NY SERIES 17-52 EXAM 2025 QUESTIONS
AND ANSWERS
How many eligible employees must be included in a contributory health insurance plan? -
ANS 50%
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, - ANS The insurance through his company is primary.
What is the period of coverage for events such as death or divorce under COBRA? - ANS 36
months
Twenty-five days after a health insurance policy is delivered, the policyowner decides that she
would like to return the policy and receive a refund of premium. Which of the following is true?
- ANS The policyowner will not receive a refund because the free-look period is over.
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? - ANS No
benefits
For the purpose of insurance, risk is defined as - ANS The uncertainty or chance of loss.
COPYRIGHT © 2025 FYNDLAY ALL RIGHTS RESERVED 1
, Which of the following is an example of a producer's fiduciary duty? - ANS The trust that a
client places in the producer in regard to handling premiums.
Which of the following is NOT true of basic medical expense plans? - ANS Coverage for
catastrophic medical expenses
Which of the following is NOT a feature of a noncancellable policy? - ANS The insurer may
terminate the contract only at renewal for certain conditions.
What is the best way to change an application? - ANS Start over with a fresh application
On a major medical insurance policy, the amount that an insured must pay on a claim before
the insurer will pay is known as - ANS Deductible.
Which of the following is correct about a group health insurance policy issued in New York? -
ANS It cannot exclude newborn children from coverage.
Which of the following is NOT a characteristic of a group long-term disability plan? - ANS The
benefit can be up to 50% of one's yearly income.
In which Medicare supplemental policies are the core benefits found? - ANS All plans
When benefits are paid directly to the insured under a health insurance policy, the policy
provides benefits on what type of basis? - ANS Reimbursement
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? -
ANS Conversion
COPYRIGHT © 2025 FYNDLAY ALL RIGHTS RESERVED 2
AND ANSWERS
How many eligible employees must be included in a contributory health insurance plan? -
ANS 50%
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, - ANS The insurance through his company is primary.
What is the period of coverage for events such as death or divorce under COBRA? - ANS 36
months
Twenty-five days after a health insurance policy is delivered, the policyowner decides that she
would like to return the policy and receive a refund of premium. Which of the following is true?
- ANS The policyowner will not receive a refund because the free-look period is over.
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? - ANS No
benefits
For the purpose of insurance, risk is defined as - ANS The uncertainty or chance of loss.
COPYRIGHT © 2025 FYNDLAY ALL RIGHTS RESERVED 1
, Which of the following is an example of a producer's fiduciary duty? - ANS The trust that a
client places in the producer in regard to handling premiums.
Which of the following is NOT true of basic medical expense plans? - ANS Coverage for
catastrophic medical expenses
Which of the following is NOT a feature of a noncancellable policy? - ANS The insurer may
terminate the contract only at renewal for certain conditions.
What is the best way to change an application? - ANS Start over with a fresh application
On a major medical insurance policy, the amount that an insured must pay on a claim before
the insurer will pay is known as - ANS Deductible.
Which of the following is correct about a group health insurance policy issued in New York? -
ANS It cannot exclude newborn children from coverage.
Which of the following is NOT a characteristic of a group long-term disability plan? - ANS The
benefit can be up to 50% of one's yearly income.
In which Medicare supplemental policies are the core benefits found? - ANS All plans
When benefits are paid directly to the insured under a health insurance policy, the policy
provides benefits on what type of basis? - ANS Reimbursement
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? -
ANS Conversion
COPYRIGHT © 2025 FYNDLAY ALL RIGHTS RESERVED 2
