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NY SERIES 17-52 ACTUAL EXAM
UPDATED ACTUAL EXAM WITH CORRECT
SOLUTIONS.
How many eligible employees must be included in a contributory health insurance plan? - correct answer- 50%
A man works for Company A and his wife works for Company
- The spouses are covered by health plans through their
respective companies that also cover the other spouse. If the husband files a claim, - correct answer- The insurance through his company is primary.
What is the period of coverage for events such as death or divorce under COBRA? - correct answer- 36 months
Twenty-five days after a health insurance policy is delivered, the policyowner decides that she would like to return the policy and receive a refund of premium. Which of the following is true? - correct answer- The policyowner will not receive a refund because the free-look period is over.
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An insured is involved in a car accident. In addition to general, less serious injuries, he permanently loses the use of his leg and is rendered completely blind. The blindness improves a month later. To what extent will he receive Presumptive Disability benefits? - correct answer- No benefits
For the purpose of insurance, risk is defined as - correct answer- The uncertainty or chance of loss.
Which of the following is an example of a producer's fiduciary duty? - correct answer- The trust that a client places in the producer in regard to handling premiums.
Which of the following is NOT true of basic medical expense plans? - correct answer- Coverage for catastrophic medical expenses
Which of the following is NOT a feature of a noncancellable policy? - correct answer- The insurer may terminate the contract only at renewal for certain conditions.
What is the best way to change an application? - correct answer- Start over with a fresh application
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