P age
n n n n |1
n
NY STATE INSURANCE LICENSE PRACTICE
n n n n
n EXAM EXAM 2025| BRAND NEW ACTUAL n n n n n
n EXAM WITH 100% VERIFIED QUESTIONS AND
n n n n n
n CORRECT SOLUTIONS| GUARANTEED VALUE n n n
n PACK| ACE YOUR GRADES. n n n
Under what circumstance does an accident and health insurer
n n n n n n n n
have the right to request an autopsy?
n n n n n n n
1. When the claim exceeds an amount specified in the policy
n n n n n n n n n
2. When 2 days have passed after death
n n n n n n
3. When not prohibited by state law
n n n n n
4. When consent is given by the beneficiary - ANSWERS_3.
n n n n n n n n
When not prohibited by state law
n n n n n n
Which of the following accurately describes the "time limit on
n n n n n n n n n
certain defenses"?
n n
, P age
n n n n |2 n
1. After a stated period of time, claims cannot be denied due
n n n n n n n n n n
to material misrepresentation on the application
n n n n n n
2. All claims can be disputed after two years
n n n n n n n
3. An insured cannot file a lawsuit within 90 days of the claim
n n n n n n n n n n n
being filed
n n
4. The right to return an accident and health policy must be
n n n n n n n n n n
within 10 days of policy delivery - ANSWERS_1. After a stated
n n n n n n n n n n n
period of time, claims cannot be denied due to material
n n n n n n n n n n
misrepresentation on the application
n n n n
Patrick purchased a long-term care policy. He has a health
n n n n n n n n n
condition for which medical treatment was recommended by a
n n n n n n n n n
physician within 6 months prior to the policy's effective date.
n n n n n n n n n n
This condition is called a(n)
n n n n n
1. antecedent condition n
2. pre-existing condition n
3. hazardous condition n
, P age
n n n n |3
n
4. grandfathered condition - ANSWERS_2. pre-existing n n n n
condition
n
Which of the following describes coverage for the Medicare
n n n n n n n n
Part B coinsurance?
n n n
1. Only a Long-term care policy will cover Medicare Part B
n n n n n n n n n
coinsurance
n
2. A Medicare Supplement optional benefit
n n n n
3. A Medicare Supplement core benefit
n n n n
4. Medicare Part B does not require a coinsurance so non n n n n n n n n
additional coverage is needed - ANSWERS_3. A Medicare
n n n n n n n n
Supplement core benefit
n n n
Larry has a Major Medical Expense policy for his family with a
n n n n n n n n n n n
$1,000 per family/per year deductible and an 80/20
n n n n n n n
coinsurance provision. If Larry's family files four claims of
n n n n n n n n n
$400, $800, $100, and $700 in one year, how much will the
n n n n n n n n n n n
insurance company pay?
n n n
1. $500
, P age
n n n n |4
n
2. $800
3. $1,000
4. $1,200 - ANSWERS_2. $800
n n n
(($400 + $800 + $100 + $700 = $2,000. The insurance
n n n n n n n n n n
company pays 80% of $1,000 (outstanding balance after
n n n n n n n n
deductible is paid), or $800.))
n n n n n
Long-term care policies issued in New York must provide
n n n n n n n n
benefits for at least
n n n n
1. 6 months
n
2. 12 months
n
3. 18 months
n
4. 24 months - ANSWERS_2. 12 months
n n n n n
n n n n |1
n
NY STATE INSURANCE LICENSE PRACTICE
n n n n
n EXAM EXAM 2025| BRAND NEW ACTUAL n n n n n
n EXAM WITH 100% VERIFIED QUESTIONS AND
n n n n n
n CORRECT SOLUTIONS| GUARANTEED VALUE n n n
n PACK| ACE YOUR GRADES. n n n
Under what circumstance does an accident and health insurer
n n n n n n n n
have the right to request an autopsy?
n n n n n n n
1. When the claim exceeds an amount specified in the policy
n n n n n n n n n
2. When 2 days have passed after death
n n n n n n
3. When not prohibited by state law
n n n n n
4. When consent is given by the beneficiary - ANSWERS_3.
n n n n n n n n
When not prohibited by state law
n n n n n n
Which of the following accurately describes the "time limit on
n n n n n n n n n
certain defenses"?
n n
, P age
n n n n |2 n
1. After a stated period of time, claims cannot be denied due
n n n n n n n n n n
to material misrepresentation on the application
n n n n n n
2. All claims can be disputed after two years
n n n n n n n
3. An insured cannot file a lawsuit within 90 days of the claim
n n n n n n n n n n n
being filed
n n
4. The right to return an accident and health policy must be
n n n n n n n n n n
within 10 days of policy delivery - ANSWERS_1. After a stated
n n n n n n n n n n n
period of time, claims cannot be denied due to material
n n n n n n n n n n
misrepresentation on the application
n n n n
Patrick purchased a long-term care policy. He has a health
n n n n n n n n n
condition for which medical treatment was recommended by a
n n n n n n n n n
physician within 6 months prior to the policy's effective date.
n n n n n n n n n n
This condition is called a(n)
n n n n n
1. antecedent condition n
2. pre-existing condition n
3. hazardous condition n
, P age
n n n n |3
n
4. grandfathered condition - ANSWERS_2. pre-existing n n n n
condition
n
Which of the following describes coverage for the Medicare
n n n n n n n n
Part B coinsurance?
n n n
1. Only a Long-term care policy will cover Medicare Part B
n n n n n n n n n
coinsurance
n
2. A Medicare Supplement optional benefit
n n n n
3. A Medicare Supplement core benefit
n n n n
4. Medicare Part B does not require a coinsurance so non n n n n n n n n
additional coverage is needed - ANSWERS_3. A Medicare
n n n n n n n n
Supplement core benefit
n n n
Larry has a Major Medical Expense policy for his family with a
n n n n n n n n n n n
$1,000 per family/per year deductible and an 80/20
n n n n n n n
coinsurance provision. If Larry's family files four claims of
n n n n n n n n n
$400, $800, $100, and $700 in one year, how much will the
n n n n n n n n n n n
insurance company pay?
n n n
1. $500
, P age
n n n n |4
n
2. $800
3. $1,000
4. $1,200 - ANSWERS_2. $800
n n n
(($400 + $800 + $100 + $700 = $2,000. The insurance
n n n n n n n n n n
company pays 80% of $1,000 (outstanding balance after
n n n n n n n n
deductible is paid), or $800.))
n n n n n
Long-term care policies issued in New York must provide
n n n n n n n n
benefits for at least
n n n n
1. 6 months
n
2. 12 months
n
3. 18 months
n
4. 24 months - ANSWERS_2. 12 months
n n n n n
