꿈을 안고 사는 인생이 멋진 인생입니다. 고객님의 최근의 꿈은 승진이나 연봉인상이 아닐가 싶습니다. Insurance Licensing인증 NY-Life-Accident-and-Health시험은 IT인증시험중 가장 인기있는 국제승인 자격증을 취득하는데서의 필수시험과목입니다.그만큼 시험문제가 어려워 시험도전할 용기가 없다구요? 이제 이런 걱정은 버리셔도 됩니다. Pass4Test의 Insurance Licensing인증 NY-Life-Accident-and-Health덤프는Insurance Licensing인증 NY-Life-Accident-and-Health시험에 대비한 공부자료로서 시험적중율 100%입니다.
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Underwriting, Marketing and Sales Practices | 15% | - Sales and Customer Service
|
| Topic 2: Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Topic 3: Accident and Health Insurance | 35% | - Government Health Programs
|
| Topic 4: Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
>> NY-Life-Accident-and-Health최신 업데이트 공부자료 <<
Insurance Licensing인증 NY-Life-Accident-and-Health시험은 IT인증자격증중 가장 인기있는 자격증을 취득하는 필수시험 과목입니다. Insurance Licensing인증 NY-Life-Accident-and-Health시험을 패스해야만 자격증 취득이 가능합니다. Pass4Test의Insurance Licensing인증 NY-Life-Accident-and-Health는 최신 시험문제 커버율이 높아 시험패스가 아주 간단합니다. Insurance Licensing인증 NY-Life-Accident-and-Health덤프만 공부하시면 아무런 우려없이 시험 보셔도 됩니다. 시험합격하면 좋은 소식 전해주세요.
질문 # 91
Which of the following is a life insurance contract written on the life of an individual?
정답：C
설명：
The correct answer is D. Single-Life Insurance. A single-life insurance policy is a contract that covers one individual only . The death benefit is paid when that one insured person dies, provided the policy is in force.
This is the most basic and common form of life insurance coverage and is used when protection is needed on the life of one person, such as a wage earner, business owner, or parent. Because the contract is based on only one insured life, underwriting, premium calculation, and benefit payment are all tied to that single person's age, health, and policy terms.
The other choices are incorrect. A. Insurance is too broad and is not a specific type of life insurance contract.
B). Survivorship Policy covers two lives and typically pays upon the second death , not on a single individual alone. C. Joint Life Contract also covers two people , usually paying on the first death . Since the question asks for a policy written on the life of an individual , the proper term is Single-Life Insurance .
질문 # 92
Which of the following is a potential DISADVANTAGE of a fixed annuity?
정답：A
설명：
A fixed annuity provides payments (or credited interest during accumulation) based on a guaranteed rate and
/or guaranteed payout set by the insurer. Because the payment amount is generally level once annuitized (unless an inflation rider or increasing-payment option is selected), the key drawback is inflation risk : over time, rising prices can reduce the purchasing power of those fixed payments. In other words, the annuitant may receive the same dollar amount each period, but that amount may buy less in the future.
Option B describes a feature more consistent with variable annuities , where benefits are not guaranteed at a specific level because values depend on investment performance. Option C is also a characteristic of variable annuities (separate account investments and fluctuating returns), not fixed annuities. Option D is not a standard limitation of fixed annuities; payout periods depend on the selected settlement option (life, period certain, joint life, etc.), not an automatic "2 years after death" cap. Therefore, the commonly tested disadvantage of a fixed annuity is the potential erosion of buying power due to inflation.
Thought for a few seconds
질문 # 93
Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if
정답：B
설명：
The Affordable Care Act (ACA) requires health plans to maintain a formal internal claims and appeals process and to provide access to external review when appropriate. A key consumer protection under the ACA is that, after a claim is denied (an "adverse benefit determination"), the covered person must be given a reasonable opportunity to appeal. Standard ACA claims-and-appeals rules provide a specific filing window for an internal appeal: the insured generally has up to 180 days from receipt of the denial notice to submit the appeal. If an appeal request is made after that deadline, the insurer (or plan) may treat it as untimely and can refuse to accept it as a valid internal appeal.
The other options do not reflect ACA requirements. ACA appeals are not limited by a minimum dollar amount like $500, and plans cannot impose an appeal fee as a condition of filing. Also, ACA rules do not set a
"three appeals per year" cap; appeal rights are tied to adverse determinations, not an annual quota. Therefore, the insurer may refuse only if the appeal is filed more than 180 days after denial.
질문 # 94
Intentionally withholding information that should be provided to an insurer is known as
정답：B
설명：
The correct answer is A. concealment . In insurance, concealment means an applicant or insured intentionally fails to disclose a material fact that should be made known to the insurer. A material fact is any information that would affect the insurer's decision to issue the policy, set the premium, or determine the scope of coverage. Because insurers rely on full and truthful disclosure during underwriting, concealment can be treated as a form of misrepresentation and may give the insurer grounds to deny a claim or rescind the policy, depending on the circumstances and applicable law.
The other choices do not match this definition. Estoppel is a legal principle that can prevent a party from asserting a right when its own actions have caused another to rely to their detriment. Remission is not the standard insurance term for withholding information in underwriting. Twisting is an unfair trade practice involving inducing a policyowner to replace existing insurance using misleading comparisons. Since the question asks specifically about intentionally withholding information from an insurer, the correct term is concealment .
질문 # 95
According to Health Insurance Portability and Accountability Act (HIPAA), when can a group health policy renewal be denied?
정답：A
설명：
The correct answer is Participation or contribution rules have been violated . Under the Health Insurance Portability and Accountability Act (HIPAA), group health insurance plans are generally subject to guaranteed renewability requirements . This means that insurers must typically renew group coverage at the option of the employer or plan sponsor. However, HIPAA provides a few limited exceptions where renewal may legally be denied.
One of these exceptions occurs when the employer or group policyholder fails to comply with the insurer's participation or employer contribution requirements . Participation rules usually require a minimum percentage of eligible employees to enroll in the plan, while contribution rules require the employer to pay a specified portion of the premium. If the employer fails to meet these requirements or violates the contractual conditions, the insurer may have grounds to deny renewal of the group policy .
The other choices are incorrect. HIPAA does not allow insurers to deny renewal simply because the group had high claims experience , because the group size increased , or because contribution rules were changed . The critical factor is violation of participation or contribution requirements , making Option C the correct answer.
질문 # 96
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