New York Insurance Regulations Practice Questions — Page 2 of 12
600 free New York-specific insurance regulation questions for the New York Life & Health exam — page 2.
- 51.Under N.Y. Ins. Law §3230, a prohibition period runs from an insurer's transmission of accelerated death be…Difficulty 1/5NY specific
- 52.An insurer submits an individual health policy form for approval that excludes all routine preventive servi…Difficulty 2/5NY specific
- 53.Which of the following best describes 'controlled business' under the New York Insurance Law?Difficulty 1/5NY specific
- 54.An insured's daughter is an unmarried full-time student at an accredited educational institution. Under N.Y…Difficulty 1/5NY specific
- 55.Under the special war provision permitted by New York law, an insurer may limit coverage for the death of a…Difficulty 1/5NY specific
- 56.An insurer that sells health coverage in New York's small-group market receives an application from a quali…Difficulty 2/5NY specific
- 57.An employee whose employment ends loses her group life coverage in New York. She wants to convert to an ind…Difficulty 2/5NY specific
- 58.An underwriter reviews applications from applicants of the same age and health status. Which premium distin…Difficulty 2/5NY specific
- 59.An insured dies while his New York life policy is within its grace period, and the overdue premium has not …Difficulty 2/5NY specific
- 60.A New York agent takes an application that will replace the applicant's existing life policy with a new one…Difficulty 2/5NY specific
- 61.The insured of a life policy delivered in Albany dies by suicide within two years of the policy's issue dat…Difficulty 1/5NY specific
- 62.An individual accident and health policy is reinstated in New York after a lapse for nonpayment of premium.…Difficulty 1/5NY specific
- 63.Under the Affordable Care Act, what is the 'benchmark plan' on the individual exchange?Difficulty 1/5NY specific
- 64.A New York producer deliberately fails to disclose that a long-term care sale is a replacement. Under New Y…Difficulty 1/5NY specific
- 65.After a New York individual health policy is reinstated, for how long may the insurer apply overdue premium…Difficulty 1/5NY specific
- 66.A New Yorker is laid off in the middle of the year and loses her employer-sponsored health coverage. Under …Difficulty 2/5NY specific
- 67.A New York consultant with no insurance license offers, for a fee, to negotiate the sale of a client's life…Difficulty 2/5NY specific
- 68.In an application for a New York life insurance policy, what financing-related question may the insurer ask…Difficulty 1/5NY specific
- 69.An insurer accepts a premium in connection with the reinstatement of a lapsed individual accident and healt…Difficulty 2/5NY specific
- 70.Which statement best describes a temporary insurance license issued in New York?Difficulty 2/5NY specific
- 71.While taking an application for a Medicare supplement policy, a New York agent learns that the applicant in…Difficulty 2/5NY specific
- 72.Under N.Y. Ins. Law §2103(i), a producer's license may be revoked if net commissions from controlled busine…Difficulty 3/5NY specific
- 73.In a New York life settlement transaction, the owner hires a broker to negotiate the sale of her policy. Un…Difficulty 1/5NY specific
- 74.A New York life insurance policy names and excludes certain hazardous occupations. The insured dies within …Difficulty 2/5NY specific
- 75.A Manhattan agent takes a Medicare supplement application from a prospective client during an in-person mee…Difficulty 2/5NY specific
- 76.Within five days of receiving an accelerated death benefit application, a New York life insurer must:Difficulty 2/5NY specific
- 77.A local labor union in Rochester wants accident and health coverage for its working members. Under N.Y. Ins…Difficulty 1/5NY specific
- 78.The Superintendent of Financial Services requires an individual named in a New York life settlement broker …Difficulty 1/5NY specific
- 79.When a licensed New York agent takes an application for a Medicare supplement policy, the application must …Difficulty 1/5NY specific
- 80.Under New York law, a Medicare supplement policy must be:Difficulty 1/5NY specific
- 81.Which statement correctly distinguishes the parties defined in N.Y. Ins. Law §7802?Difficulty 3/5NY specific
- 82.Under the New York Insurance Law, advertisements by licensed life settlement providers, intermediaries, and…Difficulty 1/5NY specific
- 83.What is the central purpose of the Superintendent's solvency oversight of insurers under N.Y. Ins. Law §307?Difficulty 2/5NY specific
- 84.When may a New York agent lawfully make statements to a client about a competing insurer's financial condit…Difficulty 3/5NY specific
- 85.For purposes of New York's community rating requirements for accident and health policies, a small group is…Difficulty 1/5NY specific
- 86.Which statement best describes the enforcement tools available when a licensee willfully violates the New Y…Difficulty 3/5NY specific
- 87.More than two years after an individual health policy was issued in Rochester, the insurer learns that the …Difficulty 2/5NY specific
- 88.Under N.Y. Ins. Law §2611, the written informed consent that precedes an HIV-related test in connection wit…Difficulty 2/5NY specific
- 89.A small employer in Yonkers applies for group medical coverage. Several employees have serious chronic heal…Difficulty 2/5NY specific
- 90.A New York insurer decides to discontinue all of its individual accident and health policies of a particula…Difficulty 3/5NY specific
- 91.A New York consumer buys a life insurance policy through a direct-response mail solicitation. Under N.Y. In…Difficulty 2/5NY specific
- 92.A life insurance policy delivered in Manhattan lapses for nonpayment of premium. Under N.Y. Ins. Law §3203(…Difficulty 2/5NY specific
- 93.A life settlement transaction is being arranged for a policyowner. Under N.Y. Ins. Law §7819, which of the …Difficulty 2/5NY specific
- 94.Soon after a New York long-term care insured enters a nursing home, the insurer tries to cancel her policy …Difficulty 2/5NY specific
- 95.Which of the following arrangements is prohibited as stranger-originated life insurance under N.Y. Ins. Law…Difficulty 2/5NY specific
- 96.While processing a claim under an individual accident and health policy, an insurer's field representative …Difficulty 2/5NY specific
- 97.Once a Medicare supplement policy is issued in New York, what renewability standard applies under Reg 193?Difficulty 1/5NY specific
- 98.Which change may a Medicare supplement issuer make unilaterally to a Medicare supplement policy while the p…Difficulty 3/5NY specific
- 99.An insured holds an individual disability income policy from one insurer and a separate indemnity policy fr…Difficulty 2/5NY specific
- 100.An Albany couple's son is a covered dependent who is about to reach the base dependent age. He is enrolled …Difficulty 1/5NY specific