Insurance Licensing NY-Life-Accident-and-Health : New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

NY-Life-Accident-and-Health pass collection

Exam Code: NY-Life-Accident-and-Health

Exam Name: New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55

Updated: Jul 27, 2026

Q & A: 122 Questions and Answers

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Insurance Licensing NY-Life-Accident-and-Health Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Accident and Health Insurance35%- Government Health Programs
  • 1. New York State Specific Programs
    • 2. Medicare and Medicaid
      - Health Insurance Basics
      • 1. Group vs Individual Coverage
        • 2. Medical Expense and Disability Income
          - Policy Provisions and Claims
          • 1. Eligibility and Enrollment
            • 2. Coordination of Benefits
              Topic 2: Life Insurance Products and Provisions30%- Policy Provisions, Riders and Options
              • 1. Non-forfeiture Values and Dividends
                • 2. Beneficiary Designations
                  - Types of Life Insurance Policies
                  • 1. Term, Whole Life, Universal Life
                    • 2. Annuities and Retirement Products
                      Topic 3: Underwriting, Marketing and Sales Practices15%- Sales and Customer Service
                      • 1. Suitability and Disclosure Requirements
                        - Application and Underwriting Procedures
                        • 1. Risk Classification and Selection
                          Topic 4: Insurance Regulation and General Principles20%- Insurance Concepts
                          • 1. Risk Management and Insurable Interest
                            • 2. Contract Law and Policy Structure
                              - New York Insurance Code and Laws
                              • 1. Unfair Trade Practices
                                • 2. Producer Responsibilities and Ethics
                                  • 3. Licensing Requirements and Procedures

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

                                    1. Who would NOT be covered under an additional insured rider attached to a life insurance policy?

                                    A) Dependent parents.
                                    B) Minor children.
                                    C) A spouse.
                                    D) Employees.


                                    2. Which of the following is a life insurance contract written on the life of an individual?

                                    A) Insurance.
                                    B) Joint Life Contract.
                                    C) Survivorship Policy.
                                    D) Single-Life Insurance.


                                    3. In health insurance policies, the reinstatement provision is

                                    A) not required.
                                    B) elective.
                                    C) mandatory.
                                    D) optional.


                                    4. Which type of annuity guarantees a level benefit payment?

                                    A) Universal.
                                    B) Fixed.
                                    C) Limited Life.
                                    D) Variable.


                                    5. A Medicare Supplement policy must NOT contain benefits which

                                    A) duplicate Medicare benefits.
                                    B) are covered by Workers Compensation.
                                    C) cover more than Medicare coverage.
                                    D) charge additional premiums.


                                    Solutions:

                                    Question # 1
                                    Answer: D
                                    Question # 2
                                    Answer: D
                                    Question # 3
                                    Answer: C
                                    Question # 4
                                    Answer: B
                                    Question # 5
                                    Answer: A

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