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Free New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Practice Questions

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Exam style questions across every NY-Life-Accident-and-Health domain

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Total Questions : 118

Start with our free NY-Life-Accident-and-Health practice questions, carefully crafted to mirror the domains, phrasing, and difficulty of the real Life, Accident, and Health exam. Each NY-Life-Accident-and-Health exam question comes with a detailed rationale that explains not just which answer is correct but why the others fall short. That's how concepts stick. Use the free set to benchmark yourself: identify your Insurance Licensing weak domains, see where you're losing marks, and build a focused study plan in minutes.

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Question # 11

If there is a conflict between a policy provision and state statutes the policy

Options:

A.  

must be reviewed by the insurance commissioner.

B.  

must meet minimum statute requirements.

C.  

can be submitted as written.

D.  

supersedes state statutes.

Discussion 0
Question # 12

The cause of a loss is called

Options:

A.  

a peril.

B.  

a hazard.

C.  

an exposure.

D.  

a risk.

Discussion 0
Question # 13

Which is an accurate description of the relationship between the premiums of a whole life policy and the premium payment period?

Options:

A.  

The payment period is not related to the annual premium.

B.  

The shorter the payment period, the lower the annual premium.

C.  

The shorter the payment period, the higher the annual premium.

D.  

The longer the payment period, the higher the annual premium.

Discussion 0
Question # 14

If an annuitant dies during the accumulation period, his or her beneficiary will receive

Options:

A.  

the greater of the accumulated cash value or the total premiums paid.

B.  

the lesser of the accumulated cash value or the total premiums paid.

C.  

no monetary funds.

D.  

both the accumulated cash value and the total premiums paid.

Discussion 0
Question # 15

Which of the following services must be provided by a health benefit plan issued on or after January 1, 2014?

Options:

A.  

Adult eye care services.

B.  

Long-term care services.

C.  

Adult dental care services.

D.  

Preventive health services.

Discussion 0
Question # 16

The PRIMARY purpose of respite care is to

Options:

A.  

ensure that the patient gets some skilled care.

B.  

provide the patient with social opportunities.

C.  

provide counseling services to the patient ' s primary caregiver.

D.  

provide temporary relief to the patient ' s primary caregiver.

Discussion 0
Question # 17

If a long-term care insurance policy or certificate replaces another long-term care policy, what does the replacing policy have to do?

Options:

A.  

allow a 45-day " free look " period

B.  

waive any preexisting conditions requirements after 30 days and allow for a 45-day " free look " period

C.  

waive any time periods applicable to preexisting conditions to the extent that similar exclusions have been satisfied under the original policy

D.  

waive any time periods applicable to preexisting conditions as long as the client agrees in writing to stay on a doctor recommended treatment schedule

Discussion 0
Question # 18

What information must be included in the statement accompanying an insurance claim payment made by an insurer?

Options:

A.  

A list of all claimants involved

B.  

The reinsurance carrier involved

C.  

The agent ' s name and address

D.  

The coverage under which the payment is being made

Discussion 0
Question # 19

Individuals who are eligible for Medicare on the first day of the month in which they turn age 65 are automatically enrolled in

Options:

A.  

Part

A.  

B.  

Part

B.  

C.  

Part

C.  

D.  

Part

D.  

Discussion 0
Question # 20

According to the Affordable Care Act, a child can remain on a parent ' s health benefit plan until the child

Options:

A.  

marries.

B.  

reaches age 19.

C.  

reaches age 26.

D.  

graduates from college.

Discussion 0

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