NY SERIES 17-52 COMPREHENSIVE EXAM 2026
QUESTIONS AND ANSWERS 100% CORRECT
◉ Primary insurance for spouses. Answer: The insurance through his
company is primary.
◉ Period of coverage under COBRA for death or divorce. Answer: 36
months
◉ Free-look period for health insurance policy. Answer: The
policyowner will not receive a refund because the free-look period is
over.
◉ Presumptive Disability benefits after car accident. Answer: No
benefits
◉ Definition of risk in insurance. Answer: The uncertainty or chance of
loss.
◉ Producer's fiduciary duty example. Answer: The trust that a client
places in the producer in regard to handling premiums.
, ◉ Basic medical expense plans characteristic. Answer: Coverage for
catastrophic medical expenses
◉ Noncancellable policy feature. Answer: The insurer may terminate the
contract only at renewal for certain conditions.
◉ Best way to change an application. Answer: Start over with a fresh
application
◉ Amount paid before insurer pays on major medical policy. Answer:
Deductible.
◉ Group health insurance policy in New York. Answer: Cannot exclude
newborn children from coverage.
◉ Group long-term disability plan characteristic. Answer: The benefit
can be up to 50% of one's yearly income.
◉ Medicare supplemental policies core benefits. Answer: All plans
◉ Basis for benefits paid directly to insured. Answer: Reimbursement
◉ Provision for continuing health coverage after employment
termination. Answer: Conversion
QUESTIONS AND ANSWERS 100% CORRECT
◉ Primary insurance for spouses. Answer: The insurance through his
company is primary.
◉ Period of coverage under COBRA for death or divorce. Answer: 36
months
◉ Free-look period for health insurance policy. Answer: The
policyowner will not receive a refund because the free-look period is
over.
◉ Presumptive Disability benefits after car accident. Answer: No
benefits
◉ Definition of risk in insurance. Answer: The uncertainty or chance of
loss.
◉ Producer's fiduciary duty example. Answer: The trust that a client
places in the producer in regard to handling premiums.
, ◉ Basic medical expense plans characteristic. Answer: Coverage for
catastrophic medical expenses
◉ Noncancellable policy feature. Answer: The insurer may terminate the
contract only at renewal for certain conditions.
◉ Best way to change an application. Answer: Start over with a fresh
application
◉ Amount paid before insurer pays on major medical policy. Answer:
Deductible.
◉ Group health insurance policy in New York. Answer: Cannot exclude
newborn children from coverage.
◉ Group long-term disability plan characteristic. Answer: The benefit
can be up to 50% of one's yearly income.
◉ Medicare supplemental policies core benefits. Answer: All plans
◉ Basis for benefits paid directly to insured. Answer: Reimbursement
◉ Provision for continuing health coverage after employment
termination. Answer: Conversion
