[2026] Use Real Insurance Licensing Dumps – 100% Free NY-Life-Accident-and-Health Exam Dumps [Q21-Q40]

QUESTION 21
The statement, ” Any person who knowingly and with intent to defraud any insurer or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty… ” MUST appear in all New York

QUESTION 22
Under the Affordable Care Act, an insurer may place dollar limits on coverage for

QUESTION 23
Medicaid provides which coverage that Medicare does NOT?

QUESTION 24
Which of the following groups is NOT eligible for the Healthy New York Program?

QUESTION 25
The cause of a loss is called

QUESTION 26
A whole life policy is replaced with an annuity without incurring a tax penalty. This is referred to as

QUESTION 27
What information must be included in the statement accompanying an insurance claim payment made by an insurer?

QUESTION 28
In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?

QUESTION 29
Multiple policies that are rated for different communities and have substantially similar benefits as determined by the superintendent will be required to:

QUESTION 30
An insurer monitors the care an insured is receiving in the hospital to be sure that everything is proceeding according to schedule. This BEST describes

QUESTION 31
Which of the following services must be provided by a health benefit plan issued on or after January 1, 2014?

QUESTION 32
According to the Affordable Care Act, a child can remain on a parent ‘ s health benefit plan until the child

QUESTION 33
What is an insurer ‘ s liability when it is discovered after an insured dies that the insured ‘ s age on the policy was misstated?

QUESTION 34
Which of the following is a basic benefit of Medicare Supplemental insurance?

QUESTION 35
What period of time can a life insurance application be backdated?

QUESTION 36
Which premium payment mode typically results in the lowest overall cost for a life insurance policy?

QUESTION 37
With respect to a life settlement contract, no person shall directly or indirectly pay a referral or finders fee to any person other than the

QUESTION 38
Individuals who are eligible for Medicare on the first day of the month in which they turn age 65 are automatically enrolled in

QUESTION 39
Which of the following is a common exclusion from coverages found in accident and health policies?

QUESTION 40
In a health insurance policy, an insured has an out-of-pocket limit of $10,000, a deductible of $500, and an
80%/20% coinsurance. The insured incurs $50,000 of covered losses in an accident. How much will the insurer have to pay?