NY-Life-Accident-and-Health考試 - NY-Life-Accident-and-Health考試重點

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最新的 Life, Accident, and Health NY-Life-Accident-and-Health 免費考試真題 (Q48-Q53):

問題 #48
Which of the following statements BEST describes a disability elimination period?

A. A dollar deductible rather than a time deductible.
B. A qualifying period.
C. A benefit or utilization period.
D. A time deductible rather than a dollar deductible.

答案：D

解題說明：
The correct answer is A. A time deductible rather than a dollar deductible. In disability income insurance, the elimination period is the span of time that must pass after a covered disability begins before benefits become payable. Instead of requiring the insured to first pay a certain amount of money out of pocket, as with a traditional health insurance deductible, disability coverage usually requires the insured to satisfy a waiting period measured in days . For this reason, the elimination period is commonly described as a time deductible .
This period helps the insurer avoid paying for very short-term disabilities and affects the policy's premium structure. In general, the longer the elimination period, the lower the premium , because the insured waits longer before receiving benefits. Common elimination periods may be 30, 60, 90, or 180 days depending on the policy. The other choices are not as accurate. It is not a benefit period , because the benefit period describes how long payments continue after they start. It is not a dollar deductible , and although "qualifying period" may sound similar, the standard licensing term used in disability insurance is elimination period , meaning a time deductible .

問題 #49
Which of the following is a characteristic of level premium term life insurance?

A. It provides for lower benefits.
B. It matches the level amount of protection on the insured ' s life expectancy.
C. The cost of insurance is averaged throughout the life of the contract.
D. It can be used for cash value.

答案：C

解題說明：
The correct answer is The cost of insurance is averaged throughout the life of the contract . Level premium term life insurance provides protection for a specified period-such as 10, 20, or 30 years-while keeping the premium amount the same each year during the term period . Even though the insured's probability of death increases as they age, the premium remains level because the insurer averages the cost of insurance over the entire term of the policy .
In the early years of the policy, the insured is statistically less likely to die, so the premium collected is somewhat higher than the actual cost of protection at that time. In later years, the risk of death increases, but the premium remains unchanged because the earlier excess premiums help offset the higher cost of coverage later in the term. This structure creates stable and predictable premium payments for the policyowner.
The other options are incorrect. Term life insurance does not build cash value , and the benefit amount is not necessarily lower or tied to life expectancy calculations in the manner described. The defining feature is the level premium created by averaging the cost over the policy term .

問題 #50
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?

A. The company keeps the cash value.
B. The cash value is paid to the IRS.
C. The cash value is paid to the beneficiary.
D. The cash value is paid into the estate.

答案：C

問題 #51
Group long-term disability benefit amounts are usually limited to what percentage of the participant ' s income?

A. 0
B. 1
C. 2
D. 3

答案：B

解題說明：
Group long-term disability (LTD) insurance is designed to replace a portion of an employee's income when a disabling sickness or injury prevents the employee from working for an extended period. Because disability benefits are intended to reduce financial hardship while also discouraging overinsurance (where someone could receive more income disabled than working), group LTD plans typically set benefits as a percentage of pre-disability earnings . In standard A & H licensing materials, the most common benefit level used in group LTD is 60% of the participant's income , often expressed as 60% of gross monthly earnings (sometimes coordinated with other income benefits and subject to a maximum monthly cap).
This 60% level is commonly used because it balances meaningful income replacement with the fact that certain work-related expenses may decrease during disability, and because taxes may affect net take-home pay depending on who paid the premium (employer vs. employee). Higher percentages like 80% or 100% are generally not typical for group LTD due to moral hazard concerns and plan design limits, while 40% is more common in some short-term disability arrangements or minimal designs. Therefore, the usual limit is 60% .

問題 #52
When marketing to groups for health insurance, who should be issued a certificate as proof of coverage?

A. Sponsor
B. Employer
C. Employee
D. HMO

答案：C

解題說明：
The correct answer is B. Employee. In group health insurance, the master policy is issued to the policyholder or sponsor , which is typically the employer or organization sponsoring the plan. Individual members of the group-usually employees-are not issued the master policy itself. Instead, they receive a certificate of coverage that summarizes the benefits, limitations, and procedures for obtaining benefits under the group plan. This certificate serves as the individual's proof of insurance coverage .
Under group insurance arrangements, each insured participant receives a certificate explaining the coverage provided under the master contract and outlining the essential features of the insurance. ( app.achievable.me ) The other options are incorrect because the sponsor or employer receives the master policy , not the certificate of coverage. The HMO or insurer is the entity providing the coverage and issuing the documents, not the party receiving the certificate as proof of coverage. Therefore, when health insurance is marketed to groups, the employee (or covered member) is issued a certificate as evidence of insurance coverage .

問題 #53
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