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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health Insurance | 25-30% | - Dental and vision insurance basics - Disability income insurance - Medical expense coverage - Health insurance policy types (individual, group, HMOs) - Long-term care insurance basics - Major medical coverage |
| Topic 2: New York State Regulations | 20-25% | - Licensing requirements and procedures - NYS Insurance Law requirements - Advertising regulations - Consumer protection regulations - Fiduciary responsibilities - Replacement and churn rules |
| Topic 3: Life Insurance Fundamentals | 25-30% | - Policy types and provisions - Policy reinstatement - Dividends and nonforfeiture options - Beneficiary designations - Policy riders and endorsements |
| Topic 4: General Insurance Principles | 15-20% | - Agent/broker duties and ethics - Insurance contract fundamentals - Fair claims settlement practices - Ethical sales practices - Underwriting principles |
Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:
1. The following statement refers to which type of clause? "We have issued the policy in consideration of the representations in your application and payment of the first-term premium."
A) A contestability clause.
B) A consideration clause.
C) A whole contract clause.
D) A concealment clause.
2. What is the primary feature of a Joint Life insurance policy?
A) It is designed exclusively for estate planning.
B) It insures two or more lives under one policy.
C) It requires separate premiums for each insured.
D) It pays the death benefit after the last insured dies.
3. 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) Multiple employer group.
B) Employee or individual employer group.
C) Association or labor group.
D) Credit Insurance group.
4. A 65-year-old employee who works for an employer with 24 employees is disabled on the job. The employee has fully recovered and returned to work. Which health coverage is primary?
A) his employer ' s group plan
B) workers ' compensation
C) Medicaid
D) an individual plan
5. The statement, " Any person who knowingly and with intent to defraud any insurer or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty... " MUST appear in all New York
A) insurance documents distributed to the general public.
B) insurance communications with consumers.
C) applications for insurance and on all claim forms.
D) applications for credit.
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: B | Question # 3 Answer: C | Question # 4 Answer: B | Question # 5 Answer: C |
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