IT認定試験の中でどんな試験を受けても、Fast2testのNY-Life-Accident-and-Health試験参考資料はあなたに大きなヘルプを与えることができます。それは Fast2testのNY-Life-Accident-and-Health問題集には実際の試験に出題される可能性がある問題をすべて含んでいて、しかもあなたをよりよく問題を理解させるように詳しい解析を与えますから。真剣にFast2testのInsurance Licensing NY-Life-Accident-and-Health問題集を勉強する限り、受験したい試験に楽に合格することができるということです。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Topic 2: Accident and Health Insurance | 35% | - Health Insurance Basics
|
| Topic 3: Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
| Topic 4: Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
>> NY-Life-Accident-and-Health模擬資料 <<
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質問 # 90
Which of the following is a Health Insurance Policy where the insurer has the right to change the premiums for policyowners, but CANNOT cancel the policy?
正解：A
解説：
The correct answer is A guaranteed renewable policy . In accident and health insurance, a guaranteed renewable policy gives the policyowner the right to continue the coverage in force, usually up to a specified age, as long as premiums are paid on time. The insurer cannot cancel the policy , but it does retain the right to change the premium . Any premium change must generally apply to an entire class of insureds, not just to one individual policyholder.
This is what distinguishes guaranteed renewable policies from noncancellable policies. A noncancellable policy also cannot be canceled by the insurer, but in addition, the insurer cannot increase the premium during the guaranteed period. Therefore, if the question states that the insurer may change premiums but may not cancel the policy, the correct classification is guaranteed renewable.
The other choices are incorrect because conditionally renewable and optionally renewable policies allow the insurer greater control over continuation and possible termination under specified conditions. Those forms do not provide the same renewal protection to the insured. Therefore, the policy described in the question is a guaranteed renewable policy .
質問 # 91
Which of the following is a life insurance contract written on the life of an individual?
正解：D
解説：
The correct answer is D. Single-Life Insurance. A single-life insurance policy is a contract that covers one individual only . The death benefit is paid when that one insured person dies, provided the policy is in force.
This is the most basic and common form of life insurance coverage and is used when protection is needed on the life of one person, such as a wage earner, business owner, or parent. Because the contract is based on only one insured life, underwriting, premium calculation, and benefit payment are all tied to that single person's age, health, and policy terms.
The other choices are incorrect. A. Insurance is too broad and is not a specific type of life insurance contract.
B). Survivorship Policy covers two lives and typically pays upon the second death , not on a single individual alone. C. Joint Life Contract also covers two people , usually paying on the first death . Since the question asks for a policy written on the life of an individual , the proper term is Single-Life Insurance .
質問 # 92
Someone who sells, solicits, or negotiates insurance contracts for compensation is called
正解：D
解説：
The correct answer is B. an insurance producer . Under New York insurance law and licensing terminology , an individual who sells, solicits, or negotiates insurance contracts for compensation must be licensed as an insurance producer . The term "insurance producer" is a general designation used by state insurance regulations to refer to individuals authorized to act as agents or brokers in the sale of insurance products such as life insurance and accident and health insurance. A licensed producer must meet state requirements, which typically include completing pre-licensing education, passing the state licensing examination, submitting an application, and maintaining continuing education to keep the license active.
The other options are incorrect. An independent insurance adjuster investigates and settles insurance claims but does not sell policies. An insurance adviser is not the official legal licensing title used in New York for individuals authorized to sell or negotiate policies. A life insurer refers to the insurance company itself, not the individual who markets or sells the policies. Therefore, according to New York Life, Accident and Health licensing standards and New York insurance regulations, the person legally permitted to sell, solicit, or negotiate insurance contracts for compensation is called an insurance producer .
質問 # 93
Which of the following producers, who have been licensed for a full biennial period, MUST complete continuing education requirements as a condition of renewing a license in New York?
正解：D
解説：
The correct answer is A. Personal Lines agents. In New York, licensed insurance producers who hold standard producer licenses for a full biennial licensing period are generally required to complete continuing education in order to renew their licenses. A Personal Lines agent is a regular insurance producer license classification and is therefore subject to the state's continuing education requirement once licensed for the full renewal cycle. This requirement helps ensure that licensed producers remain current on insurance laws, ethical standards, coverage updates, and regulatory responsibilities.
The other choices do not fit as well in this question. Independent adjusters are licensed in a different capacity and are not classified as producers in the same way as agents and brokers for this question's purpose. Baggage agents and travel accident agents are limited-line licensees, and these limited categories are generally not the standard producer class targeted by the full continuing education renewal requirement tested in New York licensing materials.
Because the question specifically asks which producer must complete continuing education after a full biennial period, the best and correct choice is Personal Lines agents .
質問 # 94
Which approach considers the future needs of the survivors in determining amounts of life insurance?
正解：B
解説：
The Needs Approach is a method used to determine the appropriate amount of life insurance by analyzing the financial needs of the insured's survivors after the insured's death . This approach focuses on calculating how much money dependents will require to maintain financial stability and meet future obligations. Under this method, several categories of needs are considered, including immediate expenses (such as funeral costs, medical bills, and estate settlement costs), ongoing living expenses for surviving family members, debt repayment (such as mortgages, loans, or credit obligations), and future financial goals like children's education or spousal retirement needs. The total of these financial requirements is calculated, and any existing assets or resources available to the family are subtracted to determine the amount of life insurance needed .
In contrast, the Human Life Value Approach focuses on the insured's
質問 # 95
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