Insurance LicensingのNY-Life-Accident-and-Health試験に合格することは容易なことではなくて、良い訓練ツールは成功の保証でJpshikenは君の試験の問題を準備してしまいました。君の初めての合格を目標にします。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health Insurance | 35% | - Policy Provisions and Claims
|
| Topic 2: Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
| Topic 3: Underwriting, Marketing and Sales Practices | 15% | - Sales and Customer Service
|
| Topic 4: Insurance Regulation and General Principles | 20% | - Insurance Concepts
|
>> NY-Life-Accident-and-Health科目対策 <<
あなたはいまInsurance LicensingのNY-Life-Accident-and-Health認定試験にどうやって合格できるかということで首を傾けているのですか。Insurance LicensingのNY-Life-Accident-and-Health認定試験は現在のいろいろなIT認定試験における最も価値のある資格の一つです。ここ数十年間では、インターネット・テクノロジーは世界中の人々の注目を集めているのです。それがもう現代生活の不可欠な一部となりました。その中で、Insurance Licensingの認証資格は広範な国際的な認可を得ました。ですから、IT業界で仕事している皆さんはInsurance Licensingの認定試験を受験して資格を取得することを通して、彼らの知識やスキルを向上させます。NY-Life-Accident-and-Health認定試験はInsurance Licensingの最も重要な試験の一つです。この資格は皆さんに大きな利益をもたらすことができます。
質問 # 84
Which of the following CORRECTLY identifies the favorable income tax treatment afforded to annuities?
正解：C
解説：
The correct answer is C. Gains are taxed only on distribution. One of the major advantages of annuities is their tax-deferred growth . During the accumulation phase , the interest, dividends, or investment gains generated inside the annuity contract are not taxed annually . Instead, taxation is deferred until the policyholder begins taking withdrawals or receiving annuity payments. At that time, the portion of the payment representing earnings or gains becomes taxable as ordinary income. This tax deferral allows the funds inside the annuity to grow more efficiently because earnings can continue to compound without being reduced by yearly taxation.
The other options are incorrect. A is incorrect because annuity earnings are not tax deductible each year. B is also incorrect because earnings are not partially tax-exempt; rather, they are tax-deferred until distribution. D is incorrect because not all distributions are fully taxable. When annuity payments begin, part of each payment represents a return of the owner ' s principal (cost basis) and is not taxed, while only the earnings portion is subject to income tax. Therefore, the favorable tax treatment of annuities is that taxation on gains occurs only when distributions are taken
質問 # 85
What is the primary feature of a Joint Life insurance policy?
正解：A
解説：
The correct answer is D. It insures two or more lives under one policy. A Joint Life insurance policy is written to cover more than one person under a single contract, most commonly two people such as spouses or business partners. Its defining characteristic is that multiple insured lives are covered by one policy rather than issuing separate individual policies for each person.
Choice A is incorrect because joint life insurance is not defined by requiring separate premiums for each insured. The premium is generally based on the joint coverage structure of the contract. Choice B describes a survivorship life policy , also called second-to-die insurance , which pays after the last insured dies. A joint life policy, by contrast, is typically associated with payment upon the first death , depending on the contract design. Choice C is also incorrect because although such policies may be used in estate or business planning, they are not designed exclusively for estate planning. Therefore, the primary feature that best describes a Joint Life insurance policy is that it insures two or more lives under one policy .
質問 # 86
Upon receipt of notice of claim, the insurance company will furnish to the claimant such forms for filing proof of loss within how many days?
正解：D
解説：
In Accident and Health insurance policies, the Claims Provisions section outlines the procedures that must be followed when a loss occurs. One of the standard provisions concerns the insurer's responsibility after receiving a notice of claim from the insured or beneficiary. Once the insurer receives this notice, the company must provide the claimant with the necessary claim forms used to submit proof of loss . According to standard policy provisions used in health insurance contracts, the insurer is required to furnish these forms within 15 days after receiving the notice of claim.
These forms allow the claimant to provide detailed information regarding the loss, such as the nature of the injury or illness, dates of treatment, medical provider information, and other documentation required to process the claim. If the insurer fails to provide the forms within the required 15-day period , the claimant may still satisfy the proof-of-loss requirement by submitting a written statement describing the occurrence, character, and extent of the loss within the time allowed by the policy. This rule ensures that claim processing cannot be delayed simply because the insurer did not send the official forms in time.
質問 # 87
The following statement refers to which type of clause? "We have issued the policy in consideration of the representations in your application and payment of the first-term premium."
正解：B
解説：
The quoted statement describes the consideration clause because it identifies the items of value exchanged between the parties that make the insurance contract valid. In life insurance, the insurer's consideration is the promise to provide coverage under the terms of the policy, and the applicant's consideration is typically the statements or representations made in the application along with the payment of the initial premium . That is exactly what the statement says: the policy is issued in reliance on the application representations and the first premium payment.
This is different from the contestability clause , which explains the insurer's right to challenge the policy during a limited period, usually for material misrepresentation. It is also different from a whole contract clause , which states that the policy and attached application together form the entire contract. A concealment clause is not the standard clause being described here. On licensing exams, whenever a question quotes wording about the policy being issued "in consideration of" the application and premium, the correct answer is the consideration clause .
質問 # 88
Which of the following is a basic benefit of Medicare Supplemental insurance?
正解：B
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 # 89
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