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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:

Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:

1. Which type of policy pays an amount per day for hospitalization directly to the insured regardless of the insured ' s other health insurance?

A) Limited-amount per diem.
B) Medigap.
C) Blanket.
D) Hospital indemnity.

2. On or after January 1, 2014, employers with no more than 25 full time equivalent employees (FTEs) with average annual wages of less than $50,000 may be eligible for a tax credit of up to how much of the premiums paid by the employer?

A) 25%
B) 10%
C) 70%
D) 50%

3. The limitation expressed in limited payment policies is a limit on the number of annual premiums or the

A) maximum amount of benefits payable.
B) age beyond which premiums will no longer be required.
C) maximum amount available for loan purposes.
D) minimum interest rate on policy cash values.

4. Term life insurance differs from permanent life insurance in that MOST often, term life insurance

A) accumulates a much smaller cash value.
B) remains in force for a specific period of time.
C) is automatically renewable at the end of the term period.
D) has a longer premium payment period.

5. The PRIMARY purpose of respite care is to

A) provide temporary relief to the patient ' s primary caregiver.
B) ensure that the patient gets some skilled care.
C) provide the patient with social opportunities.
D) provide counseling services to the patient ' s primary caregiver.

Solutions: