私たちは、このキャリアの中で、10年以上にわたりプロとしてInsNV_Health02練習資料を作りました。InsNV_Health02練習資料が最も全面的な参考書です。 そして、私たちは十分な耐久力を持って、ずっとInsNV_Health02練習資料の研究に取り組んでいます。私たちのInsNV_Health02練習資料を利用したら、InsNV_Health02試験に合格した人がかなり多いです。だから、弊社のInsNV_Health02練習資料を早く購入しましょう！
| Section | Weight | Objectives |
|---|---|---|
| Accident & Health – General Knowledge | 50% | - Other Insurance Concepts
|
| Nevada Statutes and Codes Common to Life and Health Insurance Only | 4% | - Advertising - Credit life and health insurance - Group life and health insurance
|
| Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance | 20% | - Licensing
|
| Nevada Statutes and Codes Pertinent to Health Insurance Only | 14% | - Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Medicare
- Mandatory policy clauses and provisions
|
JPNTestの実践教材は、学生だけでなくオフィスワーカーにも適用されます。 職場の退役軍人だけでなく、新しく採用された新人にも適用されます。 InsNV_Health02の学習教材は、非常にシンプルで理解しやすい言語を使用して、すべての人が学習して理解できるようにします。 また、InsNV_Health02の実際のテストでは、教科書を読むのがつまらないことを回避できますが、Insurance Licensing演習を行う過程で重要な知識をすべて習得できます。 そして、InsNV_Health02試験問題の高い合格率は98％以上です。 NV Accident and Health学習ガイドを試してみませんか？
質問 # 22
Which of the following information is included in the Consideration clause in an Accident and Health policy?
正解：B
解説：
The consideration clause identifies the exchange of value that creates the insurance contract. The insurer's consideration is its promise to provide the stated coverage and pay covered claims. The applicant's consideration consists of the application statements and payment of the required premium. Therefore, choice D is correct because the policy identifies the schedule and amount of premium payments as part of that contractual consideration. The coverage description is found in the insuring clause and benefit provisions.
Contestability is addressed in the time-limit or incontestability provisions. The grace period is stated in a separate mandatory policy provision dealing with late premium payments and continuation of coverage. The consideration clause is important because it establishes that insurance is a reciprocal exchange: the insurer assumes risk in return for the applicant's premium and representations. If the premium is not paid as required, the policy can lapse after the grace period unless another provision applies. The clause also connects the policy and attached application as part of the entire contract, subject to applicable individual accident and health insurance requirements. Study Guide References/Topics: Policy Provisions, Clauses, and Riders; Consideration Clause; Entire Contract.
質問 # 23
What is the primary purpose of a waiver-of-premium rider on a life insurance policy?
正解：C
解説：
A waiver-of-premium rider keeps qualifying life insurance coverage in force by waiving required premiums when the insured becomes totally disabled as defined in the rider. The rider protects against the risk that disability will interrupt income and make premium payments unaffordable. Once the rider's requirements are satisfied, the insurer pays or waives the premium according to the policy terms, allowing the coverage and any applicable cash-value features to continue.
The definition of total disability, the waiting period, the age limitation, proof-of-disability requirements, and the duration of the waiver are contractual matters. The rider does not usually mean that premiums are waived for every illness, injury, or temporary work interruption. The insured must meet the stated definition and provide required evidence. Some riders also require that disability begin before a specified age.
This rider should not be confused with disability-income insurance. Disability income pays a periodic benefit to replace a portion of income. Waiver of premium does not provide an income payment; it protects the life policy from lapse due to qualifying disability. It also differs from a payor-benefit rider, which is commonly used with juvenile policies and protects the policy when the premium-paying adult dies or becomes disabled.
References/topics from the Study Guide: Waiver of Premium Rider; Total Disability; Disability Income; Payor Benefit Rider; Policy Continuation.
質問 # 24
A doctor who is receiving Disability Income benefits is not able to return to work full-time but continues practicing on a part-time basis. Which of the following policy features would allow the doctor to continue receiving benefits?
正解：B
解説：
The correct answer is A. A residual benefit clause permits an insured who has returned to work on a limited basis, but still suffers a loss of income because of disability, to receive partial disability benefits. The doctor is able to practice part-time but cannot resume full-time work, so the disability continues to cause an earnings loss. Residual benefits are intended to encourage rehabilitation and return to productive work without forcing the insured to lose all benefits immediately. The benefit amount is usually tied to the percentage of income lost compared with pre-disability earnings, subject to policy requirements. A contingent benefit clause and concurrent benefit clause are not the standard disability-income provisions that address partial return to work.
A guaranteed insurability rider permits future increases in coverage without proof of insurability; it does not pay benefits for a continuing partial disability. Residual disability should be distinguished from total disability, which generally requires inability to perform the duties defined in the policy. Study Guide References/Topics: Policy Provisions, Clauses, and Riders; Disability Income Insurance; Residual Disability Benefits.
質問 # 25
What is the minimum age requirement for a natural person applying for a resident Nevada producer license?
正解：C
解説：
A natural person applying for a resident Nevada producer license must be at least 18 years old. Age is only one part of the licensing standard. Before approving a resident producer application, the Commissioner must also find that the applicant has not committed an act that would justify refusal, suspension, or revocation of a license; has paid the applicable fees; and has passed the required examination for the requested line of authority unless an examination exemption applies.
A life and health producer must hold the appropriate line or lines of authority before selling, soliciting, or negotiating those classes of insurance. Nevada separately identifies life insurance and accident-and-health insurance as producer authorities. A producer must also comply with renewal, continuing education, appointment, recordkeeping, and reporting requirements as applicable.
A business organization may also be licensed as a producer, but it must designate a properly licensed natural person who is authorized to transact business on its behalf and is responsible for the organization's compliance with Nevada insurance laws and regulations. Licensing is therefore not merely a test-passing event; it is an ongoing regulatory responsibility.
For examination purposes, remember the basic resident-producer requirements: age 18 or older, proper application, fees, good character and eligibility, and examination success unless exempt.
References/topics from the Study Guide: Nevada Producer Licensing; Resident Producer Requirements; Lines of Authority; License Application; NRS 683A.251.
質問 # 26
Which of the following statements is generally CORRECT about a major medical policy?
正解：D
解説：
Major medical insurance is designed to provide broad protection against substantial medical expenses. It commonly covers hospital, surgical, physician, diagnostic, and other medically necessary services, subject to deductibles, coinsurance, exclusions, and stated policy limits. Therefore, choice D is correct. A major medical policy is not limited to in-hospital expenses; that description is more characteristic of basic hospital coverage.
It also is generally broader-not more limited-than a basic hospital, medical, or surgical policy. A 30-day elimination period is associated more closely with disability income insurance and does not define major medical coverage. The phrase "reasonable and necessary" is important because it allows the insurer to evaluate whether a service was medically appropriate and whether the charge falls within the policy's payment standard. Major medical policies are comprehensive, but they are not unlimited: coverage remains subject to deductibles, coinsurance, exclusions, maximum benefits, network terms, and utilization requirements. Study Guide References/Topics: Types of Health Insurance Policies; Major Medical Expense Insurance; Medical Expense Coverage.
質問 # 27
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InsNV_Health02学習クイズの合格率は99％で、InsNV_Health02実践ガイドは高いヒット率を高めます。当社のInsNV_Health02テストトレントは専門家によって編集され、Insurance Licensing提供される回答と質問は実際の試験に基づいています。InsNV_Health02試験問題の内容は、理解して習得するのが簡単です。試験の準備を万全にするために、当社のソフトウェアは、実際の試験を刺激する機能と、速度の調整に役立つタイミング機能を提供します。InsNV_Health02ガイド急流のこれらのメリットに基づいて、InsNV_Health02試験に高い確率で合格できます。
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