常々、時間とお金ばかり効果がないです。正しい方法は大切です。我々Japancertは一番効果的な方法を探してあなたにInsurance LicensingのNY-Life-Accident-and-Health試験に合格させます。弊社のInsurance LicensingのNY-Life-Accident-and-Healthソフトを購入するのを決めるとき、我々は各方面であなたに保障を提供します。購入した前の無料の試み、購入するときのお支払いへの保障、購入した一年間の無料更新Insurance LicensingのNY-Life-Accident-and-Health試験に失敗した全額での返金…これらは我々のお客様への承諾です。
| Section | Objectives |
|---|---|
| Insurance Fundamentals | - Principles of insurance and risk management
|
| Accident and Health Insurance | - Health insurance products
|
| State Regulations (New York) | - Licensing requirements
|
>> NY-Life-Accident-and-Health模擬問題集 <<
当社Insurance Licensingの専門家は、NY-Life-Accident-and-Healthトレーニング資料を毎日更新し、最新の更新をタイムリーに提供します。当社の製品および購入手順に関する疑問または質問がある場合は、いつでも当社のオンライン顧客サービス担当者にご連絡ください。古いクライアントに割引を提供します。購入前にNY-Life-Accident-and-Healthテスト問題を無料でダウンロードして試用できます。したがって、当社の製品には多くのメリットがあります。 NY-Life-Accident-and-Health試験問題を購入する前に、無料デモでNY-Life-Accident-and-Health模擬テストの特性と機能を知ることができます。
質問 # 34
The policy provision describing the responsibilities of the master policyowner is in
正解：C
解説：
The correct answer is A. group health policies . In a group health insurance plan , the actual contract is issued to the master policyowner , usually an employer, association, or trust. Because that party owns the master contract, the policy contains provisions describing the policyowner's responsibilities, such as premium remittance, eligibility administration, enrollment procedures, and notice requirements. Those duties belong in the group policy itself , not in the individual evidence given to insured members.
A certificate of coverage is provided to each covered employee or member to summarize benefits, exclusions, and rights under the group plan, but it is not the master contract and does not serve as the document that sets out the policyowner's contractual responsibilities. Choices C and D are incorrect because individual health or individual medical policies are issued directly to an individual policyowner, so there is no separate "master policyowner" structure as found in group insurance.
On licensing examinations, whenever the question refers to the master policyowner , it is a strong indicator that the subject is group insurance , making group health policies the correct choice.
質問 # 35
A common disaster clause states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the
正解：C
解説：
A common disaster clause (often discussed with "simultaneous death" situations) addresses what happens when the insured and the primary beneficiary die in the same accident and it is unclear who died first or they die within a very short period. To prevent the death benefit from being paid to the beneficiary's estate (and potentially creating delays, disputes, or unintended distribution), the policy provision directs the insurer to handle the claim as though the insured survived the beneficiary . When the insurer proceeds on that assumption, the primary beneficiary is treated as having predeceased the insured, so the death benefit is paid to the contingent beneficiary if one is named. If there is no contingent beneficiary, proceeds generally go according to the policy's default order (often to the insured's estate).
This clause helps ensure the insured's intended "next in line" recipients receive the proceeds and reduces administrative complications when deaths occur together. Therefore, the insurer proceeds as if the insured individual outlived the beneficiary .
質問 # 36
Which of the following statements BEST describes a single premium cash value policy?
正解：B
解説：
A single premium cash value life insurance policy is a form of permanent insurance that is fully funded with one lump-sum premium payment at the time of purchase. After that single payment is made, the policy is considered paid-up , meaning no additional premiums are required to keep the coverage in force for the policy' s duration (as long as no loans/withdrawals or other actions cause lapse). Because it is permanent insurance, it is designed to build cash value , and the death benefit remains in effect subject to the contract terms.
Option B is incorrect because "only one premium without evidence of insurability" describes a guaranteed insurability-type concept, not single premium funding; single premium policies still require underwriting at issue. Option C describes a waiver of premium benefit (typically waiving premiums during disability), not a single premium policy. Option D describes an annual premium mode (payment frequency), not a one-time premium. Therefore, the best description is that it requires only one payment to make the policy paid up.
質問 # 37
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
正解：B
解説：
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.
質問 # 38
Multiple policies that are rated for different communities and have substantially similar benefits as determined by the superintendent will be required to:
正解：A
解説：
The correct answer is pool experience . Under New York insurance rating rules , when an insurer has multiple policies that are community rated in different communities but provide substantially similar benefits , the Superintendent may require the insurer to pool the experience of those policies. Pooling experience means combining the claims and loss experience of the similar policies for rating purposes rather than allowing the insurer to separate them in a way that could distort rates or create unfair differences among insured groups.
This requirement supports the regulatory goal of fair and consistent community rating . Community rating is intended to prevent insurers from charging significantly different premiums to similarly situated insureds based on claims experience or selective grouping. If substantially similar plans were kept artificially separate, it could undermine the integrity of the rating system. By requiring pooled experience, New York helps ensure that premiums more accurately reflect the combined risk of comparable policy forms.
The other options are incorrect because the regulation does not automatically require insurers to merge plans , change benefits , or refile rates as the principal action in this circumstance. The specific regulatory requirement tested here is to pool experience .
質問 # 39
......
Japancertはあなたの１００パーセントの合格率を保証します。例外がないです。いまJapancertを選んで、あなたが始めたいトレーニングを選んで、しかも次のテストに受かったら、最も良いソース及び市場適合性と信頼性を得ることができます。JapancertのInsurance LicensingのNY-Life-Accident-and-Health問題集と解答はNY-Life-Accident-and-Health認定試験に一番向いているソフトです。
NY-Life-Accident-and-Health対策学習: https://www.japancert.com/NY-Life-Accident-and-Health.html