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

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

1. The cause of a loss is called

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

2. Someone who sells, solicits, or negotiates insurance contracts for compensation is called

A) an insurance producer.
B) an insurance adviser.
C) an independent insurance adjuster.
D) a life insurer.

3. Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

A) Spousal.
B) Dual capacity.
C) Survivorship.
D) Joint.

4. Penalties that may be levied by the Department of Insurance for committing insurance fraud do NOT include

A) fines.
B) license suspension.
C) probation.
D) license revocation.

5. In reference to life insurance in contract law, a person MOST likely will have an insurable interest in insuring a person ' s life if

A) the interest exists at the time of application.
B) the interest exists at the time of death.
C) any type of business relationship exists between the insured party and the beneficiary.
D) any type of distant family relationship exists with the insured party.

Solutions: