Insurance Licensing NY-Life-Accident-and-Health Q&A - in .pdf

  • NY-Life-Accident-and-Health pdf
  • Exam Code: NY-Life-Accident-and-Health
  • Exam Name: New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55
  • Updated: Aug 17, 2026
  • Q & A: 122 Questions and Answers
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  • Exam Code: NY-Life-Accident-and-Health
  • Exam Name: New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55
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  • Updated: Aug 17, 2026
  • Q & A: 122 Questions and Answers
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  • Exam Code: NY-Life-Accident-and-Health
  • Exam Name: New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55
  • Updated: Aug 17, 2026
  • Q & A: 122 Questions and Answers
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NY-Life-Accident-and-Health Practice Dumps

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

SectionWeightObjectives
General Insurance Principles15-20%- Fair claims settlement practices
- Agent/broker duties and ethics
- Underwriting principles
- Ethical sales practices
- Insurance contract fundamentals
New York State Regulations20-25%- Consumer protection regulations
- Replacement and churn rules
- Fiduciary responsibilities
- NYS Insurance Law requirements
- Licensing requirements and procedures
- Advertising regulations
Life Insurance Fundamentals25-30%- Policy riders and endorsements
- Policy reinstatement
- Beneficiary designations
- Policy types and provisions
- Dividends and nonforfeiture options
Accident and Health Insurance25-30%- Major medical coverage
- Long-term care insurance basics
- Dental and vision insurance basics
- Medical expense coverage
- Health insurance policy types (individual, group, HMOs)
- Disability income insurance

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

1. Insurance that is designed to pay the balance of a loan if the insured dies before the loan has been repaid in full is

A) universal life.
B) life settlement.
C) whole life.
D) credit life.


2. If a mother and child are without life insurance, what is the MAXIMUM amount of insurance the mother can purchase on the life of her dependent 5-year-old daughter?

A) $50,000
B) $10,000
C) There is no limit
D) $25,000


3. A policyowner suffers an injury that renders him incapable of performing one or more important job duties.
Any decrease in income resulting from his injury would make him eligible for benefits under which provision?

A) Flat amount disability.
B) Nondisabling injury.
C) Partial disability.
D) Presumptive disability.


4. Which of the following statements BEST describes a single premium cash value policy?

A) It requires only one payment to make the policy paid up.
B) It waives one future premium if the owner becomes disabled.
C) It requires the policyowner to pay one premium annually.
D) It provides for only one premium to be paid without evidence of insurability.


5. An insured individual purchases a disability policy with a waiver of premium rider on January 1. The individual is disabled on June 1. On July 1, he receives proof of permanent and total disability, and submits a claim. He begins receiving benefits on July 15. When are his premiums waived?

A) July 1
B) July 15
C) June 1
D) January 1


Solutions:

Question # 1
Answer: D
Question # 2
Answer: D
Question # 3
Answer: C
Question # 4
Answer: A
Question # 5
Answer: C

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