Fast2test의 Insurance Licensing인증 NY-Life-Accident-and-Health시험덤프자료는 IT인사들의 많은 찬양을 받아왔습니다.이는Fast2test의 Insurance Licensing인증 NY-Life-Accident-and-Health덤프가 신뢰성을 다시 한번 인증해주는것입니다. Insurance Licensing인증 NY-Life-Accident-and-Health시험덤프의 인기는 이 시험과목이 얼마나 중요한지를 증명해줍니다. Fast2test의 Insurance Licensing인증 NY-Life-Accident-and-Health덤프로 이 중요한 IT인증시험을 준비하시면 우수한 성적으로 시험을 통과하여 인정받는 IT전문가로 될것입니다.
| Section | Weight | Objectives |
|---|---|---|
| Accident and Health Insurance | 25-30% | - Major medical coverage - Long-term care insurance basics - Medical expense coverage - Health insurance policy types (individual, group, HMOs) - Dental and vision insurance basics - Disability income insurance |
| New York State Regulations | 20-25% | - NYS Insurance Law requirements - Licensing requirements and procedures - Advertising regulations - Replacement and churn rules - Fiduciary responsibilities - Consumer protection regulations |
| General Insurance Principles | 15-20% | - Ethical sales practices - Underwriting principles - Agent/broker duties and ethics - Fair claims settlement practices - Insurance contract fundamentals |
| Life Insurance Fundamentals | 25-30% | - Policy reinstatement - Dividends and nonforfeiture options - Policy types and provisions - Policy riders and endorsements - Beneficiary designations |
>> NY-Life-Accident-and-Health시험패스 가능한 공부하기 <<
퍼펙트한Insurance Licensing NY-Life-Accident-and-Health시험대비덤프자료는 Fast2test가 전문입니다. Insurance Licensing NY-Life-Accident-and-Health덤프를 다운받아 가장 쉬운 시험준비를 하여 한방에 패스가는것입니다. 다같이 Insurance Licensing NY-Life-Accident-and-Health덤프로 시험패스에 주문걸어 보아요. 마술처럼Insurance Licensing NY-Life-Accident-and-Health시험합격이 실현될것입니다.
질문 # 16
Under the Affordable Care Act, insurers MUST offer plans within health insurance exchanges that meet distinct levels of coverage. What metal tier is REQUIRED to have an actuarial value of 70% with covered individuals paying 30% through deductibles, co-pays, and other cost sharing features?
정답：A
설명：
Under the Affordable Care Act (ACA), qualified health plans offered on the individual and small-group exchanges are categorized into metal tiers based on actuarial value (AV) -the percentage of expected average medical costs the plan is designed to pay for a standard population. The ACA's standard tiers are Bronze (60% AV) , Silver (70% AV) , Gold (80% AV) , and Platinum (90% AV) . A plan with a 70% actuarial value is therefore a Silver Plan , meaning that, on average, the insurer pays about 70% of covered healthcare expenses and covered individuals pay about 30% through deductibles, copayments, coinsurance, and other cost-sharing (not including premiums).
This question's wording matches the defining feature of the Silver tier: 70/30 cost-sharing on average . Gold and Platinum tiers have higher actuarial values (so lower expected cost sharing), while Bronze has a lower actuarial value (higher expected cost sharing). Therefore, the required tier at 70% AV is the Silver Plan .
질문 # 17
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
정답：C
설명：
During the accumulation period of an annuity, the contract owner is building value through premium payments and interest/earnings. If the annuitant dies before annuitization begins , the annuity does not simply disappear and the insurer does not "keep" the funds. Instead, the contract's value is paid out as a death benefit
, which is generally based on the annuity's cash value (account value) , subject to the contract's terms (for example, adjustments for surrender charges may or may not apply depending on the product). The payment is made to the named beneficiary on the contract, which is why beneficiary designation is important for annuities just as it is for life insurance.
Option B would apply only if there is no living beneficiary (or no valid beneficiary designation), in which case proceeds may be paid to the owner's estate. Option C is incorrect because the IRS is not the recipient of the cash value; taxes may be due on taxable gains, but proceeds are payable to beneficiaries/estate. Therefore, the correct answer is that the cash value is paid to the beneficiary.
질문 # 18
At the time of an insured ' s death, a per capita distribution of policy proceeds are paid to
정답：A
설명：
The correct answer is the named living primary beneficiaries . In life insurance beneficiary designations, per capita means "by the head," or equally among the living members of the named class or group . When policy proceeds are distributed per capita, each living beneficiary at the same beneficiary level receives an equal share of the death benefit. If one of the named primary beneficiaries dies before the insured, that deceased beneficiary's share is not passed to that beneficiary's estate or descendants unless the policy specifically provides otherwise. Instead, the proceeds are divided equally among the remaining living primary beneficiaries .
This is what distinguishes per capita from per stirpes . Under per stirpes, the share of a deceased beneficiary would pass down to that beneficiary's descendants. But under per capita, only the surviving named beneficiaries in the class receive the proceeds.
The other options are incorrect because a deceased beneficiary's estate does not automatically receive the share, the children of a deceased primary beneficiary are not paid under per capita unless specifically named, and contingent beneficiaries are paid only if no primary beneficiaries survive. Therefore, D is correct.
질문 # 19
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT
정답：B
설명：
Life insurance underwriting relies on multiple sources to evaluate an applicant's insurability and assign an appropriate risk classification. Beyond the application, the Medical Information Bureau (MIB), and consumer reports, insurers commonly obtain additional medical information through medical questionnaires (supplemental health questions), attending physician statements (APS) from the applicant's doctor, and physical examinations (often including measurements, vitals, and sometimes lab work) when required by the insurer's underwriting guidelines. These tools help confirm medical history, clarify conditions disclosed on the application, and verify current health status so the insurer can make a fair underwriting decision.
However, insurers generally do not obtain information through genetic testing as part of routine underwriting.
Licensing materials typically treat genetic testing as an excluded underwriting source because of legal and regulatory protections that restrict requesting or using genetic test results in insurance decisions. Therefore, while questionnaires, APS reports, and physical exams are standard underwriting information sources, genetic testing is the exception.
질문 # 20
The Health Insurance Portability and Accountability Act (HIPAA) ensures that qualified individuals who change jobs will have access to group health insurance with their new employer without
정답：A
설명：
The Health Insurance Portability and Accountability Act (HIPAA) of 1996 was enacted to improve the portability and continuity of health insurance coverage for employees and their dependents when they change or lose jobs. One of the key protections provided by HIPAA is that individuals moving from one group health plan to another may receive credit for prior continuous health coverage . This means that the time a person was previously insured under a group health plan is applied toward any preexisting condition exclusion period under the new employer's plan.
As a result, qualified individuals who maintain continuous coverage generally do not have to satisfy a new preexisting condition waiting period when enrolling in a new group health insurance plan. This provision prevents employees from losing coverage for medical conditions that existed before joining the new plan.
However, HIPAA does not guarantee that premiums will remain the same , nor does it prevent changes in deductibles or benefit levels, since these factors depend on the design of the employer's health plan. The primary objective of HIPAA is portability of coverage and protection against new preexisting condition exclusions when changing employment.
질문 # 21
......
Fast2test을 선택함으로 100%인증시험을 패스하실 수 있습니다. 우리는Insurance Licensing NY-Life-Accident-and-Health시험의 갱신에 따라 최신의 덤프를 제공할 것입니다. Fast2test에서는 무료로 24시간 온라인상담이 있으며, Fast2test의 덤프로Insurance Licensing NY-Life-Accident-and-Health시험을 패스하지 못한다면 우리는 덤프전액환불을 약속 드립니다.
NY-Life-Accident-and-Health퍼펙트 덤프 최신문제: https://kr.fast2test.com/NY-Life-Accident-and-Health-premium-file.html