2026 100% Free NY-Life-Accident-and-Health Daily Practice Exam With 122 Questions [Q66-Q84]

NEW QUESTION 66
Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

NEW QUESTION 67
Multiple policies that are rated for different communities and have substantially similar benefits as determined by the superintendent will be required to:

NEW QUESTION 68
What is an insurer ‘ s liability when it is discovered after an insured dies that the insured ‘ s age on the policy was misstated?

NEW QUESTION 69
With the majority of companies, within how many days does the free-look provision allow the insured the right to return the life insurance policy for full premium?

NEW QUESTION 70
At the time of an insured ‘ s death, a per capita distribution of policy proceeds are paid to

NEW QUESTION 71
Who would NOT be covered under an additional insured rider attached to a life insurance policy?

NEW QUESTION 72
A Medicare Supplement policy must NOT contain benefits which

NEW QUESTION 73
Someone who sells, solicits, or negotiates insurance contracts for compensation is called

NEW QUESTION 74
The insured, who is 59 years of age decides to replace a long-term care policy they had for five years for a new policy. Which of the following is true of the insurer?

NEW QUESTION 75
Mortality is based on a large risk pool of

NEW QUESTION 76
Which of the following statements BEST describes a single premium cash value policy?

NEW QUESTION 77
On or after January 1, 2014, employers with no more than 25 full time equivalent employees (FTEs) with average annual wages of less than $50,000 may be eligible for a tax credit of up to how much of the premiums paid by the employer?

NEW QUESTION 78
The insured ‘ s long-term care insurance policy will refund a portion of the premium if they die during the term of the policy. This is because the policy has a

NEW QUESTION 79
A single contract for group medical insurance issued to an employer is known as

NEW QUESTION 80
With regard to Disability Insurance, the waiting period is to

NEW QUESTION 81
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?

NEW QUESTION 82
In accidental injury insurance, the insurance policy, the endorsements, and any relevant papers attached to the policy make up the:

NEW QUESTION 83
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?

NEW QUESTION 84
The PRIMARY purpose of respite care is to