你買了KaoGuTi的產品，我們會全力幫助你通過認證考試，而且還有免費的一年更新升級服務。如果官方改變了認證考試的大綱，我們會立即通知客戶。如果有我們的軟體有任何更新版本，都會立即推送給客戶。KaoGuTi是可以承諾幫你成功通過你的第一次Insurance Licensing NY-Life-Accident-and-Health 認證考試。
| Section | Objectives |
|---|---|
| Accident and Health Insurance | - Policy features and provisions
|
| State Regulations (New York) | - Ethics and compliance
|
| Insurance Fundamentals | - Insurance contract law basics
|
>> NY-Life-Accident-and-Health測試題庫 <<
只要你需要考試，我們就可以隨時更新Insurance Licensing NY-Life-Accident-and-Health認證考試的培訓資料來滿足你的考試需求。KaoGuTi的培訓資料包含Insurance Licensing NY-Life-Accident-and-Health考試的練習題和答案，能100%確保你通過Insurance Licensing NY-Life-Accident-and-Health考試。有了我們為你提供的培訓資料，你可以為你參加考試做更好的準備，而且我們還會為你提供一年的免費的更新服務。
問題 #89
Which type of group has a constitution and bylaws, is organized and maintained in good faith for purposes other than obtaining insurance, and has insurance for the purpose of covering members and their employees?
答案：C
解題說明：
An association or labor group is a type of eligible group used in group insurance arrangements. These groups are typically formed for professional, trade, or labor-related purposes , not primarily to obtain insurance coverage. To qualify for group insurance, such associations must usually meet certain regulatory standards.
These include having a formal organizational structure , such as a constitution and bylaws , and being organized and maintained in good faith for reasons other than purchasing insurance.
The group insurance coverage is then offered to members of the association and often their employees , allowing individuals who share a common professional or labor affiliation to obtain insurance benefits through the association. Because these organizations already exist for legitimate purposes-such as promoting professional interests, labor representation, or trade development-regulators allow them to sponsor group insurance plans.
The other options do not match the description provided. Credit insurance groups relate to loan repayment protection. Multiple employer groups involve several employers joining together to provide coverage, and employee/employer groups are typical workplace plans sponsored by a single employer. The description given specifically fits an association or labor group .
問題 #90
In health insurance policies, the reinstatement provision is
答案：D
解題說明：
The correct answer is A. mandatory. In accident and health insurance policies, the reinstatement provision is one of the Uniform Individual Accident and Sickness Policy Provisions , which are required by law to appear in individual health insurance contracts. These provisions are designed to ensure consistency and consumer protection in policy wording. Because they are mandated by regulation, insurers must include them in individual accident and health insurance policies.
The reinstatement provision explains how a policy that has lapsed because of nonpayment of premium may be restored. Typically, reinstatement occurs when the insurer accepts a late premium payment after the grace period has expired. When reinstated, the policy again becomes active, but the provision generally states that coverage for sickness begins after a specified waiting period (often 10 days) from the date of reinstatement, while coverage for accidents is usually restored immediately .
Since the reinstatement clause is one of the required uniform policy provisions mandated for accident and health insurance policies, it is not optional or elective . Therefore, the reinstatement provision in health insurance policies is mandatory .
問題 #91
With respect to a life settlement contract, no person shall directly or indirectly pay a referral or finders fee to any person other than the
答案：D
解題說明：
The correct answer is life settlement broker . Under New York Insurance Law Article 78 , the life settlement rules prohibit paying a referral or finder's fee to most persons connected with the policyowner, including the owner's physician, attorney, accountant, insurance producer, insurance consultant, or other person providing medical, legal, or financial planning services . The statute specifically states that such compensation may not be paid to any of those persons, or to any other person representing the owner, other than a life settlement broker .
This rule is designed to prevent conflicts of interest and to ensure that recommendations about life settlements are not improperly influenced by side compensation. New York permits compensation only where it is paid in connection with the role of a licensed life settlement broker , because that person is regulated under the state's life settlement framework. The broker is the recognized professional authorized to represent the owner in the transaction and receive compensation in that capacity.
問題 #92
Penalties that may be levied by the Department of Insurance for committing insurance fraud do NOT include
答案：B
解題說明：
The correct answer is D. probation. In New York insurance regulation, the Department's enforcement powers for insurance-law violations and fraud-related misconduct commonly include civil fines and license disciplinary action , such as suspension or revocation of an insurance producer's license. New York Insurance Law § 2110 specifically authorizes the Superintendent to refuse to renew, suspend, or revoke a producer's license, and DFS disciplinary action records show those sanctions being imposed in practice.
In addition, New York's fraud enforcement materials explain that civil monetary penalties may be imposed for fraudulent insurance acts. DFS's fraud division report states that Insurance Law § 403 authorizes the Department to levy civil penalties against individuals who commit fraudulent insurance acts.
By contrast, probation is not one of the standard penalties listed in this New York insurance-licensing/fraud context for the Department's administrative sanctions on producers in the exam material framework. The tested distinction is that the Department may impose fines, suspension, and revocation , but not probation as the answer choice here. Therefore, the option that is not included is probation
問題 #93
An insured individual purchases a disability policy with a waiver of premium rider on January 1. The individual is disabled on June 1. On July 1, he receives proof of permanent and total disability, and submits a claim. He begins receiving benefits on July 15. When are his premiums waived?
答案：C
解題說明：
A waiver of premium rider on a disability policy is designed to keep coverage in force by waiving required premium payments once the insured becomes totally disabled , subject to the policy's conditions (such as required proof and any waiting/elimination period stated in the rider). The key concept tested is that waiver is tied to the date the disability begins , not the date proof is submitted or the date benefit checks start. Proof of disability (submitted July 1) is the administrative step that allows the insurer to approve the waiver, but the waiver itself applies because the insured has been disabled since June 1 . In standard disability provisions, if premiums are paid while the claim is being evaluated (or during any waiting period), those premiums are typically refunded once the waiver is approved, because the rider treats premiums as waived back to the disability start date (or back to the end of any stated waiting period, depending on the contract). Since June 1 is the onset of total disability, that is when the premium waiver is considered effective for purposes of this question.
問題 #94
......
KaoGuTi為你提供了不同版本的資料以方便你的使用。PDF版的NY-Life-Accident-and-Health考古題方便你的閱讀，為你真實地再現考試題目。軟體版本的NY-Life-Accident-and-Health考古題作為一個測試引擎，可以幫助你隨時測試自己的準備情況。如果你想知道你是不是充分準備好了NY-Life-Accident-and-Health考試，那麼你可以利用軟體版的考古題來測試一下自己的水準。這樣你就可以快速找出自己的弱點和不足，進而有利於你的下一步學習安排。
NY-Life-Accident-and-Health試題: https://www.kaoguti.com/NY-Life-Accident-and-Health_exam-pdf.html