Latest New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 practice test & NY-Life-Accident-and-Health pass guaranteed

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

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Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions (Q52-Q57):

NEW QUESTION # 52
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?

A. The cash value is paid to the beneficiary.
B. The company keeps the cash value.
C. The cash value is paid to the IRS.
D. The cash value is paid into the estate.

Answer: A

NEW QUESTION # 53
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 business is the applicant.
C. The employee is the applicant.
D. The employee pays the premium.

Answer: B

Explanation:
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.

NEW QUESTION # 54
Upon receipt of notice of claim, the insurance company will furnish to the claimant such forms for filing proof of loss within how many days?

A. 0
B. 1
C. 2
D. 3

Answer: C

Explanation:
In Accident and Health insurance policies, the Claims Provisions section outlines the procedures that must be followed when a loss occurs. One of the standard provisions concerns the insurer's responsibility after receiving a notice of claim from the insured or beneficiary. Once the insurer receives this notice, the company must provide the claimant with the necessary claim forms used to submit proof of loss . According to standard policy provisions used in health insurance contracts, the insurer is required to furnish these forms within 15 days after receiving the notice of claim.
These forms allow the claimant to provide detailed information regarding the loss, such as the nature of the injury or illness, dates of treatment, medical provider information, and other documentation required to process the claim. If the insurer fails to provide the forms within the required 15-day period , the claimant may still satisfy the proof-of-loss requirement by submitting a written statement describing the occurrence, character, and extent of the loss within the time allowed by the policy. This rule ensures that claim processing cannot be delayed simply because the insurer did not send the official forms in time.

NEW QUESTION # 55
Which of the following statements BEST describes a disability elimination period?

A. A benefit or utilization period.
B. A time deductible rather than a dollar deductible.
C. A qualifying period.
D. A dollar deductible rather than a time deductible.

Answer: B

NEW QUESTION # 56
When marketing to groups for health insurance, who should be issued a certificate as proof of coverage?

A. HMO
B. Sponsor
C. Employee
D. Employer

Answer: C

Explanation:
The correct answer is B. Employee. In group health insurance, the master policy is issued to the policyholder or sponsor , which is typically the employer or organization sponsoring the plan. Individual members of the group-usually employees-are not issued the master policy itself. Instead, they receive a certificate of coverage that summarizes the benefits, limitations, and procedures for obtaining benefits under the group plan. This certificate serves as the individual's proof of insurance coverage .
Under group insurance arrangements, each insured participant receives a certificate explaining the coverage provided under the master contract and outlining the essential features of the insurance. ( app.achievable.me ) The other options are incorrect because the sponsor or employer receives the master policy , not the certificate of coverage. The HMO or insurer is the entity providing the coverage and issuing the documents, not the party receiving the certificate as proof of coverage. Therefore, when health insurance is marketed to groups, the employee (or covered member) is issued a certificate as evidence of insurance coverage .

NEW QUESTION # 57
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