CertShikenは長い歴史を持っているInsurance LicensingのNY-Life-Accident-and-Healthトレーニング資料が提供されるサイトです。IT領域で長い時間に存在していますから、現在のよく知られていて、知名度が高い状況になりました。これは受験生の皆様を助けた結果です。CertShikenが提供したInsurance LicensingのNY-Life-Accident-and-Healthトレーニング資料は問題と解答に含まれていて、IT技術専門家たちによって開発されたものです。Insurance LicensingのNY-Life-Accident-and-Health認定試験を受けたいのなら、CertShikenを選ぶのは疑いないことです。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Fundamentals | 25-30% | - Policy types and provisions - Dividends and nonforfeiture options - Policy riders and endorsements - Policy reinstatement - Beneficiary designations |
| Topic 2: New York State Regulations | 20-25% | - Advertising regulations - Replacement and churn rules - Licensing requirements and procedures - Fiduciary responsibilities - Consumer protection regulations - NYS Insurance Law requirements |
| Topic 3: Accident and Health Insurance | 25-30% | - Medical expense coverage - Long-term care insurance basics - Major medical coverage - Health insurance policy types (individual, group, HMOs) - Disability income insurance - Dental and vision insurance basics |
| Topic 4: General Insurance Principles | 15-20% | - Underwriting principles - Fair claims settlement practices - Agent/broker duties and ethics - Ethical sales practices - Insurance contract fundamentals |
>> NY-Life-Accident-and-Health試験勉強過去問 <<
NY-Life-Accident-and-Health試験資料の一つの利点は時間を節約できることです。言い換えば、受験者は短い時間をかけて勉強したら、NY-Life-Accident-and-Health試験に合格できます。従って、NY-Life-Accident-and-Health試験資料を勉強する時間が短くてもいいです。NY-Life-Accident-and-Health試験資料はそんなにいい商品、何故選びませんか?また、弊社はいいサービスを提供します。NY-Life-Accident-and-Health資料を勉強するとき、何か質問がありましたら、弊社と連絡できます。
質問 # 11
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 # 12
Clark will be doing business as an agent. When MUST he be appointed by the insurer?
正解：C
質問 # 13
The difference between the face value of a life insurance policy and its cash value is the
正解：A
解説：
The correct answer is C. net amount. In life insurance, the difference between a policy's face amount and its cash value is commonly referred to in licensing terminology as the net amount at risk , and exam questions often shorten that phrase to net amount . This represents the portion of the death benefit the insurer is actually risking at a given time because the cash value already belongs to the policyowner and offsets part of the insurer's exposure. As cash value increases over the life of a permanent policy, the insurer's net amount at risk generally decreases. NAIC life insurance regulatory material describes the amount subtracted from the policy's face value to determine the net amount at risk , which is consistent with this concept. ( NAIC ) The other options are not correct insurance terms for this relationship. Market value applies more to investments or securities. Assumed amount is not the standard term used in life insurance contract analysis.
Term value is also incorrect because term insurance generally does not build cash value. Therefore, the recognized answer is net amount , meaning the policy's net amount at risk . ( NAIC )
質問 # 14
Which of the following statements is TRUE regarding a waiver of premium rider?
正解：B
解説：
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.
質問 # 15
What is an insurer ' s liability when it is discovered after an insured dies that the insured ' s age on the policy was misstated?
正解：B
解説：
The correct answer is C . In life insurance, when the insured's age has been misstated, the policy is not voided solely because of that error. Instead, the insurer applies the misstatement of age provision , which adjusts the amount payable to the amount of insurance that the premium actually paid would have purchased at the insured's correct age . Since age is one of the most important factors in determining life insurance premiums, an incorrect age means the premium collected may have been too high or too low for the coverage originally stated.
If the insured understated age, the premiums paid would have purchased less coverage at the correct older age, so the death benefit is reduced proportionately. If the insured overstated age, the premiums paid may have purchased more coverage , and the benefit could be increased accordingly. This adjustment method preserves fairness to both the insurer and the policyowner by matching benefits to the premium that should have applied.
The policy does not become entirely unenforceable, and the insurer does not simply pay the full face amount without adjustment. Therefore, the proper liability is a prorated amount based on the correct age , making Option C correct
質問 # 16
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私たちに知られているように、適切な学習計画はすべての人々にとって非常に重要です。競争力を高めるために、学習計画を立てる必要があります。 NY-Life-Accident-and-Healthの実際の試験は、優れた学習計画の作成に役立つと考えています。 NY-Life-Accident-and-Health学習教材を使用して、限られた時間でモデルテストを行うことができます。モデルテストを完了すると、システムがパフォーマンスに応じてレポートを生成します。あなたがマスターしていない知識ポイントを知ることができます。 NY-Life-Accident-and-Health調査の質問からのレポートによる。そうすれば、NY-Life-Accident-and-Health試験に簡単に合格できます。
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