Study and Prepare with Insurance Licensing NY-Life-Accident-and-Health study material, That's Easy to pass With PracticeMaterial!
Last Updated: Sep 07, 2026
No. of Questions: 122 Questions & Answers with Testing Engine
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| Section | Weight | Objectives |
|---|---|---|
| Accident and Health Insurance | 35% | - Government Health Programs
|
| Underwriting, Marketing and Sales Practices | 15% | - Sales and Customer Service
|
| Life Insurance Products and Provisions | 30% | - Policy Provisions, Riders and Options
|
| Insurance Regulation and General Principles | 20% | - Insurance Concepts
|
Question 1
What information must be included in the statement accompanying an insurance claim payment made by an insurer?
A. The coverage under which the payment is being made
B. The reinsurance carrier involved
C. The agent ' s name and address
D. A list of all claimants involved
Question 2
Insurance agents have duties and responsibilities to the insured and the insurer. Which of the following responsibilities does an agent owe the insured during the policy year?
A. Help the insured file and follow up on claims.
B. Pay the insured ' s premiums if they are unable to do so.
C. Notify the insurance department when claims are paid.
D. Work with rating bureaus to establish insurer ratings.
Question 3
According to the Affordable Care Act, a child can remain on a parent ' s health benefit plan until the child
A. graduates from college.
B. marries.
C. reaches age 26.
D. reaches age 19.
Question 4
Which of the following statements BEST describes a disability elimination period?
A. A qualifying period.
B. A dollar deductible rather than a time deductible.
C. A benefit or utilization period.
D. A time deductible rather than a dollar deductible.
Question 5
When a provider does NOT have an agreement with the insurer for payment, they will be reimbursed
A. a relative fee.
B. an absolute fee.
C. a non-scheduled plan customary fee.
D. a usual, customary, and reasonable fee.
Solutions:
| Question 1 Answer: A | Question 2 Answer: A | Question 3 Answer: C | Question 4 Answer: D | Question 5 Answer: D |
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