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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| General Insurance Principles | 15-20% | - Underwriting principles - Ethical sales practices - Fair claims settlement practices - Insurance contract fundamentals - Agent/broker duties and ethics |
| New York State Regulations | 20-25% | - NYS Insurance Law requirements - Fiduciary responsibilities - Licensing requirements and procedures - Replacement and churn rules - Consumer protection regulations - Advertising regulations |
| Accident and Health Insurance | 25-30% | - Disability income insurance - Health insurance policy types (individual, group, HMOs) - Dental and vision insurance basics - Medical expense coverage - Long-term care insurance basics - Major medical coverage |
| Life Insurance Fundamentals | 25-30% | - Policy riders and endorsements - Dividends and nonforfeiture options - Policy types and provisions - Beneficiary designations - Policy reinstatement |
Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:
Multiple policies that are rated for different communities and have substantially similar benefits as determined by the superintendent will be required to:
- A. refile rates
- B. change benefits
- C. pool experience
- D. merge plans
Correct Answer: C 🗳️
Explanation: Only visible for PassReview members. You can sign-up / login (it's free).
Which of the following Long Term Disability clauses states that insureds are considered totally disabled when they CANNOT perform the major duties of a gainful occupation for which they are reasonably suited because of education, training, or experience?
- A. Presumptive disability clause.
- B. Any occupation clause.
- C. Regular occupation clause.
- D. Partial disability clause.
Correct Answer: B 🗳️
Explanation: Only visible for PassReview members. You can sign-up / login (it's free).
Which of the following statements BEST describes a single premium cash value policy?
- A. It requires the policyowner to pay one premium annually.
- B. It waives one future premium if the owner becomes disabled.
- C. It requires only one payment to make the policy paid up.
- D. It provides for only one premium to be paid without evidence of insurability.
Correct Answer: C 🗳️
Explanation: Only visible for PassReview members. You can sign-up / login (it's free).
Insurance is defined as what type of risk?
- A. Speculative
- B. Pure
- C. Legal
- D. Physical
Correct Answer: B 🗳️
Explanation: Only visible for PassReview members. You can sign-up / login (it's free).
Insurance that is designed to pay the balance of a loan if the insured dies before the loan has been repaid in full is
- A. whole life.
- B. life settlement.
- C. universal life.
- D. credit life.
Correct Answer: D 🗳️
Explanation: Only visible for PassReview members. You can sign-up / login (it's free).
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