NY-Life-Accident-and-Health최신인증시험기출자료100％시험패스인증덤프자료

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NY-Life-Accident-and-Health최신 인증시험 기출자료, NY-Life-Accident-and-Health시험패스 인증덤프, NY-Life-Accident-and-Health적중율 높은 덤프자료, NY-Life-Accident-and-Health퍼펙트 최신 덤프공부, NY-Life-Accident-and-Health시험대비 최신버전 덤프자료

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

Section Weight Objectives
New York State Regulations 20-25% - Advertising regulations
- Fiduciary responsibilities
- Consumer protection regulations
- Licensing requirements and procedures
- Replacement and churn rules
- NYS Insurance Law requirements
Accident and Health Insurance 25-30% - Health insurance policy types (individual, group, HMOs)
- Medical expense coverage
- Long-term care insurance basics
- Major medical coverage
- Dental and vision insurance basics
- Disability income insurance
General Insurance Principles 15-20% - Insurance contract fundamentals
- Fair claims settlement practices
- Underwriting principles
- Ethical sales practices
- Agent/broker duties and ethics
Life Insurance Fundamentals 25-30% - Beneficiary designations
- Policy riders and endorsements
- Dividends and nonforfeiture options
- Policy reinstatement
- Policy types and provisions

>> NY-Life-Accident-and-Health최신 인증시험 기출자료 <<

높은 통과율 NY-Life-Accident-and-Health최신 인증시험 기출자료 시험대비 공부문제

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최신 Life, Accident, and Health NY-Life-Accident-and-Health 무료샘플문제 (Q98-Q103):

질문 # 98
Predicting an individual ' s future earning potential and determining how much of that amount would be devoted to his dependents incorporates the

  • A. salary projection approach.
  • B. human life value approach.
  • C. personal needs approach.
  • D. loss exposure approach.

정답：B

설명：
The correct answer is human life value approach . In life insurance planning, the human life value approach is used to estimate the economic value of an insured person's future earnings to those who depend on that income. It focuses on the idea that an individual's life has an insurable value based on the amount of income he or she is expected to earn in the future and the portion of that income that would have been used to support dependents. This method is commonly applied when determining how much life insurance is needed to replace the financial contribution of a wage earner.
Under this approach, factors such as current earnings, future earning capacity, years until retirement, inflation, taxes, and personal living expenses are considered. The amount available to dependents is then projected to help establish an appropriate death benefit.
The other options do not fit this definition. The needs approach centers on the survivors' financial needs after death, not strictly on future income value. "Loss exposure" and "salary projection" are not the standard life insurance need-analysis terms tested for this concept. Therefore, the correct answer is human life value approach .


질문 # 99
Which of the following is a characteristic of level premium term life insurance?

  • A. It provides for lower benefits.
  • B. It can be used for cash value.
  • C. The cost of insurance is averaged throughout the life of the contract.
  • D. It matches the level amount of protection on the insured ' s life expectancy.

정답：C

설명：
The correct answer is The cost of insurance is averaged throughout the life of the contract . Level premium term life insurance provides protection for a specified period-such as 10, 20, or 30 years-while keeping the premium amount the same each year during the term period . Even though the insured's probability of death increases as they age, the premium remains level because the insurer averages the cost of insurance over the entire term of the policy .
In the early years of the policy, the insured is statistically less likely to die, so the premium collected is somewhat higher than the actual cost of protection at that time. In later years, the risk of death increases, but the premium remains unchanged because the earlier excess premiums help offset the higher cost of coverage later in the term. This structure creates stable and predictable premium payments for the policyowner.
The other options are incorrect. Term life insurance does not build cash value , and the benefit amount is not necessarily lower or tied to life expectancy calculations in the manner described. The defining feature is the level premium created by averaging the cost over the policy term .


질문 # 100
Which type of group has a constitution and bylaws, is organized and maintained in good faith for purposes other than obtaining insurance, and has insurance for the purpose of covering members and their employees?

  • A. Employee or individual employer group.
  • B. Multiple employer group.
  • C. Credit Insurance group.
  • D. Association or labor group.

정답：D

설명：
An association or labor group is a type of eligible group used in group insurance arrangements. These groups are typically formed for professional, trade, or labor-related purposes , not primarily to obtain insurance coverage. To qualify for group insurance, such associations must usually meet certain regulatory standards.
These include having a formal organizational structure , such as a constitution and bylaws , and being organized and maintained in good faith for reasons other than purchasing insurance.
The group insurance coverage is then offered to members of the association and often their employees , allowing individuals who share a common professional or labor affiliation to obtain insurance benefits through the association. Because these organizations already exist for legitimate purposes-such as promoting professional interests, labor representation, or trade development-regulators allow them to sponsor group insurance plans.
The other options do not match the description provided. Credit insurance groups relate to loan repayment protection. Multiple employer groups involve several employers joining together to provide coverage, and employee/employer groups are typical workplace plans sponsored by a single employer. The description given specifically fits an association or labor group .


질문 # 101
Under the grace period, an insured submits a $300 claim for medical expenses. The insurer notes that the insured has a past due premium of $100, and as a result, the insurer only pays $200. Which of the following provisions covers this situation?

  • A. Payment of claims.
  • B. Misstatement of age.
  • C. Unpaid premium.
  • D. Payment actions.

정답：C

설명：
The correct answer is Unpaid premium . In accident and health insurance, the unpaid premium provision permits the insurer to deduct any premium that is due and unpaid from a claim payment when a loss occurs during the grace period. The grace period allows coverage to remain in force for a limited time after the premium due date, giving the insured an opportunity to make the overdue payment without immediate lapse of coverage. However, if a claim is submitted during that period, the insurer has the right to subtract the outstanding premium from the amount otherwise payable.
In this question, the insured submits a $300 claim , but because $100 in premium is overdue , the insurer pays only $200 . That is exactly how the unpaid premium provision operates.
The other choices do not fit. Payment of claims refers to how and to whom claims are paid, not deduction of overdue premium. Misstatement of age applies when an incorrect age affects premium or benefits. Payment actions is not the standard policy provision being tested here. Therefore, the correct answer is A. Unpaid premium .


질문 # 102
Which type of policy pays an amount per day for hospitalization directly to the insured regardless of the insured ' s other health insurance?

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

정답：D

설명：
The correct answer is Hospital indemnity . A hospital indemnity policy is a form of limited benefit health insurance that pays a fixed dollar amount for each day the insured is confined in a hospital. The benefit is paid directly to the insured , not necessarily to the hospital or physician, and it is paid regardless of any other health insurance coverage the insured may have. This means the insured may use the money for hospital bills, deductibles, coinsurance, lost income, transportation, or any other expenses resulting from illness or injury.
This type of policy differs from major medical insurance, which reimburses covered medical expenses subject to deductibles, copayments, and policy limits. It also differs from Medigap , which is designed specifically to supplement Medicare, and from blanket coverage , which insures groups without naming specific individuals.
Although "limited-amount per diem" describes a style of benefit, the established policy name used in licensing materials for a daily hospitalization benefit paid directly to the insured is hospital indemnity .
Therefore, the policy that pays a stated daily amount for hospitalization regardless of other coverage is A.
Hospital indemnity .


질문 # 103
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Insurance Licensing인증NY-Life-Accident-and-Health시험을 패스하여 자격증을 취득한다면 여러분의 미래에 많은 도움이 될 것입니다.Insurance Licensing인증NY-Life-Accident-and-Health시험자격증은 it업계에서도 아주 인지도가 높고 또한 알아주는 시험이며 자격증 하나로도 취직은 문제없다고 볼만큼 가치가 있는 자격증이죠.Insurance Licensing인증NY-Life-Accident-and-Health시험은 여러분이 it지식테스트시험입니다.

NY-Life-Accident-and-Health시험패스 인증덤프: https://www.dumptop.com/Insurance-Licensing/NY-Life-Accident-and-Health-dump.html

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