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NY STATE INSURANCE LICENSE PRACTICE
EXAM EXAM 2025| BRAND NEW ACTUAL
EXAM WITH 100% VERIFIED QUESTIONS AND
CORRECT SOLUTIONS| GUARANTEED VALUE
PACK| ACE YOUR GRADES.
Under what circumstance does an accident and health
insurer have the right to request an autopsy?
1. When the claim exceeds an amount specified in the policy
2. When 2 days have passed after death
3. When not prohibited by state law
4. When consent is given by the beneficiary - ANSWERS_3.
When not prohibited by state law
Which of the following accurately describes the "time limit
on certain defenses"?
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1. After a stated period of time, claims cannot be denied due
to material misrepresentation on the application
2. All claims can be disputed after two years
3. An insured cannot file a lawsuit within 90 days of the claim
being filed
4. The right to return an accident and health policy must be
within 10 days of policy delivery - ANSWERS_1. After a stated
period of time, claims cannot be denied due to material
misrepresentation on the application
Patrick purchased a long-term care policy. He has a health
condition for which medical treatment was recommended by
a physician within 6 months prior to the policy's effective
date. This condition is called a(n)
1. antecedent condition
2. pre-existing condition
3. hazardous condition
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4. grandfathered condition - ANSWERS_2. pre-existing
condition
Which of the following describes coverage for the Medicare
Part B coinsurance?
1. Only a Long-term care policy will cover Medicare Part B
coinsurance
2. A Medicare Supplement optional benefit
3. A Medicare Supplement core benefit
4. Medicare Part B does not require a coinsurance so no
additional coverage is needed - ANSWERS_3. A Medicare
Supplement core benefit
Larry has a Major Medical Expense policy for his family with a
$1,000 per family/per year deductible and an 80/20
coinsurance provision. If Larry's family files four claims of
$400, $800, $100, and $700 in one year, how much will the
insurance company pay?
1. $500
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2. $800
3. $1,000
4. $1,200 - ANSWERS_2. $800
(($400 + $800 + $100 + $700 = $2,000. The insurance
company pays 80% of $1,000 (outstanding balance after
deductible is paid), or $800.))
Long-term care policies issued in New York must provide
benefits for at least
1. 6 months
2. 12 months
3. 18 months
4. 24 months - ANSWERS_2. 12 months
NY STATE INSURANCE LICENSE PRACTICE
EXAM EXAM 2025| BRAND NEW ACTUAL
EXAM WITH 100% VERIFIED QUESTIONS AND
CORRECT SOLUTIONS| GUARANTEED VALUE
PACK| ACE YOUR GRADES.
Under what circumstance does an accident and health
insurer have the right to request an autopsy?
1. When the claim exceeds an amount specified in the policy
2. When 2 days have passed after death
3. When not prohibited by state law
4. When consent is given by the beneficiary - ANSWERS_3.
When not prohibited by state law
Which of the following accurately describes the "time limit
on certain defenses"?
, Page |2
1. After a stated period of time, claims cannot be denied due
to material misrepresentation on the application
2. All claims can be disputed after two years
3. An insured cannot file a lawsuit within 90 days of the claim
being filed
4. The right to return an accident and health policy must be
within 10 days of policy delivery - ANSWERS_1. After a stated
period of time, claims cannot be denied due to material
misrepresentation on the application
Patrick purchased a long-term care policy. He has a health
condition for which medical treatment was recommended by
a physician within 6 months prior to the policy's effective
date. This condition is called a(n)
1. antecedent condition
2. pre-existing condition
3. hazardous condition
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4. grandfathered condition - ANSWERS_2. pre-existing
condition
Which of the following describes coverage for the Medicare
Part B coinsurance?
1. Only a Long-term care policy will cover Medicare Part B
coinsurance
2. A Medicare Supplement optional benefit
3. A Medicare Supplement core benefit
4. Medicare Part B does not require a coinsurance so no
additional coverage is needed - ANSWERS_3. A Medicare
Supplement core benefit
Larry has a Major Medical Expense policy for his family with a
$1,000 per family/per year deductible and an 80/20
coinsurance provision. If Larry's family files four claims of
$400, $800, $100, and $700 in one year, how much will the
insurance company pay?
1. $500
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2. $800
3. $1,000
4. $1,200 - ANSWERS_2. $800
(($400 + $800 + $100 + $700 = $2,000. The insurance
company pays 80% of $1,000 (outstanding balance after
deductible is paid), or $800.))
Long-term care policies issued in New York must provide
benefits for at least
1. 6 months
2. 12 months
3. 18 months
4. 24 months - ANSWERS_2. 12 months
