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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: New York State Regulations | 20-25% | - NYS Insurance Law requirements - Fiduciary responsibilities - Licensing requirements and procedures - Consumer protection regulations - Advertising regulations - Replacement and churn rules |
| Topic 2: Accident and Health Insurance | 25-30% | - Major medical coverage - Dental and vision insurance basics - Long-term care insurance basics - Disability income insurance - Medical expense coverage - Health insurance policy types (individual, group, HMOs) |
| Topic 3: Life Insurance Fundamentals | 25-30% | - Policy riders and endorsements - Policy reinstatement - Policy types and provisions - Dividends and nonforfeiture options - Beneficiary designations |
| Topic 4: General Insurance Principles | 15-20% | - Fair claims settlement practices - Agent/broker duties and ethics - Underwriting principles - Insurance contract fundamentals - Ethical sales practices |
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質問 # 115
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
正解：B
質問 # 116
Intentionally withholding information that should be provided to an insurer is known as
正解：C
解説：
The correct answer is A. concealment . In insurance, concealment means an applicant or insured intentionally fails to disclose a material fact that should be made known to the insurer. A material fact is any information that would affect the insurer's decision to issue the policy, set the premium, or determine the scope of coverage. Because insurers rely on full and truthful disclosure during underwriting, concealment can be treated as a form of misrepresentation and may give the insurer grounds to deny a claim or rescind the policy, depending on the circumstances and applicable law.
The other choices do not match this definition. Estoppel is a legal principle that can prevent a party from asserting a right when its own actions have caused another to rely to their detriment. Remission is not the standard insurance term for withholding information in underwriting. Twisting is an unfair trade practice involving inducing a policyowner to replace existing insurance using misleading comparisons. Since the question asks specifically about intentionally withholding information from an insurer, the correct term is concealment .
質問 # 117
At the time of an insured ' s death, a per capita distribution of policy proceeds are paid to
正解：D
解説：
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.
質問 # 118
With regard to Disability Insurance, the waiting period is to
正解：B
解説：
The correct answer is A. exclude payments for a short-term illness. In disability income insurance, the waiting period , also called the elimination period , is the period of time that must pass after a covered disability begins before benefits become payable. Its primary purpose is to prevent the policy from paying for very brief or temporary disabilities and to reduce the insurer's exposure to small, short-duration claims. Because many minor illnesses or injuries resolve quickly, the waiting period acts like a time deductible rather than a dollar deductible.
This makes choice A the best answer. The waiting period is not used to measure the severity of the illness, so B is incorrect. It is also not intended to calculate medical expenses, because disability insurance pays based on loss of income rather than reimbursement of medical bills, making C incorrect. D is also incorrect because policy eligibility is determined through underwriting and contract terms, not by the waiting period itself.
Therefore, the waiting period in disability insurance is mainly used to exclude benefits for short-term illnesses or disabilities and help keep premiums more affordable.
質問 # 119
Which type of annuity guarantees a level benefit payment?
正解：B
解説：
The correct answer is Fixed . A fixed annuity guarantees a level benefit payment because the insurer promises to pay a stated amount or to credit a guaranteed rate of interest, which produces predictable and stable income payments. This makes fixed annuities especially suitable for individuals who want security, stability, and certainty of income , particularly during retirement.
In contrast, a variable annuity does not guarantee level payments because its benefits fluctuate based on the performance of the underlying investment accounts, usually separate accounts invested in securities. As investment results rise or fall, the annuity payment amount can increase or decrease. "Universal" is not the standard annuity classification used to describe guaranteed level income payments, and "Limited Life" is not a recognized annuity type for this purpose.
This question tests the distinction between guaranteed income and market-dependent income . In life insurance and annuity licensing materials, fixed annuities are consistently associated with guaranteed principal, guaranteed interest, and predictable benefit payments . Therefore, when asked which type of annuity guarantees a level benefit payment, the correct and expected answer is D. Fixed .
質問 # 120
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