TOPGRADE

NYS Life, Accident, and Health State Exam Simulator 2025. 1. Which of the following can be defined as "the Risk potential for loss"? 2. Which of the following describes the act of insuring a risk against possible loss? 3. A description of a qualified plan's insurance contract may be found in which ERISA report- ing form? 4. Which of the following statements is NOT true concerning the relationship between group health insurance plans and Medicare? (Assuming the business has mor...

EMT Written State Exam Study Guide (PSI) Latest Update. 1. 1. Which of the following is NOT true of medical con- trol? A) It is determined by the dispatcher. B) It may be written or "standing orders." C) It may require online radio or phone consultation. D) It describes the care authorized by the medical director A) It is determined by the dispatcher. 2. 2. The major goal of quality improvement is to ensure C) the public receives the that: A) quarterly audits of the ...

NY Series 17-52 Final Exam Study Test. 1. How many eligible employees must be included in a contributory health insurance plan? 2. 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, 50% The insurance through his company is primary. 3. What is the period of coverage for events such as death 36 months or divorce under COBRA? 4. Tw...

Life Insurance Producer/Agent Practice Exam 1. Life insurance helps meet estate planning objec- tives because it is: a liquid asset at death 2. Which one of the following statements about a life In addition to waiving premiums insurance policy rider regarding waiver of premi- ums and disability income is true? 3. Which rider is included in a policy with whole life insurance on the principal insured and term insur- ance on the insured's spouse and children? during periods of ...

NY State Insurance License Practice Exam Questions & Answers. 1. Under what circumstance does an accident and health 3. When not prohibited by 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 2. Which of the following accurately describes the "time limit on certain defenses"? 1. After a stated period...

IL Real Estate Broker PSI Practice Exam Questions & Answers. 1. A licensee was showing proper- ty in an eight-unit complex to a prospective tenant using a motor- ized wheelchair. The tenant want- ed to rent a unit, install grab bars in the bathroom, and lower all the door handles. The landlord... 2. Which of the following is the best description of a fee simple estate? 3. A licensee plans to send out an email offering his services. Accord- ing to the CAN-SPAM Act, the li- censee must 4. The...

NY License Exam - Life Insurance Policy Options and Riders Study Test 1. options enable policyowners to apply the provi- sions of a policy to suit their needs. Selec- tion of which does not increase the premi- um the policyowner pays. 2. rider An attachment to an insurance policy that changes the benefits either by adding new benefits or by excluding certain benefits from coverage. Almost always involve ad- ditional premiums. 3. Most common policy options and riders in- clude: 1. no...

PSI Iowa Real Estate Exam (National Portion) - Amy Schaffer. 1. Discrimination on the basis of any of the following C could be constructed as violations of fair housing laws EXCEPT for discrimination based on a. Ethnic considerations b. Sexual considerations c. Economic considerations d. Religious considerations 2. The amount of a loan expressed as a percentage of B the value of the real estate offered as collateral is the a. Amortization ratio b. Loan to value ratio c. Debt to equit...

Property and Casualty Practice PSI Exam Questions Correctly Answered. 1. Employees are barred from suing employers in court to obtain compensation for injuries covered by work- ers' compensation because of which of the following doctrines? -Employer liability -Exclusive remedy -Workman liability -No fault insurance 2. Which of the following would trigger coverage under business income form with extra expense coverage? -Carpet cleaning after a water main break -Employee pay after a bui...

PSI Life, Accident, Health Practice Exam Questions & Answers. 1. Which is an ACCURATE statement regarding benefits of Medicare supplement and Medicare select plans? 1 The insurer is able to cancel, or deny renewal of an existing policy, based solely on the health of the in- sured. 2 There is no restriction for benefits after the coverage has been in effect for six months when involving a preexisting condition. 3 The coverage for a loss from an illness or disease is treated differently tha...

New Jersey Accident and Health State Exam Simulator. 1. How is Medicare Part B funded? Employer taxes Payroll taxes User premiums General tax revenue and user premiums 2. How are premiums paid by the insured for personally owned disability income insurance treated for tax pur- poses? Partially tax deductible Not tax deductible Fully tax deductible Tax Deferred 3. What is Medicare Part B also known as? Medicare supplement Supplementary medical insurance Comprehensive insurance Medicaid...

PSI Practice Test Questions & Answers. 1. Who is covered for accidental injury on the insured's premises under the commercial general liability med- ical payments? A volunteer worker 2. Which type of crime listed below best describes some- Theft one who waits until store personnel are preoccupied and pockets merchandise while no one is looking and leaves without detection? 3. Workers' compensation benefits for loss of wages in- clude what? 4. What type of situation would w...

PSI PRACTICE EXAM PERSONAL LINES BROKER-AGENT 60 TEST. 1. WHEN AN AGENT TRIES TO CONVINCE A POLICYHOLD- MISREPRESENTATION ER TO REPLACE AN EXISTING POLICY TO BUY ANOTHER ONE, WHAT ARE THEY PRACTICING? 2. WHICH OF THE FOLLOWING IS A FORM OF INSURANCE RECIPROCAL COMPANY ORGANIZATION THAT CONSISTS OF MEM- BERS WHO SHARE LOSSES WITH EACHOTHER? 3. WHAT POLICY PROVISION SPECIFIES A CERTAIN VALUE AGREED VALUE THAT WILL MEET THE COINSURANCE REQUIREMENT? 4. ALL OF THE FOLLOWING ARE CORRECT FO...

EMT- NYS PSI Practice Exam Questions Correctly Answered. 1. After an EMS call, some crew members begin dis- cussing a recent case with some non-EMS personnel. This is unacceptable behavior because it is: a) a breach of the patients right to know b) a breach of the patients privacy c) against the NYS Good Samaritan Law d) against the principles of patient consent 2. which form of consent allows you to treat an uncon- scious patient? b implied 3. Another name for the...

PSI Practice Review Exam Correctly Answered. 1. The type of settlement option which pays throughout C the lifetimes of two or more beneficiaries is called a) Fixed amount. b) Joint life. c) Joint and survivor. d) Fixed period. 2. The paid-up addition dividend option uses the divi- B dend to do which of the following? a) Purchase a smaller amount of the same type of insurance as the original policy. b) Purchase a one-year term insurance in the amount of the cash value. c) Reduce th...

PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM Q &A’S. 1. Under the misstatement of age or gender provision, what happens if it is determined at death that the insured's age or gender was misstated on a life insurance policy ap- plication? Benefits are adjusted to an amount that the premium would have purchased at the correct age or gender. 2. Which of the following must be given to the Notice of claim. insurer within 20 days after occurrence or commencement of any loss covered by t...

PSI Life Advanced Complete Study Test. 1. What kind of retirement plan can a 75-employee for profit corporation establish? Simple IRA 2. The taxable portion of a monthly income benefit paid Exclusion ratio during the annuity phase from a nonqualified annuity is calculated using the 3. Unfair claims settlement methods and practices by an failure to pay all claims insurance company include all of the following acts EXCEPT that are reported within 90 days after a loss occurs ...

PSI - NY Life, Accident and Health Practice Examination Training Study Guide. 1. What arre two characteristics of HMO containing costs and early treatment containing costs and treating advanced stage illness- es lower deductibles and preventative medicine treating advanced stage illnesses and pre-existing con- ditions 2. Which of the following is a characteristic of PPO ability to receive care at the same cost from any provider emergency treatment is restricted to pre-selected hos- pitals ...

PSI Online Examination NY Insurance Property and Casualty Exam. 1. a. compensate for actual finan- cial losses 2. d. vacant means the absence of people and prop- erty Punitive damages are intended to do all of the following except? a. compensate for actual financial losses. b. discourage others from doing wrong. c. discipline the insured. d. make an example of bad behavior Which of the following BEST ditterentiates the terms vacant versus unoccupied? a. vacant means insured i...

PSI - NY Life, Accident and Health Practice Exam 17-55 Questions & Answers. 1. Which policy provision permits the policy owner to take a specified number of days to examine the con- tract, and allows for cancellation and a full refund if the policy owner rejects the terms or costs? Free Look 2. When will a policy pay on a UCR basis? When particular benefits are not listed on a payment schedule 3. Which type of rider reimburses health and social ser- long term care rider vice expense...