10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
NYS Life, accident, and health insurance Exam
(2025) Exam Questions & Answers | Latest
Already Graded A+ UPDATE 2025|2026!!
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
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 1/59
,10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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
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?
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 2/59
,10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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 an
and the ACA, which of the internet-based portal
following statements is
correct?
Insurable interest involves One person benefits from another person's continued
what assumption? life
Which of these policies is Single premium life
considered a whole life
policy?
Which of the following Misrepresenting pertinent policy provisions relating to
would be considered an 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 job
compensation laws
exclude benefits for
disabilities caused by
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 3/59
, 10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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
What happens to the cash Subject to market value adjustment
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?
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 4/59
NYS Life, accident, and health insurance Exam
(2025) Exam Questions & Answers | Latest
Already Graded A+ UPDATE 2025|2026!!
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
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 1/59
,10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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
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?
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 2/59
,10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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 an
and the ACA, which of the internet-based portal
following statements is
correct?
Insurable interest involves One person benefits from another person's continued
what assumption? life
Which of these policies is Single premium life
considered a whole life
policy?
Which of the following Misrepresenting pertinent policy provisions relating to
would be considered an 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 job
compensation laws
exclude benefits for
disabilities caused by
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 3/59
, 10/15/25, 6:55 PM NYS Life, accident, and health insurance Exam (2025) Exam Questions & Answers | Latest Already Graded A+ UPDATE 2025|202…
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
What happens to the cash Subject to market value adjustment
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?
https://quizlet.com/1093303561/nys-life-accident-and-health-insurance-exam-2025-exam-questions-answers-latest-already-graded-a-update-202520… 4/59
