New York Insurance Regulations Practice Questions — Page 8 of 12
600 free New York-specific insurance regulation questions for the New York Life & Health exam — page 8.
- 351.An insured applies to reinstate a lapsed New York life policy two years after the default, and the insurer …Difficulty 2/5NY specific
- 352.At application a Buffalo man overstated his age. After his death the insurer discovers he was actually youn…Difficulty 3/5NY specific
- 353.By adding the premium-financing inquiry to its New York life insurance application, the insurer:Difficulty 2/5NY specific
- 354.A Manhattan small-business owner asks a producer licensed as a New York insurance broker: 'Whom do you lega…Difficulty 3/5NY specific
- 355.A member of a group health plan in Yonkers leaves the group and applies for a converted individual policy d…Difficulty 1/5NY specific
- 356.Before a New York life insurer may require an HIV-related blood test as part of an application for life ins…Difficulty 1/5NY specific
- 357.In a New York life settlement, which party serves as the 'intermediary' that New York requires to register?Difficulty 3/5NY specific
- 358.Which of the following advertising practices is expressly prohibited for life settlement licensees under th…Difficulty 3/5NY specific
- 359.A retired risk manager holds no license of any kind but charges New York small businesses a fee to review t…Difficulty 2/5NY specific
- 360.To persuade a New York senior to replace her current Medicare supplement policy, a producer misrepresents t…Difficulty 2/5NY specific
- 361.When a New York insurer discontinues offering all coverage of a particular type in the individual accident …Difficulty 1/5NY specific
- 362.What feature most distinguishes a variable life insurance policy from a traditional whole life policy sold …Difficulty 1/5NY specific
- 363.A couple covered by a family health policy in New York adopts a newborn and notifies the insurer within the…Difficulty 2/5NY specific
- 364.An individual accident and health policy delivered in New York contains a 'Conformity with State Statutes' …Difficulty 1/5NY specific
- 365.Under the Affordable Care Act, who is eligible to purchase health coverage through an insurance exchange (m…Difficulty 1/5NY specific
- 366.A life policy was issued in New York without the application attached to it. The policyholder may request a…Difficulty 1/5NY specific
- 367.An insured bought a New York long-term care policy with a nonforfeiture benefit and later stops paying prem…Difficulty 3/5NY specific
- 368.A New York producer persuades a Medicare beneficiary to replace an existing Medicare supplement policy with…Difficulty 3/5NY specific
- 369.An insurer decides to withdraw completely from New York's individual accident and health market. What notic…Difficulty 2/5NY specific
- 370.Under N.Y. Ins. Law §3205, a person with an insurable interest may insure the life of a minor under fourtee…Difficulty 3/5NY specific
- 371.Under the Affordable Care Act, which statement correctly describes how health insurance exchanges may be op…Difficulty 1/5NY specific
- 372.An agent tells a prospect: 'Buy from my company — even if we ever fail, the Life Insurance Company Guaranty…Difficulty 1/5NY specific
- 373.After a warehouse fire in Albany, an insurer retains a local firm to investigate the loss and negotiate the…Difficulty 2/5NY specific
- 374.A New York insurer markets individual accident and health policies under the brand name 'Empire Wellness Pl…Difficulty 2/5NY specific
- 375.Which of the following is NOT a ground on which a New York insurer may refuse renewal of an individual acci…Difficulty 1/5NY specific
- 376.A New York agent files the renewal application after the 60-day advance deadline but before the license exp…Difficulty 1/5NY specific
- 377.Under the Affordable Care Act's individual shared responsibility provision (the individual mandate), what w…Difficulty 1/5NY specific
- 378.A New York Partnership policyholder assumes that because his policy meets Partnership standards, Medicaid m…Difficulty 2/5NY specific
- 379.Under Reg 62, what renewability standard must a New York long-term care insurance policy meet?Difficulty 1/5NY specific
- 380.Which statement about New York's newborn coverage rule is correct?Difficulty 2/5NY specific
- 381.An individual accident and health policy delivered in Buffalo has premiums payable quarterly. Under the gra…Difficulty 3/5NY specific
- 382.A New York individual health policy defines dependent children by reference to a limiting age. Under N.Y. I…Difficulty 1/5NY specific
- 383.A licensed producer in Buffalo prepares an advertisement that calls attention to an insurer that is not aut…Difficulty 2/5NY specific
- 384.Which conduct is a federal criminal offense under 18 U.S.C. §1033 for a person engaged in the business of i…Difficulty 3/5NY specific
- 385.A New York life insurer wants to identify applications that involve third-party premium financing. What doe…Difficulty 1/5NY specific
- 386.Under N.Y. Ins. Law §2107, an insurance 'consultant' is one who:Difficulty 1/5NY specific
- 387.Under the incontestability provision required in New York life policies, the policy becomes incontestable:Difficulty 1/5NY specific
- 388.A New York producer wants to leave small tokens with long-term care prospects. Under N.Y. Ins. Law §2324, w…Difficulty 3/5NY specific
- 389.Under the illegal occupation provision available in New York individual accident and health policies, the i…Difficulty 1/5NY specific
- 390.A licensed agent in Buffalo mails annuity solicitations to older consumers and signs them 'Certified Senior…Difficulty 2/5NY specific
- 391.Under New York's Medicare supplement replacement rules, which warning must the required notice regarding re…Difficulty 1/5NY specific
- 392.An Albany insured dies by suicide within two years of the policy's issue date. The policy contains New York…Difficulty 2/5NY specific
- 393.An employee in Buffalo loses her group life insurance when her employment terminates, and she wants to conv…Difficulty 2/5NY specific
- 394.Under N.Y. Ins. Law §3205, which of the following correctly describes who has an insurable interest in the …Difficulty 1/5NY specific
- 395.A group life insured in New York applies to convert his coverage to an individual policy after leaving the …Difficulty 1/5NY specific
- 396.Which statement about the regulation of life insurance advertising in New York is correct?Difficulty 1/5NY specific
- 397.What gives a licensed New York agent the legal authority to transact insurance business for a particular in…Difficulty 1/5NY specific
- 398.A New York applicant wants to buy life insurance on the life of a child who is under 14 years and 6 months …Difficulty 2/5NY specific
- 399.Rosa owns a flexible premium life insurance policy that was delivered in Manhattan, and she misses a schedu…Difficulty 2/5NY specific
- 400.A Rochester agent is deciding whether recommending a particular Medicare supplement policy to an applicant …Difficulty 1/5NY specific