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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Life Insurance Products and Provisions | 30% | - Types of Life Insurance Policies
|
| Accident and Health Insurance | 35% | - Policy Provisions and Claims
|
| Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Underwriting, Marketing and Sales Practices | 15% | - Application and Underwriting Procedures
|
Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:
An insured individual who has been diagnosed with osteoporosis needs therapy in her home. Which type of long-term care benefit would be MOST appropriate for her?
- A. Skilled nursing care.
- B. Adult day care.
- C. Home health care.
- D. Intermediate care.
Correct Answer: C 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Which of the following is a characteristic of level premium term life insurance?
- A. It matches the level amount of protection on the insured ' s life expectancy.
- B. It provides for lower benefits.
- C. It can be used for cash value.
- D. The cost of insurance is averaged throughout the life of the contract.
Correct Answer: D 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
The cause of a loss is called
- A. an exposure.
- B. a peril.
- C. a risk.
- D. a hazard.
Correct Answer: B 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Which type of group has a constitution and bylaws, is organized and maintained in good faith for purposes other than obtaining insurance, and has insurance for the purpose of covering members and their employees?
- A. Credit Insurance group.
- B. Employee or individual employer group.
- C. Multiple employer group.
- D. Association or labor group.
Correct Answer: D 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
Under Workers ' Compensation, injured employees are covered for all of the following losses EXCEPT
- A. pain and suffering.
- B. occupational illness.
- C. medical expenses.
- D. loss of wages.
Correct Answer: A 🗳️
Explanation: Only visible for 2Pass4sure members. You can sign-up / login (it's free).
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