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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| General Insurance Principles | 15-20% | - Fair claims settlement practices - Agent/broker duties and ethics - Insurance contract fundamentals - Underwriting principles - Ethical sales practices |
| Accident and Health Insurance | 25-30% | - Medical expense coverage - Health insurance policy types (individual, group, HMOs) - Dental and vision insurance basics - Major medical coverage - Long-term care insurance basics - Disability income insurance |
| New York State Regulations | 20-25% | - Fiduciary responsibilities - Licensing requirements and procedures - Replacement and churn rules - Advertising regulations - NYS Insurance Law requirements - Consumer protection regulations |
| Life Insurance Fundamentals | 25-30% | - Policy types and provisions - Beneficiary designations - Policy riders and endorsements - Policy reinstatement - Dividends and nonforfeiture options |
Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:
1. Upon receipt of notice of claim, the insurance company will furnish to the claimant such forms for filing proof of loss within how many days?
A) 30
B) 15
C) 20
D) 10
2. Which of the following statements is TRUE concerning classification of risks?
A) Rated policies merit lower premiums.
B) Preferred risks pay a lower premium than standard risks.
C) Substandard applicants are never issued policies.
D) A preferred individual is issued a rated policy.
3. HICs usually structure copayments to discourage:
A) Outpatient X-rays
B) Prescription drug usage
C) Non-emergency visits to the emergency room
D) Preventive care
4. Under the Affordable Care Act, insurers MUST offer plans within health insurance exchanges that meet distinct levels of coverage. What metal tier is REQUIRED to have an actuarial value of 70% with covered individuals paying 30% through deductibles, co-pays, and other cost sharing features?
A) Silver Plan.
B) Platinum Plan.
C) Bronze Plan.
D) Gold Plan.
5. Term life insurance differs from permanent life insurance in that MOST often, term life insurance
A) remains in force for a specific period of time.
B) is automatically renewable at the end of the term period.
C) has a longer premium payment period.
D) accumulates a much smaller cash value.
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: B | Question # 3 Answer: C | Question # 4 Answer: A | Question # 5 Answer: A |
