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NY-Life-Accident-and-Health Latest Test Materials | Certification NY-Life-Accident-and-Health Test Questions

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100% Pass Quiz 2026 Insurance Licensing NY-Life-Accident-and-Health: Accurate New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Latest Test Materials

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Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 Sample Questions (Q111-Q116):

NEW QUESTION # 111
Which of the following statements BEST describes a single premium cash value policy?

A. It waives one future premium if the owner becomes disabled.
B. It requires the policyowner to pay one premium annually.
C. It requires only one payment to make the policy paid up.
D. It provides for only one premium to be paid without evidence of insurability.

Answer: C

Explanation:
A single premium cash value life insurance policy is a form of permanent insurance that is fully funded with one lump-sum premium payment at the time of purchase. After that single payment is made, the policy is considered paid-up , meaning no additional premiums are required to keep the coverage in force for the policy' s duration (as long as no loans/withdrawals or other actions cause lapse). Because it is permanent insurance, it is designed to build cash value , and the death benefit remains in effect subject to the contract terms.
Option B is incorrect because "only one premium without evidence of insurability" describes a guaranteed insurability-type concept, not single premium funding; single premium policies still require underwriting at issue. Option C describes a waiver of premium benefit (typically waiving premiums during disability), not a single premium policy. Option D describes an annual premium mode (payment frequency), not a one-time premium. Therefore, the best description is that it requires only one payment to make the policy paid up.

NEW QUESTION # 112
Some states have laws ensuring that health insurance coverages are available at a reasonable cost and under reasonable conditions for small employers. Small employers are defined as having no more than

A. 200 employees.
B. 100 employees.
C. 75 employees.
D. 150 employees.

Answer: B

Explanation:
The correct answer is 100 employees . In accident and health insurance licensing material, "small employer" or "small group" generally refers to an employer with 1 to 100 employees for purposes of small-group health insurance market rules. These laws are intended to make coverage more available and affordable for smaller businesses that may not have the bargaining power of large employers. They are commonly associated with protections involving availability of coverage, renewal standards, rating limitations, and fair underwriting conditions in the small-group market.
This question tests recognition of the standard upper limit used in modern health insurance regulation for a small employer group. The other options-75, 150, and 200-do not match the commonly tested definition.
In exam context, the purpose is to distinguish small-group health coverage from large-group coverage, because different rules may apply to eligibility, premium determination, and mandated access. So, when a health insurance question asks how many employees a "small employer" may have under these types of laws, the expected answer is no more than 100 employees .

NEW QUESTION # 113
For three weeks next month a company ' s employees will choose to enroll or remain enrolled in their HMO or change health plans. What is this situation called?

A. annual open enrollment
B. coverage authorization period
C. annual gatekeeper enrollment
D. employer sponsored health plan

Answer: A

Explanation:
The correct answer is annual open enrollment . In accident and health insurance, open enrollment is the designated period during which eligible employees may enroll in a health plan, remain in their current plan, or switch to another available plan option , such as changing from one HMO or managed care arrangement to another health plan offered by the employer. This enrollment window is generally provided once each year, which is why it is called annual open enrollment.
This period is important because outside of open enrollment, employees are usually allowed to make changes only if they experience a qualifying life event , such as marriage, divorce, birth of a child, or loss of other coverage. During annual open enrollment, employees review benefits, costs, provider networks, and coverage features before selecting the plan that best fits their needs for the upcoming coverage period.
The other options are incorrect because "annual gatekeeper enrollment" and "coverage authorization period" are not standard insurance terms for selecting or changing plans, and "employer sponsored health plan" refers to the type of coverage arrangement itself, not the election period. Therefore, annual open enrollment is the correct term.

NEW QUESTION # 114
The cause of a loss is called

A. an exposure.
B. a peril.
C. a risk.
D. a hazard.

Answer: B

Explanation:
In insurance terminology, the cause of a loss is known as a peril . A peril is the specific event or cause that results in damage, injury, or financial loss. Common examples of perils include fire, theft, accident, illness, disability, or death . In life and health insurance, the insured event-such as death in life insurance or sickness and accidental injury in health insurance-is considered the peril that triggers the insurer's obligation to pay benefits under the policy. Insurance policies are designed to provide financial protection against losses that result from covered perils.
It is important to distinguish a peril from other related insurance concepts. A hazard is a condition or situation that increases the likelihood or severity of a loss caused by a peril. Hazards are typically categorized as physical hazards (such as icy roads or faulty wiring), moral hazards (dishonesty or fraudulent behavior), and morale hazards (carelessness because of insurance coverage). An exposure refers to the possibility of loss, while risk refers to the uncertainty regarding the occurrence of a loss. Therefore, the term that specifically describes the direct cause of a loss is a peril .

NEW QUESTION # 115
An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice of how the cash value will be invested. The insured should purchase

A. variable universal life.
B. universal term life.
C. adjustable life.
D. graded premium whole life.

Answer: A

Explanation:
The correct answer is variable universal life . This policy combines the core features of universal life and variable life . From universal life, it provides flexible premiums and the ability to adjust the death benefit within policy limits. From variable life, it gives the policyowner the choice of how the cash value will be invested , typically through separate account investment options. This makes variable universal life the only option listed that includes all three elements named in the question.
An adjustable life policy allows changes in features such as premium, face amount, or period of protection, but it does not give the owner direct control over investment of the policy's cash value in separate accounts.
Universal term life is not a standard policy form used to describe investment-directed permanent cash value coverage. Graded premium whole life involves premiums that start lower and increase later, but it does not offer flexible premium design combined with investment choice.
Because the question specifically requires flexible premium , adjustable death benefit , and investment control over cash value , the correct answer is C. variable universal life .

NEW QUESTION # 116
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