Insurance Licensing品質の点では、NY-Life-Accident-and-HealthのNew York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55練習エンジンは手頃な価格で持続不可能です。 近年、あらゆる業界のコストが常に増加していますが、NY-Life-Accident-and-Health学習教材は低レベルのままです。 それは、私たちの会社が私たちの日常業務を導く顧客志向の信条を見ているからです。 富や名声の達成は、NY-Life-Accident-and-Health練習エンジンのNew York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55効率と専門性についての刺激的なフィードバックよりも重要です。 だから、私たちCertJukenの練習教材はあなたが誇りに思うべき素晴らしい教材です！
| Section | Objectives |
|---|---|
| Topic 1: State Regulations (New York) | - Licensing requirements
|
| Topic 2: Accident and Health Insurance | - Policy features and provisions
|
| Topic 3: Insurance Fundamentals | - Insurance contract law basics
|
>> NY-Life-Accident-and-Healthテキスト <<
NY-Life-Accident-and-Health認定試験の難しさで近年、資格認定試験に合格した受験生はますます少なくなっていたと良く知られます。だから、我々社のIT専門家は長年にわたりInsurance Licensing NY-Life-Accident-and-Health認定資格試験問題集作成に取り組んで、有効なNY-Life-Accident-and-Health試験問題集を書きました。実際の試験に表示される質問と正確な解答はあなたのInsurance Licensing NY-Life-Accident-and-Health認定資格試験合格を手伝ってあげます。素晴らしい試験参考書です。
質問 # 91
Which of the following is a Health Insurance Policy where the insurer has the right to change the premiums for policyowners, but CANNOT cancel the policy?
正解：C
解説：
The correct answer is A guaranteed renewable policy . In accident and health insurance, a guaranteed renewable policy gives the policyowner the right to continue the coverage in force, usually up to a specified age, as long as premiums are paid on time. The insurer cannot cancel the policy , but it does retain the right to change the premium . Any premium change must generally apply to an entire class of insureds, not just to one individual policyholder.
This is what distinguishes guaranteed renewable policies from noncancellable policies. A noncancellable policy also cannot be canceled by the insurer, but in addition, the insurer cannot increase the premium during the guaranteed period. Therefore, if the question states that the insurer may change premiums but may not cancel the policy, the correct classification is guaranteed renewable.
The other choices are incorrect because conditionally renewable and optionally renewable policies allow the insurer greater control over continuation and possible termination under specified conditions. Those forms do not provide the same renewal protection to the insured. Therefore, the policy described in the question is a guaranteed renewable policy .
質問 # 92
When marketing to groups for health insurance, who should be issued a certificate as proof of coverage?
正解：D
解説：
The correct answer is B. Employee. In group health insurance, the master policy is issued to the policyholder or sponsor , which is typically the employer or organization sponsoring the plan. Individual members of the group-usually employees-are not issued the master policy itself. Instead, they receive a certificate of coverage that summarizes the benefits, limitations, and procedures for obtaining benefits under the group plan. This certificate serves as the individual's proof of insurance coverage .
Under group insurance arrangements, each insured participant receives a certificate explaining the coverage provided under the master contract and outlining the essential features of the insurance. ( app.achievable.me ) The other options are incorrect because the sponsor or employer receives the master policy , not the certificate of coverage. The HMO or insurer is the entity providing the coverage and issuing the documents, not the party receiving the certificate as proof of coverage. Therefore, when health insurance is marketed to groups, the employee (or covered member) is issued a certificate as evidence of insurance coverage .
質問 # 93
An annuity that guarantees a given number of income payments, whether or not the annuitant is alive to receive them, is referred to as
正解：B
解説：
The correct answer is A. a life annuity certain. A life annuity certain combines two features: it provides income for the life of the annuitant , but it also guarantees that payments will continue for at least a specified minimum period or number of payments, even if the annuitant dies before all of those guaranteed payments have been made. In that case, the remaining guaranteed payments are paid to the designated beneficiary or recipient for the rest of the certain period. This is why the question emphasizes that the payments continue whether or not the annuitant is alive to receive them .
This distinguishes it from a straight life annuity, which stops payments at the annuitant's death and provides no further benefits. The other choices are not the standard insurance term used for this annuity arrangement.
Assured life annuity , guaranteed survivor annuity , and irrevocable endowed annuity are not the recognized licensing terms that match this definition. In annuity terminology used in life insurance studies, the correct name for an annuity that guarantees a stated number of payments while still being based on life income is a life annuity certain .
質問 # 94
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT
正解：C
解説：
Life insurance underwriting relies on multiple sources to evaluate an applicant's insurability and assign an appropriate risk classification. Beyond the application, the Medical Information Bureau (MIB), and consumer reports, insurers commonly obtain additional medical information through medical questionnaires (supplemental health questions), attending physician statements (APS) from the applicant's doctor, and physical examinations (often including measurements, vitals, and sometimes lab work) when required by the insurer's underwriting guidelines. These tools help confirm medical history, clarify conditions disclosed on the application, and verify current health status so the insurer can make a fair underwriting decision.
However, insurers generally do not obtain information through genetic testing as part of routine underwriting.
Licensing materials typically treat genetic testing as an excluded underwriting source because of legal and regulatory protections that restrict requesting or using genetic test results in insurance decisions. Therefore, while questionnaires, APS reports, and physical exams are standard underwriting information sources, genetic testing is the exception.
質問 # 95
In accidental injury insurance, the insurance policy, the endorsements, and any relevant papers attached to the policy make up the:
正解：C
解説：
The correct answer is B. Entire contract. In accident and health insurance, the entire contract provision states that the policy, together with any attached endorsements, riders, and application materials made part of the policy, constitutes the full legal agreement between the insurer and the insured. This is an important consumer- protection rule because it prevents either party, especially the insurer, from relying on outside statements or documents that were not made part of the policy. In other words, only the documents physically attached to or incorporated into the contract are considered part of the insurance agreement.
This is why the other choices are incorrect. A completed application may become part of the contract only if it is attached, but it is not by itself the full contract. Uniform mandatory policy provisions are required clauses that must appear in accident and health policies, but they are not the name for the full set of policy documents.
A notice of coverage is simply evidence or summary of insurance and is not the legal contract itself.
Therefore, when the question describes the policy, endorsements, and attached papers together, that combination is known as the entire contract .
質問 # 96
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