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Insurance Licensing NY-Life-Accident-and-Health exam : New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

NY-Life-Accident-and-Health Exam Simulator
  • Exam Code: NY-Life-Accident-and-Health
  • Exam Name: New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55
  • Updated: Oct 04, 2026
  • Q & A: 122 Questions and Answers
  • Insurance Licensing NY-Life-Accident-and-Health Q&A - in .pdf

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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:

SectionObjectives
State Regulations (New York)- Ethics and compliance
  • 1. Unfair trade practices
    • 2. Producer responsibilities and conduct
      - Licensing requirements
      • 1. Pre-licensing education requirements
        • 2. Application and background checks
          Accident and Health Insurance- Health insurance products
          • 1. Disability income insurance
            • 2. Hospital and medical expense coverage
              - Policy features and provisions
              • 1. Coordination of benefits
                • 2. Elimination periods and benefit limits
                  Insurance Fundamentals- Principles of insurance and risk management
                  • 1. Risk classification and pooling of risk
                    • 2. Insurable interest and indemnity concepts
                      - Insurance contract law basics
                      • 1. Elements of a valid contract
                        • 2. Policy provisions and clauses

                          Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions:

                          Question #1

                          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

                          • A. benefit checking.
                          • B. precertification authorization.
                          • C. concurrent review.
                          • D. claims adjudication.
                          Reveal Solution  Discussion  0

                          Correct Answer: C  πŸ—³οΈ

                          Explanation: Only visible for ITExamSimulator members. You can sign-up / login (it's free).

                          Question #2

                          Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

                          • A. the appeal is filed more than 180 days after the claim denial.
                          • B. the claim is under $500.
                          • C. the insured is unable to pay an appeal fee.
                          • D. the insured has submitted three appeals within the calendar year.
                          Reveal Solution  Discussion  0

                          Correct Answer: A  πŸ—³οΈ

                          Explanation: Only visible for ITExamSimulator members. You can sign-up / login (it's free).

                          Question #3

                          Sue Ellen is the sister of a licensed New York insurance producer, Frank Gillespie. Frank was recently killed in a car accident and Sue Ellen has been issued a temporary license to run Frank ' s agency. For what period of time is the initial temporary license valid?

                          • A. 6 months.
                          • B. 1 year.
                          • C. 2 years.
                          • D. 3 months.
                          Reveal Solution  Discussion  0

                          Correct Answer: A  πŸ—³οΈ

                          Explanation: Only visible for ITExamSimulator members. You can sign-up / login (it's free).

                          Question #4

                          Term life insurance differs from permanent life insurance in that MOST often, term life insurance

                          • A. has a longer premium payment period.
                          • B. accumulates a much smaller cash value.
                          • C. remains in force for a specific period of time.
                          • D. is automatically renewable at the end of the term period.
                          Reveal Solution  Discussion  0

                          Correct Answer: C  πŸ—³οΈ

                          Explanation: Only visible for ITExamSimulator members. You can sign-up / login (it's free).

                          Question #5

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

                          • A. Basic drugs limit of $1,250.
                          • B. First 3 pints of blood each year.
                          • C. Preventive care.
                          • D. At-home recovery.
                          Reveal Solution  Discussion  0

                          Correct Answer: B  πŸ—³οΈ

                          Explanation: Only visible for ITExamSimulator members. You can sign-up / login (it's free).

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