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| Section | Objectives |
|---|---|
| Accident and Health Insurance | - Policy features and provisions
|
| State Regulations (New York) | - Licensing requirements
|
| Insurance Fundamentals | - Insurance contract law basics
|
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質問 # 18
If an annuitant dies during the accumulation period, his or her beneficiary will receive
正解：D
解説：
The correct answer is A. the greater of the accumulated cash value or the total premiums paid. During the accumulation period of an annuity, funds are being paid into the contract and grow on a tax-deferred basis. If the annuitant dies before the annuity has been annuitized, the contract does not simply disappear. Instead, the beneficiary is generally entitled to a death benefit . In standard annuity contract treatment used in licensing materials, that death benefit is usually the greater of the contract's accumulated value or the total premiums paid , less any withdrawals or outstanding charges if applicable under the contract terms.
This rule protects the beneficiary from receiving less than the value built into the contract and also helps ensure that the owner's contributions are not lost if death occurs before the payout phase begins. The other choices are incorrect. B is wrong because the beneficiary is not limited to the lesser amount. C is incorrect because annuities do provide value upon death during accumulation. D is also incorrect because the beneficiary does not receive both amounts added together; rather, the benefit is based on whichever is greater
. Therefore, the proper answer is A .
質問 # 19
Which of the following statements is TRUE concerning classification of risks?
正解：A
解説：
The true statement is D. Preferred risks pay a lower premium than standard risks. In life insurance underwriting, applicants are commonly grouped into classifications such as preferred, standard, and substandard (or rated) . A preferred risk is an insured who presents a lower-than-average likelihood of loss compared with a standard applicant, so that class generally receives more favorable premium rates. The NAIC glossary defines a preferred risk as an applicant whose likelihood of loss is lower than that of the standard applicant, which directly supports the lower-premium result.
The other choices are false. Substandard applicants are not "never" issued policies ; many are issued coverage, but usually at a higher premium through a rating . A rated policy means the insurer has charged extra because of higher risk, so it does not merit a lower premium. Likewise, a preferred individual is not issued a rated policy; preferred status reflects better-than-standard risk, while rated or substandard status reflects higher-than-standard risk. New York DFS's Life, Accident and Health exam outline includes classification of risks as a tested underwriting topic, consistent with this principle.
質問 # 20
Which of the following is required of a covered entity subject to New York ' s cybersecurity regulation?
正解：C
解説：
The correct answer is Conduct a risk assessment of its information system . Under New York's Cybersecurity Regulation (23 NYCRR 500) issued by the New York Department of Financial Services (NYDFS), covered entities such as insurance companies, producers, and other regulated financial institutions are required to establish and maintain a comprehensive cybersecurity program designed to protect consumers' nonpublic information and the integrity of the institution's information systems.
One of the core requirements of this regulation is that the covered entity must perform a periodic risk assessment . This assessment identifies internal and external cybersecurity risks that could threaten the confidentiality, integrity, or availability of information systems. The results of the risk assessment help the organization design appropriate cybersecurity policies, controls, and procedures, including access controls, data protection strategies, and incident response planning.
The other options are incorrect because the regulation does not require entities to eliminate every possible threat, publicly disclose system protections, or ensure disclosure of nonpublic information. Instead, the regulation emphasizes risk identification, monitoring, and management , making Option B the correct answer.
質問 # 21
If an insured under a life insurance policy dies with an outstanding loan balance then the death benefit will
正解：B
解説：
The correct answer is A. be reduced by the amount of the loan and interest owed. In permanent life insurance policies that build cash value, the policyowner may borrow against that cash value. However, if the insured dies before the loan is repaid, the insurer does not require the beneficiary to repay the loan first. Instead, the insurer deducts the outstanding loan balance plus any accrued interest from the death proceeds before paying the beneficiary. New York Life's consumer guidance states that the total outstanding loan balance, including accrued loan interest, reduces the life insurance benefit .
This makes the other options incorrect. B is wrong because the death benefit is still paid; it is simply reduced , not withheld until repayment. C is incorrect because both the principal and interest are deducted, not just the principal. D is also incorrect because the insurer deducts the entire indebtedness , not just interest. NAIC policy loan guidance is consistent with this principle by treating the policy loan plus accrued interest as part of the amount offset against policy proceeds at death.
質問 # 22
Insurance that is designed to pay the balance of a loan if the insured dies before the loan has been repaid in full is
正解：A
解説：
Credit life insurance is specifically structured to cover an outstanding debt if the insured dies before the loan is fully repaid. The benefit is generally tied to the loan balance, meaning the death benefit is usually decreasing over time as payments reduce the remaining amount owed. Its purpose is not to build cash value or provide long-term lifetime protection for family income needs; instead, it is designed to protect the lender (and indirectly the borrower's estate/family) by satisfying the debt obligation at death. This is why it differs from whole life and universal life, which are broader forms of permanent life insurance intended for long- range personal or family protection and may include cash value features. It also differs from a life settlement, which is the sale of an existing life insurance policy to a third party-not a type of loan-balance protection coverage. In licensing materials, "credit life" is the key term that matches "pay the balance of a loan if the insured dies."
質問 # 23
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