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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
| Accident and Health Insurance | 35% | - Government Health Programs
|
| Insurance Regulation and General Principles | 20% | - New York Insurance Code and Laws
|
| Underwriting, Marketing and Sales Practices | 15% | - Sales and Customer Service
|
Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:
HICs usually structure copayments to discourage:
- A. Preventive care
- B. Prescription drug usage
- C. Non-emergency visits to the emergency room
- D. Outpatient X-rays
Correct Answer: C 🗳️
Explanation: Only visible for TestKingFree 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 TestKingFree members. You can sign-up / login (it's free).
Which of the following is a common exclusion from coverages found in accident and health policies?
- A. emergency room coverages
- B. coordination of benefits
- C. chiropractic services
- D. self-inflicted injuries
Correct Answer: D 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
When marketing to groups for health insurance, who should be issued a certificate as proof of coverage?
- A. HMO
- B. Sponsor
- C. Employer
- D. Employee
Correct Answer: D 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
If an annuitant dies during the accumulation period, his or her beneficiary will receive
- A. the lesser of the accumulated cash value or the total premiums paid.
- B. no monetary funds.
- C. the greater of the accumulated cash value or the total premiums paid.
- D. both the accumulated cash value and the total premiums paid.
Correct Answer: C 🗳️
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