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New York Laws and rules Exam Questions and Answers(RATED A)
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Which of the following is required for the renewal of an agent's insurance license? - passing an examination - college credits - continuing education - pre licensing education - ANSWER-Continuing education Insurance agent Kelly offers a prospect a $1,000 shopping card if an insurance polic...

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  • October 6, 2024
  • 8
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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  • new york laws and rules exam questions and answers
  • new york laws and rules exam questions stuvia
  • which of the following is required for the renewal

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New York Laws and rules Exam Questions and
Answers(RATED A)


Which of the following is required for the renewal of an agent's insurance license?
- passing an examination
- college credits
- continuing education
- pre licensing education - ANSWER-Continuing education

Insurance agent Kelly offers a prospect a $1,000 shopping card if an insurance policy is
purchased through her. What illegal activity is this an example of?
- defamation
- twisting
- rebating
- coercion - ANSWER-Rebating

John the agent made public statements that falsely portrayed an insurer as insolvent.
John would be likely found guilty of
- twisting
- defamation
- rebating
- coercion - ANSWER-defamation

Replacement regulation is designed to protect
- insurers
- policyowners
- beneficiaries
- agents - ANSWER-Policyowners from misrepresentations and loss of benefits

All Agents shall maintain full and correct transaction records of business done by them
for a period of AT LEAST
- 2 (years)
-4
-6
- 8 - ANSWER-6 years

An example of endodontic treatment is a
- bridge
- crown
-filling
- root canal - ANSWER-root canal

, According the the affordable care act (ACA), what metal tier is required to have an
actuarial value of 70% with covered individuals paying 30% through deductibles, co-
pats, and other cost sharing features?
- bronze plan
- silver plan
- gold plan
- platinum plan - ANSWER-Silver plan

All Health Benefit Plans issued after January 1, 2014 must provide
- long-term care
- dental care
- adult vision
- preventative health services - ANSWER-preventative health services

Under the Affordable Care Act, how would a grandfathered health plan lose its
grandfathered status?
- the insurer applies a lifetime dollar limit on essential health benefits
- the insurer does not Re-apply for grandfathered status
- the insurer raises premiums across the board by 50%
- the insurer significantly raises co-insurance charges, deductibles, or co-payment
charges - ANSWER-The insurer significantly raises co-insurance charges, deductibles,
or co-payment charges

In New York, a long-term care policy must be _____ renewable?
- contingently
- conditionally
- guaranteed
- optionally - ANSWER-Guaranteed

New York Disability benefits Law provides cash payments to workers unable to work
because of.
- Injury or illness that occurred on the job
- Injuries only that occurred off the job
- Illnesses only that occurred on the job
- Non work related injuries or illnesses - ANSWER-Injury or illness that occurred on the
job

Long-term care policies sold in New York may NOT exclude coverage for:
- substance abuse
- self-inflicted injuries
- acts of war
- senile dementia - ANSWER-Senile dementia

Which of the following is included in the entire contract according to the entire contract
provision?
- investigative report

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