NY-Life-Accident-and-Health 擬真試題含蓋真實的考試指南，保證考生順利通過 NY-Life-Accident-and-Health 考試。考生需要在一定的時間內完成所有的 Insurance Licensing NY-Life-Accident-and-Health 考試測驗題，該考試隸屬于Insurance Licensing 認證助理認證體系。考生可以先到考試中心去打聽這科考試的有關的情況。了解考試的流程，考試的注意事項。預約一個合適的時間去報名參加 NY-Life-Accident-and-Health 考試即可。
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Topic 2: Accident and Health Insurance | 35% | - Government Health Programs
|
| Topic 3: Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
| Topic 4: Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
>> NY-Life-Accident-and-Health考試證照 <<
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問題 #87
Group long-term disability benefit amounts are usually limited to what percentage of the participant ' s income?
答案：C
解題說明：
Group long-term disability (LTD) insurance is designed to replace a portion of an employee's income when a disabling sickness or injury prevents the employee from working for an extended period. Because disability benefits are intended to reduce financial hardship while also discouraging overinsurance (where someone could receive more income disabled than working), group LTD plans typically set benefits as a percentage of pre-disability earnings . In standard A & H licensing materials, the most common benefit level used in group LTD is 60% of the participant's income , often expressed as 60% of gross monthly earnings (sometimes coordinated with other income benefits and subject to a maximum monthly cap).
This 60% level is commonly used because it balances meaningful income replacement with the fact that certain work-related expenses may decrease during disability, and because taxes may affect net take-home pay depending on who paid the premium (employer vs. employee). Higher percentages like 80% or 100% are generally not typical for group LTD due to moral hazard concerns and plan design limits, while 40% is more common in some short-term disability arrangements or minimal designs. Therefore, the usual limit is 60% .
問題 #88
How long can an insurer exclude coverage for a preexisting condition on a Medicare Supplement Policy?
答案：B
解題說明：
The correct answer is 6 months . A Medicare Supplement policy , also known as Medigap , may impose a waiting period for coverage of a preexisting condition , but that exclusion period is limited. Under standard Medicare Supplement rules, an insurer may exclude coverage for a preexisting condition for no more than 6 months after the policy's effective date. A preexisting condition generally refers to a condition for which medical advice was given or treatment was recommended or received within a specified period before coverage became effective.
This rule is intended to protect applicants while still allowing insurers limited control over immediate claims related to known medical conditions. In many cases, this exclusion period can also be reduced or eliminated when the applicant has had prior creditable coverage with no significant break in coverage. That is why Medicare Supplement regulations are often tested together with rules about replacement, guaranteed issue, and continuity of coverage.
The other options-12 months, 18 months, and 24 months-are too long for a Medicare Supplement preexisting condition exclusion period. For exam purposes, the maximum exclusion period on a Medigap policy is 6 months , making Choice A correct.
問題 #89
The limitation expressed in limited payment policies is a limit on the number of annual premiums or the
答案：C
解題說明：
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 .
問題 #90
What is an insurer ' s liability when it is discovered after an insured dies that the insured ' s age on the policy was misstated?
答案：C
解題說明：
The correct answer is C . In life insurance, when the insured's age has been misstated, the policy is not voided solely because of that error. Instead, the insurer applies the misstatement of age provision , which adjusts the amount payable to the amount of insurance that the premium actually paid would have purchased at the insured's correct age . Since age is one of the most important factors in determining life insurance premiums, an incorrect age means the premium collected may have been too high or too low for the coverage originally stated.
If the insured understated age, the premiums paid would have purchased less coverage at the correct older age, so the death benefit is reduced proportionately. If the insured overstated age, the premiums paid may have purchased more coverage , and the benefit could be increased accordingly. This adjustment method preserves fairness to both the insurer and the policyowner by matching benefits to the premium that should have applied.
The policy does not become entirely unenforceable, and the insurer does not simply pay the full face amount without adjustment. Therefore, the proper liability is a prorated amount based on the correct age , making Option C correct
問題 #91
An insured owns a whole life policy that has accumulated cash value. Which of the following statements is true about the policy ' s cash value?
答案：C
解題說明：
The correct answer is B. The growth of the policy's cash value is not subject to income tax while the policy is in force. Whole life insurance is a form of cash value life insurance . As premiums are paid, part of the premium funds the death benefit and expenses, while part builds cash value inside the policy. Under standard life insurance taxation principles, that internal cash value buildup generally grows on a tax-deferred basis , meaning it is not taxed annually while it remains within the policy. The NAIC explains that whole life policies build cash value over time and that this value grows without being taxed currently, and IRS guidance similarly distinguishes taxable situations from ordinary in-force policy growth.
The other choices are incorrect. A is wrong because whole life cash value is not normally taxed each calendar year. C is more characteristic of variable life , where values fluctuate with investment performance. D is incorrect because traditional whole life generally provides guaranteed minimum cash values under the contract, subject to policy terms and continued premium payment; New York DFS whole life product guidance reflects that whole life operates on a guaranteed basis and includes cash surrender value provisions.
問題 #92
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