New York Insurance Adjuster
License Chapter 4 Exam
Questions and Answers 100%
PASS
What provision describes a responsibility of an insured who is making a claim?—ANSWER--
Proof of loss
What is the minimum number of days the grace period must contain in an accident and
sickness policy which provides for a weekly premium payment—ANSWER--10 days
Under the intoxicants and narcotics provision, the company can deny liability:—ANSWER--TO
injuries received by an insured caused by a person under the influence of narcotics not
prescribed by a physician
The provision that states the contract owner and the endorsements together form the whole
contract between the contract owner and the company is called:—ANSWER--Entire Contract
provision
The reinstatement provision in health insurance:—ANSWER--Allows the insured to reinstate
the policy after coverage lapses
What is the minimum number of days the grace period must contain in an accident and
sickness policy which provides for a weekly premium payment?—ANSWER--7 days
, A written form submitted to a company by the insured for a loss is known as a:—ANSWER--
Proof of loss
If an agent accepts a premium on lapsed disability policy, what would be covered
immediately—ANSWER--Accident
The time limit on certain defense provisions require that no claim for loss incurred or
disability (as defined in the policy) commencing after two years from the date of the policy
shall be reduced or denied on the ground that:—ANSWER--A disease of physical condition
not excluded from coverage had existed prior to the effective date of the policy.
Which mandated provision assures the policyowner that no existing benefits can be denied
or compromised even if the insurer makes changes affecting future policies of like kind or
type?—ANSWER--Entire contract provision
If an insured becomes pregnant having family health insurance coverage, the newborn child
becomes insured:—ANSWER--immediately at birth
What provision requires the insurance company to pay claims promptly:—ANSWER--Time of
payment claim
Jim has a health insurance contract which contains a change of occupation provision. He
changes jobs and his new position is in a more hazardous occupation. He neglects to notify
the insurance company and two months later, is injured at work. What may the company
do?—ANSWER--Reduce the benefits to the premium rate applicable to the new occupation.
All of the following are optional provisions in individual health insurance policies except:—
ANSWER--Notice of claim.
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
License Chapter 4 Exam
Questions and Answers 100%
PASS
What provision describes a responsibility of an insured who is making a claim?—ANSWER--
Proof of loss
What is the minimum number of days the grace period must contain in an accident and
sickness policy which provides for a weekly premium payment—ANSWER--10 days
Under the intoxicants and narcotics provision, the company can deny liability:—ANSWER--TO
injuries received by an insured caused by a person under the influence of narcotics not
prescribed by a physician
The provision that states the contract owner and the endorsements together form the whole
contract between the contract owner and the company is called:—ANSWER--Entire Contract
provision
The reinstatement provision in health insurance:—ANSWER--Allows the insured to reinstate
the policy after coverage lapses
What is the minimum number of days the grace period must contain in an accident and
sickness policy which provides for a weekly premium payment?—ANSWER--7 days
, A written form submitted to a company by the insured for a loss is known as a:—ANSWER--
Proof of loss
If an agent accepts a premium on lapsed disability policy, what would be covered
immediately—ANSWER--Accident
The time limit on certain defense provisions require that no claim for loss incurred or
disability (as defined in the policy) commencing after two years from the date of the policy
shall be reduced or denied on the ground that:—ANSWER--A disease of physical condition
not excluded from coverage had existed prior to the effective date of the policy.
Which mandated provision assures the policyowner that no existing benefits can be denied
or compromised even if the insurer makes changes affecting future policies of like kind or
type?—ANSWER--Entire contract provision
If an insured becomes pregnant having family health insurance coverage, the newborn child
becomes insured:—ANSWER--immediately at birth
What provision requires the insurance company to pay claims promptly:—ANSWER--Time of
payment claim
Jim has a health insurance contract which contains a change of occupation provision. He
changes jobs and his new position is in a more hazardous occupation. He neglects to notify
the insurance company and two months later, is injured at work. What may the company
do?—ANSWER--Reduce the benefits to the premium rate applicable to the new occupation.
All of the following are optional provisions in individual health insurance policies except:—
ANSWER--Notice of claim.
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
