1年以内にクライアントに無料アップデートを提供します。クライアントは、最新の業界動向を学び理解するために、より多くのNY-Life-Accident-and-Healthガイド資料を入手できます。 NY-Life-Accident-and-Health実践ガイドの更新をタイムリーかつ定期的に担当する専門の専門家チームを強化します。彼らは、優れた公開著者の論文と業界内の最新の新しい知識ポイントを参照して、NY-Life-Accident-and-Healthトレーニング資料を更新します。 1年後、クライアントは購入時に50％の割引を享受でき、古いクライアントは特定の割引を享受できます
| Section | Weight | Objectives |
|---|---|---|
| General Insurance Principles | 15-20% | - Insurance contract fundamentals - Underwriting principles - Ethical sales practices - Agent/broker duties and ethics - Fair claims settlement practices |
| Accident and Health Insurance | 25-30% | - Major medical coverage - Long-term care insurance basics - Health insurance policy types (individual, group, HMOs) - Dental and vision insurance basics - Medical expense coverage - Disability income insurance |
| Life Insurance Fundamentals | 25-30% | - Beneficiary designations - Policy reinstatement - Dividends and nonforfeiture options - Policy riders and endorsements - Policy types and provisions |
| New York State Regulations | 20-25% | - Licensing requirements and procedures - Consumer protection regulations - Fiduciary responsibilities - Advertising regulations - NYS Insurance Law requirements - Replacement and churn rules |
>> NY-Life-Accident-and-Health模擬問題集 <<
お客様に最も信頼性の高いバックアップを提供するという信念から当社のNY-Life-Accident-and-Health試験問題を作成し、優れた結果により、試験受験者の機能に対する心を捉えました。 NY-Life-Accident-and-Health練習資料は、3つのバージョンに分類できます。 これらのバージョンの使用はすべて、彼らに受け入れられています。 これらのバージョンのNY-Life-Accident-and-Health模擬練習には大きな格差はありませんが、能力を強化し、レビュープロセスをスピードアップして試験に関する知識を習得するのに役立ちます。そのため、レビュープロセスは妨げられません。
質問 # 96
Some states have laws ensuring that health insurance coverages are available at a reasonable cost and under reasonable conditions for small employers. Small employers are defined as having no more than
正解：B
解説：
The correct answer is 100 employees . In accident and health insurance licensing material, "small employer" or "small group" generally refers to an employer with 1 to 100 employees for purposes of small-group health insurance market rules. These laws are intended to make coverage more available and affordable for smaller businesses that may not have the bargaining power of large employers. They are commonly associated with protections involving availability of coverage, renewal standards, rating limitations, and fair underwriting conditions in the small-group market.
This question tests recognition of the standard upper limit used in modern health insurance regulation for a small employer group. The other options-75, 150, and 200-do not match the commonly tested definition.
In exam context, the purpose is to distinguish small-group health coverage from large-group coverage, because different rules may apply to eligibility, premium determination, and mandated access. So, when a health insurance question asks how many employees a "small employer" may have under these types of laws, the expected answer is no more than 100 employees .
質問 # 97
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
正解：C
解説：
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.
質問 # 98
The cause of a loss is called
正解：B
解説：
In insurance terminology, the cause of a loss is known as a peril . A peril is the specific event or cause that results in damage, injury, or financial loss. Common examples of perils include fire, theft, accident, illness, disability, or death . In life and health insurance, the insured event-such as death in life insurance or sickness and accidental injury in health insurance-is considered the peril that triggers the insurer's obligation to pay benefits under the policy. Insurance policies are designed to provide financial protection against losses that result from covered perils.
It is important to distinguish a peril from other related insurance concepts. A hazard is a condition or situation that increases the likelihood or severity of a loss caused by a peril. Hazards are typically categorized as physical hazards (such as icy roads or faulty wiring), moral hazards (dishonesty or fraudulent behavior), and morale hazards (carelessness because of insurance coverage). An exposure refers to the possibility of loss, while risk refers to the uncertainty regarding the occurrence of a loss. Therefore, the term that specifically describes the direct cause of a loss is a peril .
質問 # 99
Long-term care policies MUST cover which of the following conditions?
正解：A
解説：
Long-term care (LTC) insurance is intended to cover services needed when an insured cannot perform activities of daily living (ADLs) or suffers a cognitive impairment that requires substantial supervision for health and safety. A core regulatory and policy design principle is that LTC benefits must be available for qualifying impairments regardless of whether the cause is physical or cognitive . Alzheimer's disease is a leading cause of cognitive impairment and is specifically recognized in LTC training materials as a condition LTC policies must cover when it results in the required level of functional or cognitive limitation. In practice, Alzheimer's often triggers eligibility through the cognitive impairment standard, even when the insured can still perform some ADLs, because supervision is needed to protect the individual from threats to health and safety.
The other options are commonly associated with policy exclusions rather than required coverage. LTC policies frequently exclude losses related to war or acts of war , and they may exclude intentionally self- inflicted injuries . Alcoholism or drug addiction is not treated as a mandatory covered condition in the same way; coverage depends on policy terms and is often limited or excluded. Therefore, the condition LTC policies must cover is Alzheimer's disease .
質問 # 100
Under the grace period, an insured submits a $300 claim for medical expenses. The insurer notes that the insured has a past due premium of $100, and as a result, the insurer only pays $200. Which of the following provisions covers this situation?
正解：A
解説：
The correct answer is Unpaid premium . In accident and health insurance, the unpaid premium provision permits the insurer to deduct any premium that is due and unpaid from a claim payment when a loss occurs during the grace period. The grace period allows coverage to remain in force for a limited time after the premium due date, giving the insured an opportunity to make the overdue payment without immediate lapse of coverage. However, if a claim is submitted during that period, the insurer has the right to subtract the outstanding premium from the amount otherwise payable.
In this question, the insured submits a $300 claim , but because $100 in premium is overdue , the insurer pays only $200 . That is exactly how the unpaid premium provision operates.
The other choices do not fit. Payment of claims refers to how and to whom claims are paid, not deduction of overdue premium. Misstatement of age applies when an incorrect age affects premium or benefits. Payment actions is not the standard policy provision being tested here. Therefore, the correct answer is A. Unpaid premium .
質問 # 101
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NY-Life-Accident-and-Health模擬練習: https://www.it-passports.com/NY-Life-Accident-and-Health.html