Insurance Licensing NY-Life-Accident-and-Health 덤프는 pdf버전,테스트엔진버전, 온라인버전 세가지 버전의 파일로 되어있습니다. pdf버전은 반드시 구매하셔야 하고 테스트엔진버전과 온라인버전은 pdf버전 구매시 추가구매만 가능합니다. pdf버전은 인쇄가능하기에 출퇴근길에서도 공부가능하고 테스트엔진버전은 pc에서 작동가능한 프로그램이고 온라인버전은 pc외에 휴태폰에서도 작동가능합니다.
| Section | Weight | Objectives |
|---|---|---|
| Accident and Health Insurance | 25-30% | - Medical expense coverage - Disability income insurance - Health insurance policy types (individual, group, HMOs) - Major medical coverage - Dental and vision insurance basics - Long-term care insurance basics |
| New York State Regulations | 20-25% | - Advertising regulations - Consumer protection regulations - Fiduciary responsibilities - Licensing requirements and procedures - Replacement and churn rules - NYS Insurance Law requirements |
| General Insurance Principles | 15-20% | - Insurance contract fundamentals - Underwriting principles - Ethical sales practices - Fair claims settlement practices - Agent/broker duties and ethics |
| Life Insurance Fundamentals | 25-30% | - Policy types and provisions - Dividends and nonforfeiture options - Beneficiary designations - Policy reinstatement - Policy riders and endorsements |
>> NY-Life-Accident-and-Health인증시험공부 <<
IT인증자격증은 여느때보다 강렬한 경쟁율을 보이고 있습니다. Insurance Licensing 인증NY-Life-Accident-and-Health시험을 통과하시면 취직 혹은 승진이나 연봉협상에 많은 도움이 되어드릴수 있습니다. Insurance Licensing 인증NY-Life-Accident-and-Health시험이 어려워서 통과할 자신이 없다구요? Fast2test덤프만 있으면 이런 고민은 이제 그만 하지않으셔도 됩니다. Fast2test에서 출시한 Insurance Licensing 인증NY-Life-Accident-and-Health덤프는 시장에서 가장 최신버전입니다.
질문 # 114
A common disaster clause states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the
정답：D
설명：
A common disaster clause (often discussed with "simultaneous death" situations) addresses what happens when the insured and the primary beneficiary die in the same accident and it is unclear who died first or they die within a very short period. To prevent the death benefit from being paid to the beneficiary's estate (and potentially creating delays, disputes, or unintended distribution), the policy provision directs the insurer to handle the claim as though the insured survived the beneficiary . When the insurer proceeds on that assumption, the primary beneficiary is treated as having predeceased the insured, so the death benefit is paid to the contingent beneficiary if one is named. If there is no contingent beneficiary, proceeds generally go according to the policy's default order (often to the insured's estate).
This clause helps ensure the insured's intended "next in line" recipients receive the proceeds and reduces administrative complications when deaths occur together. Therefore, the insurer proceeds as if the insured individual outlived the beneficiary .
질문 # 115
The statement, " Any person who knowingly and with intent to defraud any insurer or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty... " MUST appear in all New York
정답：D
설명：
The correct answer is applications for insurance and on all claim forms . Under New York insurance law , insurers are required to include a fraud warning statement on certain insurance documents to help prevent fraudulent insurance activities. This warning informs applicants and claimants that knowingly providing false information or concealing material facts for the purpose of misleading an insurer constitutes insurance fraud , which is a criminal offense and may also lead to civil penalties.
The regulation specifically requires that this fraud notice appear on all insurance applications and claim forms used within the state. The purpose is to ensure that individuals are clearly informed of the legal consequences of submitting false information when applying for insurance coverage or when filing a claim. By placing the warning directly on these documents, New York aims to discourage fraudulent behavior and strengthen compliance with insurance regulations.
The other options are incorrect because the fraud warning requirement does not apply broadly to general insurance communications, public documents, or credit applications. Instead, the law targets the two most critical documents where fraud might occur- insurance applications and claim forms .
질문 # 116
A policyowner may choose to have his/her life insurance policy dividends do all of the following EXCEPT
정답：D
설명：
The correct answer is B. accumulate without interest. In participating life insurance policies, dividends are not guaranteed, but when paid they may usually be applied in several standard ways. Common dividend options include taking the dividend in cash , using it to reduce the next premium , leaving it with the insurer to accumulate at interest , or using it to purchase paid-up additions , which increase the policy's death benefit and cash value. These are traditional dividend options tested in life insurance licensing materials.
The key word in this question is "without interest." If dividends are left with the insurer to accumulate, they normally accumulate at interest , not without interest. Therefore, that choice is the exception. Option A is a valid use of dividends because they can offset premium payments. Option C is also valid because the insurer may pay dividends directly to the policyowner in cash. Option D is valid because dividends can buy additional insurance protection , usually in the form of paid-up additions. For that reason, the only incorrect dividend use listed is accumulate without interest .
질문 # 117
When marketing to groups for health insurance, who should be issued a certificate as proof of coverage?
정답：D
설명：
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 .
질문 # 118
Who would NOT be covered under an additional insured rider attached to a life insurance policy?
정답：B
설명：
The correct answer is Employees . An additional insured rider on a life insurance policy is generally used to extend coverage to certain family members of the primary insured, rather than to unrelated business associates or workers. In standard life insurance practice, these riders commonly apply to persons who have a close family relationship with the insured, such as a spouse , minor children , and in some cases other qualifying dependents . The purpose is to provide limited additional life insurance protection under one policy for members of the insured's household or dependent family unit.
Employees do not fall within the normal scope of an additional insured rider on an individual life insurance policy. Coverage for employees is ordinarily handled through group life insurance , employer-sponsored plans
, or separate business-related insurance arrangements, not through a family rider attached to a personal life insurance contract.
This question tests the distinction between family-type dependent coverage and employment-related coverage
. Since a spouse, minor children, and dependent parents may be considered dependents for rider purposes, the choice that would not be covered under this rider is employees .
질문 # 119
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