NY-Life-Accident-and-Health問題集、Insurance Licensing実際の試験問題

質問 1

The cost of a long-term care policy is based on all of the following EXCEPT

A. health condition.

B. age.

C. level of benefits provided.

D. personal income.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 2

An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice of how the cash value will be invested. The insured should purchase

A. adjustable life.

B. variable universal life.

C. graded premium whole life.

D. universal term life.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 3

With respect to small group health benefit plans, a carrier may discontinue coverage or may refuse to renew such a plan if the employer

A. falls to pay the premium prior to the end of the grace period.

B. has filed for bankruptcy in the prior year.

C. has a supplemental plan with a competing carrier.

D. employs fewer than 15 full-time employees.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 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. workers ' compensation

B. an individual plan

C. Medicaid

D. his employer ' s group plan

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 5

Which is an accurate description of the relationship between the premiums of a whole life policy and the premium payment period?

A. The payment period is not related to the annual premium.

B. The shorter the payment period, the lower the annual premium.

C. The longer the payment period, the higher the annual premium.

D. The shorter the payment period, the higher the annual premium.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 6

HICs usually structure copayments to discourage:

A. Outpatient X-rays

B. Preventive care

C. Prescription drug usage

D. Non-emergency visits to the emergency room

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 7

Which of the following is a Health Insurance Policy where the insurer has the right to change the premiums for policyowners, but CANNOT cancel the policy?

A. A conditionally renewable policy.

B. A noncancellable policy.

C. A guaranteed renewable policy.

D. An optionally renewable policy.

正解: C

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 - NY-Life-Accident-and-Health 模擬練習