NY STATE INSURANCE LICENSE PRACTICE EXAM 2024 WITH 100% CORRECT ANSWERS

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 Answer - 3. When not prohibited by state law Which of the following accurately describes the "time limit on certain defenses"? 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 Answer - 1. After a stated period of time, claims cannot be denied due to material misrepresentation on the application Patric