変化する地域に対応するには、問題を解決する効率を改善する必要があります。これは、試験に対処するだけでなく、多くの側面を反映しています。 NY-Life-Accident-and-Health実践教材は、あなたがそれを実現するのに役立ちます。これらの時間に敏感な試験の受験者にとって、重要なニュースで構成される高効率のNY-Life-Accident-and-Health実際のテストは、最高の助けになります。定期的にそれらを練習することによってのみ、あなたはあなたに明らかな進歩が起こったのを見るでしょう。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
| Topic 2: Accident and Health Insurance | 35% | - Health Insurance Basics
|
| Topic 3: Life Insurance Products and Provisions | 30% | - Types of Life Insurance Policies
|
| Topic 4: Insurance Regulation and General Principles | 20% | - Insurance Concepts
|
>> NY-Life-Accident-and-Health資料的中率 <<
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質問 # 81
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：A
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 # 82
Which of the following is a characteristic of level premium term life insurance?
正解：A
解説：
The correct answer is The cost of insurance is averaged throughout the life of the contract . Level premium term life insurance provides protection for a specified period-such as 10, 20, or 30 years-while keeping the premium amount the same each year during the term period . Even though the insured's probability of death increases as they age, the premium remains level because the insurer averages the cost of insurance over the entire term of the policy .
In the early years of the policy, the insured is statistically less likely to die, so the premium collected is somewhat higher than the actual cost of protection at that time. In later years, the risk of death increases, but the premium remains unchanged because the earlier excess premiums help offset the higher cost of coverage later in the term. This structure creates stable and predictable premium payments for the policyowner.
The other options are incorrect. Term life insurance does not build cash value , and the benefit amount is not necessarily lower or tied to life expectancy calculations in the manner described. The defining feature is the level premium created by averaging the cost over the policy term .
質問 # 83
Which of the following is an example of risk sharing?
正解：B
解説：
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 .
質問 # 84
The cost of a long-term care policy is based on all of the following EXCEPT
正解：C
解説：
The correct answer is D. personal income. The premium for a long-term care (LTC) insurance policy is determined primarily by underwriting and policy design factors rather than the applicant's income level.
Insurers evaluate several key elements when calculating the cost of coverage. One major factor is the applicant's age at the time of purchase, because the probability of needing long-term care services increases as a person gets older. Another important factor is the applicant's health condition, since insurers evaluate medical history and current health status to assess the likelihood of future claims.
The level of benefits provided is also a significant pricing factor. Policy features such as the daily benefit amount, benefit period, elimination period, inflation protection, and optional riders all affect the overall premium cost. Higher benefit levels and broader coverage typically result in higher premiums.
However, personal income is not used to determine the cost of a long-term care insurance policy. While income may influence whether an individual can afford a policy or qualifies for certain financial assistance programs, it is not a rating factor used to calculate LTC premiums. Therefore, the correct answer is personal income.
質問 # 85
With respect to small group health benefit plans, a carrier may discontinue coverage or may refuse to renew such a plan if the employer
正解：C
解説：
Under New York small group health benefit plan rules, carriers generally must renew coverage for an employer group, but there are specific exceptions where a carrier is permitted to discontinue or refuse renewal
. One of the primary permitted reasons is nonpayment of premium -if the employer does not pay required premiums within the policy's allowed timeframes (including any required grace period), the carrier may terminate or nonrenew coverage because the group is no longer meeting the contractual payment obligation.
The other options do not typically qualify as valid statutory reasons for nonrenewal in the small group market.
Merely employing fewer than 15 full-time employees is not a trigger for termination (small group status is based on employer size definitions, but size alone doesn't justify cancellation). Filing for bankruptcy is not, by itself, a standard guaranteed-renewability exception. Having supplemental coverage with another carrier also does not allow a carrier to cancel, because employers may coordinate coverage arrangements. Therefore, the only option that matches an allowed discontinuance/nonrenewal basis is failure to pay premiums before the end of the grace period .
質問 # 86
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