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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Topic 2: Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
| Topic 3: Accident and Health Insurance | 35% | - Health Insurance Basics
|
| Topic 4: Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
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NEW QUESTION # 71
According to the Affordable Care Act, a child can remain on a parent ' s health benefit plan until the child
Answer: D
Explanation:
The correct answer is reaches age 26 . The Affordable Care Act (ACA) introduced a major change in health insurance dependent coverage rules by requiring most health insurance plans that provide dependent coverage to allow children to stay on their parent's health insurance policy until they reach age 26 . This rule applies to both individual and employer-sponsored health plans .
One important feature of this regulation is that eligibility does not depend on the child's marital status, student status, financial independence, or residence . This means a young adult may still remain covered under the parent's plan even if the child is married, living independently, or no longer attending school. The goal of this provision is to reduce the number of uninsured young adults who may otherwise lose coverage after finishing school or aging out of traditional dependent eligibility requirements.
The other options are incorrect because dependent coverage does not automatically end when the child marries, graduates from college, or turns age 19 . The ACA clearly sets the maximum age for dependent coverage at 26 years old , making Option C the correct answer.
Because the owner's physician, accountant, and insurance consultant are all specifically barred from receiving such referral compensation, the only correct option is D. life settlement broker .
NEW QUESTION # 72
The general enrollment period for Medicare Part B ends on
Answer: D
Explanation:
The correct answer is A. March 31. The General Enrollment Period (GEP) for Medicare Part B is the annual period for people who did not enroll when first eligible and who do not qualify for a Special Enrollment Period. According to the Centers for Medicare & Medicaid Services, the GEP runs each year from January 1 through March 31 . Medicare.gov and Social Security materials confirm the same timeframe for late enrollment into Part B.
This means the enrollment period ends on March 31 , making choices B, C, and D incorrect. May 31 and June
30 are outside the authorized general enrollment window, and December 31 is not the closing date for Part B' s GEP. Current CMS guidance also explains that when a person enrolls in Part B during the GEP, coverage begins the month after enrollment , rather than being delayed until July as under older rules. That timing update does not change the end date of the enrollment period itself, which remains March 31 . Therefore, under Medicare enrollment rules relevant to Accident and Health insurance licensing, the general enrollment period for Medicare Part B ends on March 31
NEW QUESTION # 73
With the majority of companies, within how many days does the free-look provision allow the insured the right to return the life insurance policy for full premium?
Answer: D
Explanation:
The free-look provision in life insurance policies allows a policyowner a specific period after receiving the policy to review the contract and decide whether to keep it. During this period, the policyowner may return the policy to the insurer or the agent and receive a full refund of any premium paid , with the contract treated as if it had never been issued. For most life insurance policies, the standard free-look period used by the majority of insurers is 10 days , making B the correct answer.
The purpose of the free-look provision is to protect consumers by giving them time to carefully review the policy provisions, benefits, exclusions, riders, and premium obligations after delivery. If the policyholder finds that the policy does not meet their expectations or financial needs, they can cancel without penalty during the free-look timeframe.
In many licensing materials and insurer training programs, including those aligned with New York Life Accident and Health study outlines, 10 days is the commonly tested free-look period for traditional life insurance policies. Some situations-such as replacement policies or certain senior policies-may allow longer review periods depending on state regulations, but 10 days remains the standard benchmark used in exam questions.
NEW QUESTION # 74
Which of the following is required of a covered entity subject to New York ' s cybersecurity regulation?
Answer: A
Explanation:
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.
NEW QUESTION # 75
The Health Insurance Portability and Accountability Act (HIPAA) ensures that qualified individuals who change jobs will have access to group health insurance with their new employer without
Answer: D
Explanation:
The Health Insurance Portability and Accountability Act (HIPAA) of 1996 was enacted to improve the portability and continuity of health insurance coverage for employees and their dependents when they change or lose jobs. One of the key protections provided by HIPAA is that individuals moving from one group health plan to another may receive credit for prior continuous health coverage . This means that the time a person was previously insured under a group health plan is applied toward any preexisting condition exclusion period under the new employer's plan.
As a result, qualified individuals who maintain continuous coverage generally do not have to satisfy a new preexisting condition waiting period when enrolling in a new group health insurance plan. This provision prevents employees from losing coverage for medical conditions that existed before joining the new plan.
However, HIPAA does not guarantee that premiums will remain the same , nor does it prevent changes in deductibles or benefit levels, since these factors depend on the design of the employer's health plan. The primary objective of HIPAA is portability of coverage and protection against new preexisting condition exclusions when changing employment.
NEW QUESTION # 76
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