Insurance Licensing NY-Life-Accident-and-Health考試證照綜述是行業領先材料＆NY-Life-Accident-and-Health：New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:

Section	Weight	Objectives
Accident and Health Insurance	35%	- Policy Provisions and Claims 1. Coordination of Benefits 2. Eligibility and Enrollment - Government Health Programs 1. New York State Specific Programs 2. Medicare and Medicaid - Health Insurance Basics 1. Group vs Individual Coverage 2. Medical Expense and Disability Income
Insurance Regulation and General Principles	20%	- New York Insurance Code and Laws 1. Unfair Trade Practices 2. Producer Responsibilities and Ethics 3. Licensing Requirements and Procedures - Insurance Concepts 1. Risk Management and Insurable Interest 2. Contract Law and Policy Structure
Underwriting, Marketing and Sales Practices	15%	- Application and Underwriting Procedures 1. Risk Classification and Selection - Sales and Customer Service 1. Suitability and Disclosure Requirements
Life Insurance Products and Provisions	30%	- Policy Provisions, Riders and Options 1. Non-forfeiture Values and Dividends 2. Beneficiary Designations - Types of Life Insurance Policies 1. Term, Whole Life, Universal Life 2. Annuities and Retirement Products

>> NY-Life-Accident-and-Health考試證照綜述 <<

NY-Life-Accident-and-Health認證指南，NY-Life-Accident-and-Health考試重點

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最新的 Life, Accident, and Health NY-Life-Accident-and-Health 免費考試真題 (Q110-Q115):

問題 #110
Which of the following statements is TRUE regarding a waiver of premium rider?

A. There will be no change in the policy other than the insured no longer has to pay the premiums on the policy.
B. The insured will automatically become eligible for accelerated death benefits.
C. The death benefit will be reduced by the amount of the unpaid premiums.
D. The policy ' s cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.

答案：A

解題說明：
The correct answer is A. There will be no change in the policy other than the insured no longer has to pay the premiums on the policy. A waiver of premium rider is a life insurance rider designed to protect the insured when total disability occurs, subject to the rider's terms and waiting period. Once the rider becomes effective, the insurer waives future premium payments , but the policy is treated as though the premiums are still being paid. This means the policy remains in force , and its benefits generally continue without reduction.
That is why the other choices are incorrect. B is incorrect because the policy is not supposed to continue on a reduced basis merely because the insured is disabled; the rider is intended to preserve the policy as contracted.
C is incorrect because unpaid premiums under an active waiver of premium rider are not deducted from the death benefit . D is incorrect because accelerated death benefits are a separate provision or rider, usually triggered by terminal illness or another qualifying condition, not by the waiver of premium rider itself.
Therefore, the true statement is that the policy stays essentially the same, except the insured is relieved from paying premiums while qualifying disability continues.

問題 #111
With respect to small group health benefit plans, a carrier may discontinue coverage or may refuse to renew such a plan if the employer

A. has a supplemental plan with a competing carrier.
B. has filed for bankruptcy in the prior year.
C. falls to pay the premium prior to the end of the grace period.
D. employs fewer than 15 full-time employees.

答案：C

解題說明：
Under New York small group health benefit plan rules, carriers generally must renew coverage for an employer group, but there are specific exceptions where a carrier is permitted to discontinue or refuse renewal
. One of the primary permitted reasons is nonpayment of premium -if the employer does not pay required premiums within the policy's allowed timeframes (including any required grace period), the carrier may terminate or nonrenew coverage because the group is no longer meeting the contractual payment obligation.
The other options do not typically qualify as valid statutory reasons for nonrenewal in the small group market.
Merely employing fewer than 15 full-time employees is not a trigger for termination (small group status is based on employer size definitions, but size alone doesn't justify cancellation). Filing for bankruptcy is not, by itself, a standard guaranteed-renewability exception. Having supplemental coverage with another carrier also does not allow a carrier to cancel, because employers may coordinate coverage arrangements. Therefore, the only option that matches an allowed discontinuance/nonrenewal basis is failure to pay premiums before the end of the grace period .

問題 #112
A company may insure an employee with specialized skills under a key employee disability insurance policy.
Which of the following statements is TRUE?

A. The business is the applicant.
B. The employee ' s spouse is the beneficiary.
C. The employee is the applicant.
D. The employee pays the premium.

答案：A

解題說明：
The correct answer is A. The business is the applicant. In key employee disability insurance (also called key person disability income), the purpose of coverage is to protect the business against financial loss if an employee with unique skills, knowledge, or production value becomes disabled. New York's Life, Accident and Health Agent/Broker examination content outline specifically includes "Business disability insurance" and "Key person disability income" as tested topics, confirming that this is a recognized business-use disability coverage concept in the New York licensing curriculum.
Under this arrangement, the business applies for and owns the policy , pays the premiums, and is generally the beneficiary of any benefits payable because the loss being insured is the company's loss, not the employee's family loss. Industry explanations of key person disability insurance are consistent on this point: the key employee is the insured , while the company buys the coverage and makes the premium payments .
That makes the other options incorrect. The employee's spouse is not the beneficiary, the employee usually does not pay the premium, and the employee is not the applicant.

問題 #113
Under Workers ' Compensation, injured employees are covered for all of the following losses EXCEPT

A. pain and suffering.
B. occupational illness.
C. medical expenses.
D. loss of wages.

答案：A

解題說明：
Workers' Compensation is a form of insurance that provides benefits to employees who suffer work-related injuries or occupational illnesses . It is designed as a no-fault system , meaning employees receive benefits regardless of who caused the accident, while employers are generally protected from lawsuits related to workplace injuries. Workers' Compensation typically provides several types of benefits, including payment of necessary medical expenses , replacement of a portion of lost wages , and coverage for occupational illnesses or diseases that arise from employment conditions. In cases of severe injury or death, additional disability or survivor benefits may also be provided.
However, Workers' Compensation does not provide benefits for pain and suffering . Compensation for emotional distress or general suffering is usually associated with civil liability lawsuits, not with Workers' Compensation benefits. The system focuses primarily on economic losses -such as medical costs and lost income-rather than non-economic damages. Because of this trade-off, employees receive quicker access to benefits without needing to prove employer negligence, but they also give up the right to sue the employer for additional damages like pain and suffering.

問題 #114
Which statement is NOT a characteristic of a Group Life Insurance Plan?

A. A master contract.
B. Individual underwriting.
C. Probationary periods.
D. Certificate of Insurance.

答案：B

解題說明：
The correct answer is C. Individual underwriting. A Group Life Insurance Plan is designed to provide coverage to a number of people under a single policy, usually employees of an employer or members of an association. One of its key characteristics is that the insurer issues a master contract to the policyholder, such as the employer, while each covered member receives a certificate of insurance as evidence of coverage.
Group plans may also include probationary periods , especially for new employees, to require a certain length of service before coverage becomes effective.
What group life insurance generally does not involve is individual underwriting for each member. Unlike individual life insurance, where each applicant's health history, occupation, and personal risk factors are carefully evaluated, group life insurance is commonly written on a group basis . Eligibility is determined by membership in the group rather than detailed medical underwriting of each person, especially for amounts within the plan's basic coverage limits. Therefore, the statement that is not a characteristic of a Group Life Insurance Plan is individual underwriting .
Thought for 8s

問題 #115
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NY-Life-Accident-and-Health認證指南: https://www.vcesoft.com/NY-Life-Accident-and-Health-pdf.html