3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
NYS Life, accident, and health insurance Exam
2025 Actual exam (Testing Real Exam
Questions)and verified Answers ( 100% accurate)
GET IT RIGHT!!
Save
Terms in this set (385)
Which type of life 30-year decreasing term.
insurance policy is best
suited for paying off the
outstanding balance of a
30-year mortgage in the
event of the insured's
death?
How many days notice 30
does the ACA require
insurers to give before
rescinding coverage?
A signed good health Policy Delivery
statement may be
requested by a life
producer at the time of
Carol purchases a whole Not Guaranteeed
life policy that provides a
choice of dividend
options. This policy is
required to include a
statement that the
dividends are
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 1/57
,3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
Tim is confined to a Long-term care benefit rider
nursing home but doesn't
have a terminal illness.
Which life insurance rider
is designed to help pay
for this type of expense?
An insured is covered After two years of disability
under a group long-term
disability policy. Under
this type of policy, the
definition of disability
based on any occupation
typically applies
Sylvia purchased an Single premium deferred annuity
annuity for $100,000 from
the proceeds of an
inheritance. No further
payments are permitted
and the income stream
begins in 15 years. This
contract is a(n)
Which of these is NOT a Physical exams of group members
factor that influences
group health insurance
underwriting?
What is the grace period 10 days
required for an individual
accident and health
insurance policy with
monthly premiums?
In regards to technology States which operate with an Exchange must offer
and the ACA, which of an internet-based portal
the following statements
is correct?
Insurable interest One person benefits from another person's
involves what continued life
assumption?
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 2/57
,3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
Which of these policies is Single premium life
considered a whole life
policy?
Which of the following Misrepresenting pertinent policy provisions relating
would be considered an to coverage after a loss
unfair claims settlement
practice?
A policyowner is When the policy has a cash value
permitted to take out a
policy loan on a whole
life policy at what point?
Which of these is NOT a Former residence
factor during the health
insurance underwriting
process?
New York workers Intentional, self-inflicted injuries occurring on the
compensation laws job
exclude benefits for
disabilities caused by
When premiums are Insurer
determined, one factor
would be the expenses
of the
Scott has a life insurance equal the net single premium for the same face
policy in which the amount at the insured's attained age
dividends are left with
the insurance company.
This particular policy may
be paid up when the
cash value plus
accumulated dividends
During open enrollment There is no minimum age requirement
for Medicare Supplement
coverage, an applicant
MUST be at least
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 3/57
, 3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
What happens to the Subject to market value adjustment
cash value of a market
value adjusted annuity if
it's surrendered prior to
the end of the stated
guarantee period?
Which of the following Flexible premium fixed annuity
contracts offer deferred
taxation, flexible
payments, a guaranteed
interest rate, and death
benefits equal to the
cash value?
Tonya has been Her employer's group accident and health plan
diagnosed with kidney
failure and has group
accident and health
insurance through her
large employer. Which of
these accident and
health plans will be
primary during the
months following her
diagnosis?
Which statement It indicates evidence of an employee's insurance
regarding the certificate coverage
of insurance is accurate?
According to the ACA, Medical loss ratio
the proportion of
premium revenues spent
on clinical services and
quality improvements is
called the
Which of the following If credit, insurance, or employment was denied
statements regarding the because of an unfavorable report, the consumer
Fair Credit Reporting Act must be advised
is correct?
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 4/57
NYS Life, accident, and health insurance Exam
2025 Actual exam (Testing Real Exam
Questions)and verified Answers ( 100% accurate)
GET IT RIGHT!!
Save
Terms in this set (385)
Which type of life 30-year decreasing term.
insurance policy is best
suited for paying off the
outstanding balance of a
30-year mortgage in the
event of the insured's
death?
How many days notice 30
does the ACA require
insurers to give before
rescinding coverage?
A signed good health Policy Delivery
statement may be
requested by a life
producer at the time of
Carol purchases a whole Not Guaranteeed
life policy that provides a
choice of dividend
options. This policy is
required to include a
statement that the
dividends are
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 1/57
,3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
Tim is confined to a Long-term care benefit rider
nursing home but doesn't
have a terminal illness.
Which life insurance rider
is designed to help pay
for this type of expense?
An insured is covered After two years of disability
under a group long-term
disability policy. Under
this type of policy, the
definition of disability
based on any occupation
typically applies
Sylvia purchased an Single premium deferred annuity
annuity for $100,000 from
the proceeds of an
inheritance. No further
payments are permitted
and the income stream
begins in 15 years. This
contract is a(n)
Which of these is NOT a Physical exams of group members
factor that influences
group health insurance
underwriting?
What is the grace period 10 days
required for an individual
accident and health
insurance policy with
monthly premiums?
In regards to technology States which operate with an Exchange must offer
and the ACA, which of an internet-based portal
the following statements
is correct?
Insurable interest One person benefits from another person's
involves what continued life
assumption?
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 2/57
,3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
Which of these policies is Single premium life
considered a whole life
policy?
Which of the following Misrepresenting pertinent policy provisions relating
would be considered an to coverage after a loss
unfair claims settlement
practice?
A policyowner is When the policy has a cash value
permitted to take out a
policy loan on a whole
life policy at what point?
Which of these is NOT a Former residence
factor during the health
insurance underwriting
process?
New York workers Intentional, self-inflicted injuries occurring on the
compensation laws job
exclude benefits for
disabilities caused by
When premiums are Insurer
determined, one factor
would be the expenses
of the
Scott has a life insurance equal the net single premium for the same face
policy in which the amount at the insured's attained age
dividends are left with
the insurance company.
This particular policy may
be paid up when the
cash value plus
accumulated dividends
During open enrollment There is no minimum age requirement
for Medicare Supplement
coverage, an applicant
MUST be at least
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 3/57
, 3/2/25, 4:29 PM NYS Life, accident, and health insurance Exam 2025 Actual exam (Testing Real Exam Questions)and verified Answers ( 100% …
What happens to the Subject to market value adjustment
cash value of a market
value adjusted annuity if
it's surrendered prior to
the end of the stated
guarantee period?
Which of the following Flexible premium fixed annuity
contracts offer deferred
taxation, flexible
payments, a guaranteed
interest rate, and death
benefits equal to the
cash value?
Tonya has been Her employer's group accident and health plan
diagnosed with kidney
failure and has group
accident and health
insurance through her
large employer. Which of
these accident and
health plans will be
primary during the
months following her
diagnosis?
Which statement It indicates evidence of an employee's insurance
regarding the certificate coverage
of insurance is accurate?
According to the ACA, Medical loss ratio
the proportion of
premium revenues spent
on clinical services and
quality improvements is
called the
Which of the following If credit, insurance, or employment was denied
statements regarding the because of an unfavorable report, the consumer
Fair Credit Reporting Act must be advised
is correct?
https://quizlet.com/1012726610/nys-life-accident-and-health-insurance-exam-2025-actual-exam-testing-real-exam-questionsand-verified-answer… 4/57
