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

1. Which approach considers the future needs of the survivors in determining amounts of life insurance?

A) Living Benefits Approach.
B) Cost Comparison Approach.
C) Needs Approach.
D) Human Life Value Approach.

2. The policy provision describing the responsibilities of the master policyowner is in

A) group health policies.
B) individual medical policies.
C) certificate of coverage.
D) individual health policies.

3. Individuals who are eligible for Medicare on the first day of the month in which they turn age 65 are automatically enrolled in

A) Part A.
B) Part C.
C) Part B.
D) Part D.

4. Which of the following statements BEST describes a disability elimination period?

A) A dollar deductible rather than a time deductible.
B) A qualifying period.
C) A benefit or utilization period.
D) A time deductible rather than a dollar deductible.

5. Insurance is defined as what type of risk?

A) Legal
B) Speculative
C) Physical
D) Pure

Solutions: