Question 1

Which of the following producers, who have been licensed for a full biennial period, MUST complete continuing education requirements as a condition of renewing a license in New York?

Options :

A : Personal Lines agents

B : Independent adjusters

C : Baggage agents

D : Travel accident agents

Answer: A

Question 2

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 3

Which of the following products is designed to pay benefits that can provide a stream of retirement income to the purchaser?

Options :

A : annuity contract

B : tax-deferred growth

C : variable life insurance

D : modified endowment contract

Answer: A

Question 4

Which statement is NOT a characteristic of a Group Life Insurance Plan?

Options :

A : A master contract.

B : Probationary periods.

C : Individual underwriting.

D : Certificate of Insurance.

Answer: C

Question 5

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

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

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