statement from the applicant's treating physician providing details about diagnoses, treatments, and prognosis.

6. What is a pre-existing condition in the context of health insurance?

✓ A medical condition that existed before the health insurance policy became effective

A pre-existing condition is any medical condition diagnosed or treated before the health insurance policy started. The Affordable Care Act prohibits insurers from denying coverage or charging higher premiums due to pre-existing conditions.

🎯 Free EXAMFX Practice Tests

Annuity Concepts and Uses · 7 questions Personal Auto Policy Details · 7 questions Social Insurance Programs · 7 questions Social Insurance Programs · 7 questions Social Insurance Programs · 7 questions Personal Auto Policy Details · 7 questions Annuity Concepts and Uses · 7 questions Annuity Concepts and Uses · 7 questions Annuity Concepts and Uses · 7 questions Personal Auto Policy Details · 7 questions

📖 EXAMFX Guides & Articles

Your EXAMFX Study Path

1. Learn with Flashcards → 2. Drill Practice Tests → 3. Take the Full Exam Simulation

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