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Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions (Q49-Q54):
NEW QUESTION # 49
What is the purpose of the Accelerated Death Benefit Rider?
- A. To increase the death benefit by a stated percentage.
- B. To decrease the tax liability of the insured ' s estate.
- C. To provide for the early payment of the death benefit for a terminally ill insured.
- D. To adjust the death benefit to keep up with inflation.
Answer: C
Explanation:
The Accelerated Death Benefit Rider is designed to allow an insured who is terminally ill to receive all or part of the policy's death benefit before death . This rider is intended to help with serious financial needs that can arise at the end of life, such as medical expenses, long-term care costs, hospice care, or other personal obligations. Because the benefit is paid early, the amount ultimately payable to the beneficiary at the insured's death is typically reduced by the amount accelerated, plus any applicable charges.
This rider does not increase the death benefit by a stated percentage, so A is incorrect. It is also not primarily intended to reduce estate taxes, making C incorrect. Choice D describes a cost-of-living or inflation-related adjustment feature, not an accelerated death benefit. In licensing materials, the key phrase tied to this rider is early payment of the death benefit due to terminal illness . Therefore, the correct answer is B , because the rider's main purpose is to give the insured access to policy proceeds while still living when specific qualifying conditions are met
NEW QUESTION # 50
A company may insure an employee with specialized skills under a key employee disability insurance policy.
Which of the following statements is TRUE?
- A. The employee is the applicant.
- B. The employee pays the premium.
- C. The employee ' s spouse is the beneficiary.
- D. The business is the applicant.
Answer: D
Explanation:
The correct answer is A. The business is the applicant. In key employee disability insurance (also called key person disability income), the purpose of coverage is to protect the business against financial loss if an employee with unique skills, knowledge, or production value becomes disabled. New York's Life, Accident and Health Agent/Broker examination content outline specifically includes "Business disability insurance" and "Key person disability income" as tested topics, confirming that this is a recognized business-use disability coverage concept in the New York licensing curriculum.
Under this arrangement, the business applies for and owns the policy , pays the premiums, and is generally the beneficiary of any benefits payable because the loss being insured is the company's loss, not the employee's family loss. Industry explanations of key person disability insurance are consistent on this point: the key employee is the insured , while the company buys the coverage and makes the premium payments .
That makes the other options incorrect. The employee's spouse is not the beneficiary, the employee usually does not pay the premium, and the employee is not the applicant.
NEW QUESTION # 51
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
- A. The cash value is paid to the beneficiary.
- B. The cash value is paid to the IRS.
- C. The cash value is paid into the estate.
- D. The company keeps the cash value.
Answer: A
NEW QUESTION # 52
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?
- A. Nondisabling injury.
- B. Flat amount disability.
- C. Presumptive disability.
- D. Partial disability.
Answer: D
Explanation:
This situation describes a disability that does not completely prevent the insured from working, but does reduce the insured's ability to perform significant or "material" duties of the occupation , resulting in a loss of income . Under accident and health disability income concepts, that is the definition of partial disability , which pays benefits when the insured can work in a limited capacity (or perform only some duties) and suffers measurable earnings reduction. "Nondisabling injury" is typically a limited benefit that applies when an injury does not create disability as defined by the policy (often paying a small scheduled amount for medical/accidental injuries without inability to work). "Presumptive disability" refers to severe, specified losses (such as loss of sight, hearing, speech, or limbs) that trigger total disability benefits regardless of work capacity. "Flat amount disability" does not match the key clue in the question-eligibility based on decreased income -because partial disability provisions specifically tie benefits to reduced ability to work and corresponding earnings loss.
NEW QUESTION # 53
A single contract for group medical insurance issued to an employer is known as
- A. a certificate policy.
- B. an employer policy.
- C. a group policy.
- D. a master policy.
Answer: D
Explanation:
In group medical insurance, the insurer issues one main contract to the sponsoring entity-commonly an employer-covering the eligible group of employees. This single contract is called the master policy . The employer (or group sponsor) is the policyholder of the master contract, and it contains the controlling provisions: eligibility rules, benefits, limitations, exclusions, premium requirements, renewal provisions, and administrative terms.
Employees covered under the plan do not usually receive their own individual policies. Instead, each insured employee receives a certificate of insurance (sometimes called a certificate), which summarizes the essential coverage provisions and the benefits available to that employee under the master policy. The certificate is evidence of coverage, but it is not the controlling contract; the master policy governs.
Option A ("group policy") is a generic phrase and can refer broadly to group insurance, but the specific term for the single contract issued to the employer is master policy . Option C is not a standard insurance term, and option D is incorrect because a "certificate" is issued to employees, not as the primary contract.
NEW QUESTION # 54
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