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NYS CIC MANDATORY COMPREHENSIVE STUDY GUIDE 2026 FULL QUESTIONS AND SOLUTIONS GRADED A+

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NYS CIC MANDATORY COMPREHENSIVE STUDY GUIDE 2026 FULL QUESTIONS AND SOLUTIONS GRADED A+

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NYS CIC MANDATORY COMPREHENSIVE STUDY GUIDE
2026 FULL QUESTIONS AND SOLUTIONS GRADED A+


● Life Only. Answer: Single life payout

● Period Certain. Answer: Guaranteed period

● Life with Period Certain. Answer: Combined option

● Joint and Survivor. Answer: Two-life payout

● Surrender Charge. Answer: Early withdrawal penalty

● Free Withdrawal. Answer: Penalty-free amount

● Property Insurance. Answer: Asset protection

● Homeowners Insurance. Answer: Dwelling coverage

● Dwelling Coverage. Answer: Structure protection

● Other Structures. Answer: Detached building coverage

● Personal Property. Answer: Contents coverage

● Loss of Use. Answer: Additional living expense

● Personal Liability. Answer: Legal responsibility coverage

● Medical Payments to Others. Answer: Guest medical

● Replacement Cost. Answer: Full replacement

● Actual Cash Value. Answer: Depreciated value

● Guaranteed Replacement Cost. Answer: Unlimited replacement

● Extended Replacement Cost. Answer: Percentage over limit

● Building Ordinance. Answer: Code upgrade

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