New york life accident - Study guides, Class notes & Summaries

New York Life Insurance Questions and Answers Already Passed Accelerated Benefits Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. Accidental Death Benefits A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. Accidental Death Insurance An insurance policy that provides payment if the insured's death is the result of an acc...

New York Life, Accident and Health Questions and Answers Graded A+ Kurt is an active duty serviceman who was recently killed in an accident while home on leave. Which military service exclusion clause would pay upon his death? - active - status - results - leave results A rehabilitation benefit is intended to: - prepare the insured to return to employment - minimize the insurers liability - give the insured time to find a new career - increase the overall benefits given to the insured pr...

A "premature" distribution from a modified endowment contract (MEC) incurs a penalty tax of - 10% A characteristic of preferred provider organizations (PPO) is - If service is obtained outside the PPO, benefits are reduced and costs increase A copy of all Medicare Supplement advertisements must be submitted for approval to - The Superintendent of Insurance A disabled business owner who has payroll and business expenses paid for has what kind of insurance policy? - Business Overhead Expe...

Pre-Final Exam - New York Life, Accident and Health/ 150 Q&A/ . Terms like: A retired couple would like to maximize the income derived from their combined life savings and have it payable until they both die. Which annuity would be their best choice? - Answer: Joint and survivor annuity Major medical plans typically exclude coverage for which of the following benefits? - Answer: Custodial care

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PRE-FINAL EXAM - NEW YORK LIFE, ACCIDENT AND HEALTH QUESTIONS AND ANSWERS LATEST UPDATE GRADE A SCORED

A beneficiary change can occur? - normally at any time during the policy term A disability policy where the premiums are due monthly require a grace period of? - 10 days A domestic insurance company in NY must - formed under the laws of New York A dread disease policy is considered to be a type of? - Limited health insurance policy (travel accidents, dread disease, hospital income) A field underwriter's main task is? - To ensure an applicant's medical info is accurate and complete A hosp...

What happens when an initial offer is answered with a counteroffer? - Initial offer is void According to the Affordable Care Act (ACA), dependent children may remain on their parent's plan until what age? - Age 26 The premiums paid by an employer for his employee's group life insurance are usually considered to be - tax-deductible to the employer A family group accident and health insurance policy must continue coverage for each unmarried child at least until age - 19 A life insura...

New York Life, Accident and Health Insurance Exam QUESTIONS And Answers Verified By Expert GRADED A+.docx