New York Series 17-52 Life & Health
Insurance Test Bank – Complete Practice
Questions with Verified Answers &
Explanations – Updated 2025/2026 NY
Insurance Licensing Exam Prep
Description:
Pass the New York Series 17-52 Life & Health Insurance licensing
exam with this comprehensive test bank, featuring 100% verified
practice questions and detailed explanations. Covers NY insurance laws,
life insurance policies, health insurance plans, annuities, underwriting,
claims, and ethics. Fully updated for the 2025/2026 licensing cycle, ideal
for candidates preparing for the New York Department of Financial
Services exam.
, NY Series 17-52 Exam
QUESTION
A man works for Company A and his wife works for Company B. The spouses are
covered by health plans through their respective companies that also cover the
other spouse. If the husband files a claim,
Answer:
The insurance through his company is primary.
QUESTION
A medical insurance plan in which the health care provider is paid a regular fixed
amount for providing care to the insured and does not receive additional amounts
of compensation dependent upon the procedure performed is called
Answer:
Prepaid plan.
QUESTION
A rating method in which the premium is the same for all covered persons,
regardless of age, sex, or health status is referred to as
,Answer:
Community rating
QUESTION
An individual applies for a life policy. Two years ago he suffered a head injury
from an accident, so he cannot remember parts of his past, but is otherwise
competent. He has also been hospitalized for drug abuse, but does not remember
this when applying for insurance. The insurer issues the policy and learns of his
history one year later. What will probably happen?
Answer:
The policy will not be affected.
QUESTION
An insured is involved in a car accident. In addition to general, less serious
injuries, he permanently loses the use of his leg and is rendered completely blind.
The blindness improves a month later. To what extent will he receive Presumptive
Disability benefits?
Answer:
No benefits
QUESTION
At what point must an Outline of Coverage be delivered?
, Answer:
At the time of application or upon delivery of the policy
QUESTION
For the purpose of insurance, risk is defined as
Answer:
The uncertainty or chance of loss.
QUESTION
How many eligible employees must be included in a contributory health insurance
plan?
Answer:
50%
QUESTION
If an employee terminates her employment, which of the following provisions
would allow her to continue health coverage under an individual policy, if
requested within 60 days?
Insurance Test Bank – Complete Practice
Questions with Verified Answers &
Explanations – Updated 2025/2026 NY
Insurance Licensing Exam Prep
Description:
Pass the New York Series 17-52 Life & Health Insurance licensing
exam with this comprehensive test bank, featuring 100% verified
practice questions and detailed explanations. Covers NY insurance laws,
life insurance policies, health insurance plans, annuities, underwriting,
claims, and ethics. Fully updated for the 2025/2026 licensing cycle, ideal
for candidates preparing for the New York Department of Financial
Services exam.
, NY Series 17-52 Exam
QUESTION
A man works for Company A and his wife works for Company B. The spouses are
covered by health plans through their respective companies that also cover the
other spouse. If the husband files a claim,
Answer:
The insurance through his company is primary.
QUESTION
A medical insurance plan in which the health care provider is paid a regular fixed
amount for providing care to the insured and does not receive additional amounts
of compensation dependent upon the procedure performed is called
Answer:
Prepaid plan.
QUESTION
A rating method in which the premium is the same for all covered persons,
regardless of age, sex, or health status is referred to as
,Answer:
Community rating
QUESTION
An individual applies for a life policy. Two years ago he suffered a head injury
from an accident, so he cannot remember parts of his past, but is otherwise
competent. He has also been hospitalized for drug abuse, but does not remember
this when applying for insurance. The insurer issues the policy and learns of his
history one year later. What will probably happen?
Answer:
The policy will not be affected.
QUESTION
An insured is involved in a car accident. In addition to general, less serious
injuries, he permanently loses the use of his leg and is rendered completely blind.
The blindness improves a month later. To what extent will he receive Presumptive
Disability benefits?
Answer:
No benefits
QUESTION
At what point must an Outline of Coverage be delivered?
, Answer:
At the time of application or upon delivery of the policy
QUESTION
For the purpose of insurance, risk is defined as
Answer:
The uncertainty or chance of loss.
QUESTION
How many eligible employees must be included in a contributory health insurance
plan?
Answer:
50%
QUESTION
If an employee terminates her employment, which of the following provisions
would allow her to continue health coverage under an individual policy, if
requested within 60 days?
