Question 1

Under Workers ' Compensation, injured employees are covered for all of the following losses EXCEPT

Options :

A : loss of wages.

B : pain and suffering.

C : medical expenses.

D : occupational illness.

Answer: B

Question 2

Which of the following is a basic benefit of Medicare Supplemental insurance?

Options :

A : First 3 pints of blood each year.

B : At-home recovery.

C : Basic drugs limit of $1,250.

D : Preventive care.

Answer: A

Question 3

Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

Options :

A : the claim is under $500.

B : the insured is unable to pay an appeal fee.

C : the appeal is filed more than 180 days after the claim denial.

D : the insured has submitted three appeals within the calendar year.

Answer: C

Question 4

Which type of annuity guarantees a level benefit payment?

Options :

A : Variable.

B : Universal.

C : Limited Life.

D : Fixed.

Answer: D

Question 5

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?

Options :

A : Partial disability.

B : Nondisabling injury.

C : Presumptive disability.

D : Flat amount disability.

Answer: A

Free NY-Life-Accident-and-Health-Insurance-Agent-Broker Mock Exam – Practice Online Confidently

Buying Options: