NY-Life-Accident-and-Health Demotesten, NY-Life-Accident-and-Health Testking

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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Insurance Regulation and General Principles	20%	- Insurance Concepts 1. Contract Law and Policy Structure 2. Risk Management and Insurable Interest - New York Insurance Code and Laws 1. Licensing Requirements and Procedures 2. Producer Responsibilities and Ethics 3. Unfair Trade Practices
Topic 2: Accident and Health Insurance	35%	- Policy Provisions and Claims 1. Eligibility and Enrollment 2. Coordination of Benefits - Government Health Programs 1. New York State Specific Programs 2. Medicare and Medicaid - Health Insurance Basics 1. Group vs Individual Coverage 2. Medical Expense and Disability Income
Topic 3: Life Insurance Products and Provisions	30%	- Types of Life Insurance Policies 1. Term, Whole Life, Universal Life 2. Annuities and Retirement Products - Policy Provisions, Riders and Options 1. Beneficiary Designations 2. Non-forfeiture Values and Dividends
Topic 4: Underwriting, Marketing and Sales Practices	15%	- Sales and Customer Service 1. Suitability and Disclosure Requirements - Application and Underwriting Procedures 1. Risk Classification and Selection

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Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 NY-Life-Accident-and-Health Prüfungsfragen mit Lösungen (Q58-Q63):

58. Frage
Which of the following is a potential DISADVANTAGE of a fixed annuity?

A. Payments continue only for a maximum of 2 years after the annuitant ' s death.
B. The insured invests payments in variable securities, and the return fluctuates with an uncertain economic market.
C. Annuitants could experience a decrease in the purchasing power of their payments over a period of years due to inflation.
D. There is no guaranteed specific benefit amount to the annuitant.

Antwort: C

Begründung:
A fixed annuity provides payments (or credited interest during accumulation) based on a guaranteed rate and
/or guaranteed payout set by the insurer. Because the payment amount is generally level once annuitized (unless an inflation rider or increasing-payment option is selected), the key drawback is inflation risk : over time, rising prices can reduce the purchasing power of those fixed payments. In other words, the annuitant may receive the same dollar amount each period, but that amount may buy less in the future.
Option B describes a feature more consistent with variable annuities , where benefits are not guaranteed at a specific level because values depend on investment performance. Option C is also a characteristic of variable annuities (separate account investments and fluctuating returns), not fixed annuities. Option D is not a standard limitation of fixed annuities; payout periods depend on the selected settlement option (life, period certain, joint life, etc.), not an automatic "2 years after death" cap. Therefore, the commonly tested disadvantage of a fixed annuity is the potential erosion of buying power due to inflation.
Thought for a few seconds

59. Frage
Under the Affordable Care Act, insurers MUST offer plans within health insurance exchanges that meet distinct levels of coverage. What metal tier is REQUIRED to have an actuarial value of 70% with covered individuals paying 30% through deductibles, co-pays, and other cost sharing features?

A. Platinum Plan.
B. Bronze Plan.
C. Silver Plan.
D. Gold Plan.

Antwort: C

Begründung:
Under the Affordable Care Act (ACA), qualified health plans offered on the individual and small-group exchanges are categorized into metal tiers based on actuarial value (AV) -the percentage of expected average medical costs the plan is designed to pay for a standard population. The ACA's standard tiers are Bronze (60% AV) , Silver (70% AV) , Gold (80% AV) , and Platinum (90% AV) . A plan with a 70% actuarial value is therefore a Silver Plan , meaning that, on average, the insurer pays about 70% of covered healthcare expenses and covered individuals pay about 30% through deductibles, copayments, coinsurance, and other cost-sharing (not including premiums).
This question's wording matches the defining feature of the Silver tier: 70/30 cost-sharing on average . Gold and Platinum tiers have higher actuarial values (so lower expected cost sharing), while Bronze has a lower actuarial value (higher expected cost sharing). Therefore, the required tier at 70% AV is the Silver Plan .

60. Frage
Clark will be doing business as an agent. When MUST he be appointed by the insurer?

A. At the time the license application is submitted.
B. Within 20 days after commissions have been paid.
C. Within 15 days of submitting his license application.
D. Within 15 days of signing the agency contract.

Antwort: D

61. Frage
A company may insure an employee with specialized skills under a key employee disability insurance policy.
Which of the following statements is TRUE?

A. The employee ' s spouse is the beneficiary.
B. The employee pays the premium.
C. The employee is the applicant.
D. The business is the applicant.

Antwort: D

Begründung:
The correct answer is A. The business is the applicant. In key employee disability insurance (also called key person disability income), the purpose of coverage is to protect the business against financial loss if an employee with unique skills, knowledge, or production value becomes disabled. New York's Life, Accident and Health Agent/Broker examination content outline specifically includes "Business disability insurance" and "Key person disability income" as tested topics, confirming that this is a recognized business-use disability coverage concept in the New York licensing curriculum.
Under this arrangement, the business applies for and owns the policy , pays the premiums, and is generally the beneficiary of any benefits payable because the loss being insured is the company's loss, not the employee's family loss. Industry explanations of key person disability insurance are consistent on this point: the key employee is the insured , while the company buys the coverage and makes the premium payments .
That makes the other options incorrect. The employee's spouse is not the beneficiary, the employee usually does not pay the premium, and the employee is not the applicant.

62. Frage
The difference between the face value of a life insurance policy and its cash value is the

A. market value.
B. net amount.
C. assumed amount.
D. term value.

Antwort: B

Begründung:
The correct answer is C. net amount. In life insurance, the difference between a policy's face amount and its cash value is commonly referred to in licensing terminology as the net amount at risk , and exam questions often shorten that phrase to net amount . This represents the portion of the death benefit the insurer is actually risking at a given time because the cash value already belongs to the policyowner and offsets part of the insurer's exposure. As cash value increases over the life of a permanent policy, the insurer's net amount at risk generally decreases. NAIC life insurance regulatory material describes the amount subtracted from the policy's face value to determine the net amount at risk , which is consistent with this concept. ( NAIC ) The other options are not correct insurance terms for this relationship. Market value applies more to investments or securities. Assumed amount is not the standard term used in life insurance contract analysis.
Term value is also incorrect because term insurance generally does not build cash value. Therefore, the recognized answer is net amount , meaning the policy's net amount at risk . ( NAIC )

63. Frage
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