NY-Life-Accident-and-Health시험은 영어로 출제되는 만큼 시험난이도가 높다고 볼수 있습니다.하지만 NY-Life-Accident-and-Health덤프만 있다면 아무리 어려운 시험도 쉬워집니다. 오르지 못할 산도 정복할수 있는게 NY-Life-Accident-and-Health덤프의 우점입니다.NY-Life-Accident-and-Health덤프로 시험을 패스하여 자격증을 취득하시면 굳게 닫혔던 취업문도 자신있게 두드릴수 있습니다. NY-Life-Accident-and-Health덤프를 구매하시고 공부하시면 밝은 미래를 예약한것과 같습니다.
| Section | Weight | Objectives |
|---|---|---|
| Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
| Accident and Health Insurance | 35% | - Policy Provisions and Claims
|
| Insurance Regulation and General Principles | 20% | - Insurance Concepts
|
| Life Insurance Products and Provisions | 30% | - Types of Life Insurance Policies
|
>> NY-Life-Accident-and-Health학습자료 <<
Insurance Licensing NY-Life-Accident-and-Health시험패스는 어려운 일이 아닙니다. DumpTOP의 Insurance Licensing NY-Life-Accident-and-Health 덤프로 시험을 쉽게 패스한 분이 헤아릴수 없을 만큼 많습니다. Insurance Licensing NY-Life-Accident-and-Health덤프의 데모를 다운받아 보시면 구매결정이 훨씬 쉬워질것입니다. 하루 빨리 덤프를 받아서 시험패스하고 자격증 따보세요.
질문 # 76
Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?
정답：A
설명：
The correct answer is C. Joint. A joint life insurance policy insures two individuals-most commonly spouses-under one single contract , with the death benefit paid when the first insured person dies . This arrangement is commonly referred to as "first-to-die" coverage . Once the death benefit is paid following the first insured's death, the policy typically terminates because the contract has fulfilled its purpose. Joint life policies are often used in family financial planning when funds are needed immediately after the first spouse dies to cover expenses such as income replacement, debts, or final expenses.
This differs from survivorship life insurance , also known as second-to-die insurance , where the policy insures two people but the death benefit is paid only after the second insured dies . Survivorship policies are commonly used for estate planning or wealth transfer strategies. The other options are incorrect because dual capacity is not a standard life insurance policy type, and spousal is not the technical term used in life insurance contracts for a first-to-die policy. Therefore, a life insurance policy covering both spouses under one contract with payment at the first death is known as joint life insurance .
질문 # 77
Which of the following statements BEST describes a disability elimination period?
정답：A
질문 # 78
What is the primary feature of a Joint Life insurance policy?
정답：D
설명：
The correct answer is D. It insures two or more lives under one policy. A Joint Life insurance policy is written to cover more than one person under a single contract, most commonly two people such as spouses or business partners. Its defining characteristic is that multiple insured lives are covered by one policy rather than issuing separate individual policies for each person.
Choice A is incorrect because joint life insurance is not defined by requiring separate premiums for each insured. The premium is generally based on the joint coverage structure of the contract. Choice B describes a survivorship life policy , also called second-to-die insurance , which pays after the last insured dies. A joint life policy, by contrast, is typically associated with payment upon the first death , depending on the contract design. Choice C is also incorrect because although such policies may be used in estate or business planning, they are not designed exclusively for estate planning. Therefore, the primary feature that best describes a Joint Life insurance policy is that it insures two or more lives under one policy .
질문 # 79
Clark will be doing business as an agent. When MUST he be appointed by the insurer?
정답：D
질문 # 80
Which of the following is an example of risk sharing?
정답：C
설명：
Risk sharing is a risk management technique in which a group combines resources so that losses experienced by a few are spread across many. The classic insurance concept behind this is pooling : each participant contributes money to a common fund, and the fund is used to pay covered losses as they occur. Option B describes this directly- pooling money to cover malpractice exposures -because malpractice losses can be unpredictable and potentially severe, and sharing them across a group reduces the financial impact on any one member.
The other options describe different risk management methods. Option A (not purchasing a car) is risk avoidance -eliminating the exposure entirely. Option C (installing sprinklers) is risk reduction/loss control , lowering the frequency or severity of loss. Option D (purchasing an insurance policy) is primarily risk transfer
, shifting the financial consequences of specified losses to an insurer in exchange for a premium. Because only option B reflects spreading losses among a group through pooling, it is the best example of risk sharing .
질문 # 81
......
Insurance Licensing NY-Life-Accident-and-Health시험을 어떻게 패스할가 고민그만하시고 DumpTOP의Insurance Licensing NY-Life-Accident-and-Health시험대비덤프를 데려가 주세요. 가격이 착한데 비해 너무나 훌륭한 덤프품질과 높은 적중율은 DumpTOP가 아닌 다른곳에서 찾아볼수 없는 혜택입니다. Insurance Licensing NY-Life-Accident-and-Health 덤프구매전 데모부터 다운받아 공부해보세요.
NY-Life-Accident-and-Health인기자격증 덤프공부문제: https://www.dumptop.com/Insurance-Licensing/NY-Life-Accident-and-Health-dump.html