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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Insurance Principles | 15-20% | - Insurance contract fundamentals - Fair claims settlement practices - Agent/broker duties and ethics - Ethical sales practices - Underwriting principles |
| Topic 2: New York State Regulations | 20-25% | - Consumer protection regulations - Fiduciary responsibilities - NYS Insurance Law requirements - Licensing requirements and procedures - Replacement and churn rules - Advertising regulations |
| Topic 3: Accident and Health Insurance | 25-30% | - Medical expense coverage - Dental and vision insurance basics - Health insurance policy types (individual, group, HMOs) - Long-term care insurance basics - Major medical coverage - Disability income insurance |
| Topic 4: Life Insurance Fundamentals | 25-30% | - Dividends and nonforfeiture options - Beneficiary designations - Policy reinstatement - Policy riders and endorsements - Policy types and provisions |
>> NY-Life-Accident-and-Health入門知識 <<
CertShikenのInsurance LicensingのNY-Life-Accident-and-Health「New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55」試験トレーニング資料はPDFぼ形式とソフトウェアの形式で提供して、CertShikenのInsurance LicensingのNY-Life-Accident-and-Health試験問題と解答に含まれています。NY-Life-Accident-and-Health認定試験の真実の問題に会うかもしれません。そんな問題はパーフェクトと称するに足って、効果的な方法がありますから、どちらのInsurance LicensingのNY-Life-Accident-and-Health試験に成功を取ることができます。CertShikenのInsurance LicensingのNY-Life-Accident-and-Health問題集は総合的にすべてのシラバスと複雑な問題をカバーしています。CertShikenのInsurance LicensingのNY-Life-Accident-and-Healthテストの問題と解答は本物の試験の挑戦で、あなたのいつもの考え方を変換しなければなりません。
質問 # 90
The limitation expressed in limited payment policies is a limit on the number of annual premiums or the
正解：C
解説：
The correct answer is age beyond which premiums will no longer be required . A limited-payment life insurance policy is a form of permanent life insurance designed so that the insured pays premiums for only a specified period of time , rather than for their entire lifetime. The limitation refers either to a fixed number of premium payments (for example, 10-pay or 20-pay life) or to a specific age at which premium payments stop
, such as Life Paid-Up at Age 65. After the required premium period ends, the policy remains fully in force for the remainder of the insured's lifetime , and the death benefit continues without any additional premium obligations.
This structure is attractive to policyholders who want to complete their premium payments during their working years and avoid paying premiums later in life, such as during retirement. Although premiums for limited-payment policies are typically higher than those for ordinary life policies , they allow the policy to become fully paid-up earlier .
The other choices are incorrect because limited-payment provisions do not limit policy benefits, policy loan amounts, or the interest credited to policy cash values. The limitation strictly concerns the duration of premium payments .
質問 # 91
Predicting an individual ' s future earning potential and determining how much of that amount would be devoted to his dependents incorporates the
正解：C
解説：
The correct answer is human life value approach . In life insurance planning, the human life value approach is used to estimate the economic value of an insured person's future earnings to those who depend on that income. It focuses on the idea that an individual's life has an insurable value based on the amount of income he or she is expected to earn in the future and the portion of that income that would have been used to support dependents. This method is commonly applied when determining how much life insurance is needed to replace the financial contribution of a wage earner.
Under this approach, factors such as current earnings, future earning capacity, years until retirement, inflation, taxes, and personal living expenses are considered. The amount available to dependents is then projected to help establish an appropriate death benefit.
The other options do not fit this definition. The needs approach centers on the survivors' financial needs after death, not strictly on future income value. "Loss exposure" and "salary projection" are not the standard life insurance need-analysis terms tested for this concept. Therefore, the correct answer is human life value approach .
質問 # 92
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
正解：A
解説：
During the accumulation period of an annuity, the contract owner is building value through premium payments and interest/earnings. If the annuitant dies before annuitization begins , the annuity does not simply disappear and the insurer does not "keep" the funds. Instead, the contract's value is paid out as a death benefit
, which is generally based on the annuity's cash value (account value) , subject to the contract's terms (for example, adjustments for surrender charges may or may not apply depending on the product). The payment is made to the named beneficiary on the contract, which is why beneficiary designation is important for annuities just as it is for life insurance.
Option B would apply only if there is no living beneficiary (or no valid beneficiary designation), in which case proceeds may be paid to the owner's estate. Option C is incorrect because the IRS is not the recipient of the cash value; taxes may be due on taxable gains, but proceeds are payable to beneficiaries/estate. Therefore, the correct answer is that the cash value is paid to the beneficiary.
質問 # 93
Which of the following is a basic benefit of Medicare Supplemental insurance?
正解：A
解説：
Medicare Supplement insurance (Medigap) is designed to fill gaps in Original Medicare (Parts A and B) by paying certain out-of-pocket expenses that Medicare does not pay in full. A commonly tested basic Medigap benefit is coverage for the first 3 pints of blood each year . Under Original Medicare, a beneficiary may be responsible for the cost of the first three pints of blood in a calendar year (unless replaced or covered under specific circumstances). Medigap policies include this "first three pints" coverage as part of the standardized core benefits, helping reduce the beneficiary's exposure to unexpected hospital or outpatient blood costs.
The other choices are not considered standard "basic" Medigap benefits. "At-home recovery" and certain
"preventive care" enhancements have been associated with limited or older plan designs rather than being universally basic. "Basic drugs limit of $1,250" reflects older outpatient prescription concepts that are largely associated with pre-Part D benefit structures and not a core Medigap basic benefit in the way the blood coverage is. Therefore, the correct basic benefit is the first 3 pints of blood each year .
質問 # 94
Which of the following is described when a selected group of practitioners, in a certain area, agrees to provide services at a pre-arranged cost on a fee-for-service basis?
正解：C
解説：
The correct answer is A. preferred provider organization. A Preferred Provider Organization (PPO) is a health care arrangement in which an insurer or plan contracts with a selected network of doctors, hospitals, and other providers in a geographic area to deliver medical services at negotiated or reduced charges . Federal and New York sources describe PPOs as networks of participating providers that agree to furnish care at discounted rates, while patients generally retain the flexibility to use non-network providers at a higher cost. That matches the question's description of a selected group of practitioners agreeing to provide services at a pre- arranged cost on a fee-for-service basis . ( HealthCare.gov ) The other options do not fit this definition. An indemnity organization traditionally reimburses covered losses and does not depend on a contracted provider network with prearranged fees. A risk purchasing group is associated with liability insurance purchasing arrangements, not standard health provider networks. Coalition group is not the recognized term for this managed care structure. Therefore, the correct description is a preferred provider organization . ( Department of Financial Services )
質問 # 95
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