Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 - NY-Life-Accident-and-Health Exam Questions [2026]

QUESTION NO: 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.

Correct Answer: D

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QUESTION NO: 2
Someone who sells, solicits, or negotiates insurance contracts for compensation is called

A. an independent insurance adjuster. B. an insurance adviser. C. a life insurer. D. an insurance producer.

Correct Answer: D

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QUESTION NO: 3
According to Health Insurance Portability and Accountability Act (HIPAA), when can a group health policy renewal be denied?

A. Participation or contribution rules have been violated. B. There have been too many claims in the previous year. C. The size of the group has increased by more than 10%. D. Participation or contribution rules have been changed.

Correct Answer: A

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QUESTION NO: 4
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 C. B. Part A. C. Part D. D. Part B.

Correct Answer: B

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QUESTION NO: 5
An insured individual who has been diagnosed with osteoporosis needs therapy in her home. Which type of long-term care benefit would be MOST appropriate for her?

A. Skilled nursing care. B. Home health care. C. Intermediate care. D. Adult day care.

Correct Answer: B

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QUESTION NO: 6
If an insured under a life insurance policy dies with an outstanding loan balance then the death benefit will

A. be paid less the amount of the loan but not the interest. B. be paid less the amount of the loan interest but not the principal. C. not be paid until the loan is repaid. D. be reduced by the amount of the loan and interest owed.

Correct Answer: D

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QUESTION NO: 7
Which of the following is a common exclusion from coverages found in accident and health policies?

A. coordination of benefits B. self-inflicted injuries C. chiropractic services D. emergency room coverages

Correct Answer: B

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QUESTION NO: 8
Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

A. the claim is under $500. B. the insured has submitted three appeals within the calendar year. C. the appeal is filed more than 180 days after the claim denial. D. the insured is unable to pay an appeal fee.

Correct Answer: C

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