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New York Life Insurance Questions and Answers Already Passed Accelerated Benefits Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. Accidental Death Benefits A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. Accidental Death Insurance An insurance policy that provides payment if the insured's death is the res...

NY Series 17-52 Questions and Answers Graded A+ How many eligible employees must be included in a contributory health insurance plan? 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, The insurance through his company is primary. What is the period of coverage for events such as death or divorce under COBRA? 36 months Twenty-five ...

New York Accident & Health Insurance Adjuster Latest Graded A+ The New York Superintendent of Insurance is Appointed by the governor of New York The primary responsibility of the Superintendent of Insurance is Enforcing the state insurance laws and regulations. An independent adjuster A person who acts on behalf of an insurer in investigating and adjusting claims and/ or performing any duties required by the insurer. A public adjuster A person who acts on behalf of an insured in ...

New York Insurance Laws Questions and Answers Rated A The time limit on certain defenses under individual health policies in New York is: A 20 days B 3 years C 90 days D 2 years D 2 years The Superintendent may examine the books and records of any insurer based on the: A Permission of a producer B Authority granted by the state C Authority granted by the Secretary of State D Permission of the insurer B Authority granted by the state If a licensee uses an assumed name...

NY Life, Accident, and Health Insurance Agent/Broker Exam Series 17-55 Already Passed Process 2103 (d-i) 1. The Superintendent may issue a license to any person, firm or corporation who has complied with the requirements of the Insurance Code, authorizing the licensee to act as agent of any authorized insurer. Every individual applicant for a license under this section and every proposed sub-licensee must be 18 years of age or older at the time of issuance of such license. The person must su...

NY License Exam - New York General Insurance Laws Questions and Answers Rated A The Superintendent is the head of the Department of Insurance in New York. The _______ appoints the Superintendent to a four-year term. governor If the Superintendent requests information during an examination or investigation and a person does not respond within ____ days, he or she may impose a penalty of up to $500 per day (not more than $10,000 total) for each day the person fails to respond. 15 If the...

New York Adjuster Exam Questions and Answers Graded A+ The insured has moved into a dwelling that was being build and was covered by the "Dwelling Under Construction" endorsement. How long does the insured have to report his / her occupancy to the insurance company? 30 days When a New York Homeowners policy is still in the 60-day underwriting period, the insurer may cancel it for any reason by providing a ______ notice. 30 day Personal property that is covered under the Personal Pro...

New York Adjuster Exam Questions and Answers Already Passed Offering any return of premium, valuable consideration or inducement when purchasing an insurance policy is an example of: I. Illegal Inducement II. Rebating Under a watercraft or yacht policy how claims are settled: Actual cash value When may an insured sue an insurance company? Not until the insured has complied with all policy provisions and within the time limit specified in the state laws What is the definition o...

New York State Property and Casualty Licensing Exam Questions and Answers Graded A+ Pro Rata Liability Clause is included in an insurance policy to deal with the problem of Duplicate insurance policies The purpose of this clause is to illustrate the method to determine each insurer's liability in case of a loss. Each insurer pays its fair share determined by the percentage that the carrier's limit bears to the total coverage carried. pro rata liability If a loss occurs that is covered...

NYS Life, Accident, and Health Insurance Exam Questions and Answers Graded A+ Which type of life insurance policy is best suited for paying off the outstanding balance of a 30-year mortgage in the event of the insured's death? 30-year decreasing term. How many days notice does the ACA require insurers to give before rescinding coverage? 30 A signed good health statement may be requested by a life producer at the time of Policy Delivery Carol purchases a whole life policy that pro...

Insurance License NY Questions and Answers Graded A New home buyer S called his agent and told him that he wanted the broadest coverage available for his new home. Which policy would the agent be most likely to recommend? A) HO-3 B) HO-5 C) HO-2 D) HO-8 B Which of the following best defines a hazard? A) It eliminates the chance of loss B) It increases the chance of loss C) It is a cause of loss D) It increases the amount of loss B Under the Homeowners Forms, Coverage C i...

NY state insurance license practice exam questions/answers with verified solutions 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 3. When not prohibited by state law Which of the following accurately describes the "time limit on certain defenses"?...

NYS Insurance Licensing Exam Latest Graded A insurance transfers the risk of an loss for an individual or business to an insurance company which spreads out the costs to many individuals agency contract a contract that is held between insurer and an agent/producer containing the expressed authority given to the agent/producer, and the duties/responsibilities to the principal, any agent in violation of the agency contract may be held personally liable to the insurer agent legal repres...

NY Independent General Adjuster Exam - Series 17-70 Questions and Answers Graded A+ Dram Shop Liability refers to: Liquor Law Liability. The insured has suffered a covered loss under his DP-3 dwelling form. He fails to protect the property from further loss. The additional loss that occurs as a result of his inactions may be denied because of what clause in the policy? Neglect. To be eligible for the New York assigned risk auto plan a person must: Hold a valid driver's license. A...

SLP Praxis/SLP ETS Bundled Exams Questions and Answers with Verified Solutions

AWR-160-W WMD/Terrorism Awareness Bundled Exams Questions and Answers with Verified Solutions

OSHA Unqualified Employee Question and Answers John is a new employee working on a job site where he will be working near electrical hazards on a daily basis. He has not yet received the proper training to work with these types of hazards. What classification does John have? Unqualified It is possible for electrical current to flow from an electrical tool through the human body. Which statement below best describes how this can occur? Water in the human body acts as a conductor of elecri...

OSHA 30 Health and Safety Program with Complete Solution Exemplary workplaces share all these common characteristics EXCEPT: - Re-evaluate effectiveness of existing programs - Regular inspections for hazards - Strict adherence to original safety plan - Training of all employees about hazards Strict adherence to original safety plan Where can anyone go to access OSHA regulations, expert advisors, directives, publications, and other tools? - Government publications section of a pub...

OSHA 30 section one quiz- inspections already passed Select the correct answer the click DONE. What type of workplace is subject to inspection? Every workplace covered under the OSH act Select all that apply. A CSHO is authorized to enter a workplace or work environment: Immediately, reasonable times Select the correct answer then click DONE. Who can conduct OSHA inspections? OSHA compliance officer Select all that apply then click DONE. What rights does an employer have regarding...

OSHA Your Role Questions and Answers Rated A Amy arrives for her shift. When she enter the building, she notices a strange smell. She begins to feel ill. What is the first step Amy should take? Leave the building, as it is too dangerous to stay and keep breathing the fumes The fire alarm goes off. Put the following tasks in the order they should be completed 1. Follow the evacuation route to exit the building 2. Make you way to the evacuation assembly area 3. Report to your designated ...