최신 NY-Life-Accident-and-Health 무료덤프 - Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

문제1

Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

A. Joint.

B. Dual capacity.

C. Spousal.

D. Survivorship.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제2

Which premium payment mode typically results in the lowest overall cost for a life insurance policy?

A. Quarterly

B. Semi-Annually

C. Monthly

D. Annually

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제3

If an annuitant dies during the accumulation period, his or her beneficiary will receive

A. no monetary funds.

B. the greater of the accumulated cash value or the total premiums paid.

C. the lesser of the accumulated cash value or the total premiums paid.

D. both the accumulated cash value and the total premiums paid.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제4

Which of the following is NOT an Essential Health Benefit Category under the Affordable Care Act?

A. Laboratory Services.

B. Alternative Medicine.

C. Emergency Services.

D. Maternity and Newborn Care.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제5

A single contract for group medical insurance issued to an employer is known as

A. a group policy.

B. a master policy.

C. an employer policy.

D. a certificate policy.

정답: B

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문제6

Sue Ellen is the sister of a licensed New York insurance producer, Frank Gillespie. Frank was recently killed in a car accident and Sue Ellen has been issued a temporary license to run Frank ' s agency. For what period of time is the initial temporary license valid?

A. 3 months.

B. 2 years.

C. 6 months.

D. 1 year.

정답: C

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문제7

An insured owns a whole life policy that has accumulated cash value. Which of the following statements is true about the policy ' s cash value?

A. The growth of the policy ' s cash value is not subject to income tax while the policy is in force.

B. It is subject to fluctuations of the company ' s overall performance.

C. The cash value is not guaranteed.

D. The policy ' s cash value is viewed as investment growth and therefore subject to taxation for each calendar year.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제8

The Group Life Underwriting risk selection process helps protect insurers from

A. risk underwriting.

B. risk selection.

C. medical underwriting.

D. adverse selection.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

최신 NY-Life-Accident-and-Health 무료덤프 - Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

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