NY INDEPENDENT GENERAL ADJUSTER EXAM
SERIES 17-70 2026 QUESTIONS AND ANSWERS
◉ claims- health insurance. Answer: vary from one type of product
to the next
◉ reimbursement vs valued. Answer: reimbursement: contracts
base the amount of benefit on the loss that is actually incurred
Valued contracts pay a stipulated sum as set forth in the contract,
w/o regard for actual expenses
◉ Normal reinstatement period. Answer: 3 years from the date of
lapse
◉ insurer does not notify the insured of its decisions within how
many days of the date of application for reinstatement, the policy is
automatically reinstated. Answer: 45 days
◉ free-look period (lets policyowners return the policy to the
insurer within a limited time and receive a full refund of all
premiums and fee paid) begins when?. Answer: 10 days- when the
policy is delivered to the policyowner
,◉ probationary period in health insurance. Answer: exclude
coverage if illness-related losses only, accident-related losses are
covered
◉ probationary period in health insurance exist for how long.
Answer: its a limited time after a policy is first issued, while the
elimination period is imposed from the moment the policy is issued
◉ guaranteed renewable policy - medical expense/long-term care.
Answer: the insurer guarantees that, during the guaranteed
renewable period, it will cancel the policy, through it does have the
right to increase premiums
◉ dwelling 1. Answer: Fire, lighting and internal explosion and
v&mm
Optional extended windstorm, explosion, riot, aircraft vehicle smoke
volcanic eruption
◉ principal sum. Answer: the benefit payable for accidental death
◉ capital sum. Answer: the benefit payable in the event of accidental
dismemberment
◉ hospitalization. Answer: not required to be eligible for critical
illness benefit payments
,◉ blanket insurance. Answer: covers participants only when they
are actively participating in the covered activity
◉ dental indemnity plan. Answer: freedom to choose any dentist or
dental care provider
◉ prepaid dental plan. Answer: functions much like a health
maintenance organization (HMO), which also operate on a
prepayment-for-service model
◉ Skeletal system. Answer: comprised of bones as well as the
tendons, ligaments and cartilage that connect them
◉ soft tissue injuries. Answer: occur when muscles, ligaments or
tendons are damaged, typically from a sprain, strain or overuse of
part of the body
◉ nervous system. Answer: includes the brain, spinal cord sensory
organs, and all of the nerves that connect these organs with the rest
of the body
◉ traumatic brain injury. Answer: the function of the brain is
disrupted by a blow to the head, while an acquired brain injury is
, caused by conditions such as strokes, aneurysms, meningitis, brain
tumors or anoxia
◉ Tachycardia, atherosclerosis and coronary. Answer: thrombosis
are medical conditions that affect the heart
◉ Magnetic resonance imaging (MRI). Answer: a test procedure that
uses a strong magnetic field and radio waves to take detailed
pictures of organs, soft tissues, bones, and other structures inside
the body
◉ computerized tomograph. Answer: diagnostic imaging test that
combines x-ray images with the aid of a computer to generate cross-
sectional views and sometimes three-dimensional images of the
body internal structure
◉ Electromyogaphy (EMG). Answer: diagnostic procedure that is
used to evaluate the bodys nerve and muscle function, while an
electrocardiogram (EKG or CG) is medical test that records the
hearts electrical activity and checks for any problems
◉ electronencephalograph. Answer: is medical test that measure the
electrical activity of a persons brain
SERIES 17-70 2026 QUESTIONS AND ANSWERS
◉ claims- health insurance. Answer: vary from one type of product
to the next
◉ reimbursement vs valued. Answer: reimbursement: contracts
base the amount of benefit on the loss that is actually incurred
Valued contracts pay a stipulated sum as set forth in the contract,
w/o regard for actual expenses
◉ Normal reinstatement period. Answer: 3 years from the date of
lapse
◉ insurer does not notify the insured of its decisions within how
many days of the date of application for reinstatement, the policy is
automatically reinstated. Answer: 45 days
◉ free-look period (lets policyowners return the policy to the
insurer within a limited time and receive a full refund of all
premiums and fee paid) begins when?. Answer: 10 days- when the
policy is delivered to the policyowner
,◉ probationary period in health insurance. Answer: exclude
coverage if illness-related losses only, accident-related losses are
covered
◉ probationary period in health insurance exist for how long.
Answer: its a limited time after a policy is first issued, while the
elimination period is imposed from the moment the policy is issued
◉ guaranteed renewable policy - medical expense/long-term care.
Answer: the insurer guarantees that, during the guaranteed
renewable period, it will cancel the policy, through it does have the
right to increase premiums
◉ dwelling 1. Answer: Fire, lighting and internal explosion and
v&mm
Optional extended windstorm, explosion, riot, aircraft vehicle smoke
volcanic eruption
◉ principal sum. Answer: the benefit payable for accidental death
◉ capital sum. Answer: the benefit payable in the event of accidental
dismemberment
◉ hospitalization. Answer: not required to be eligible for critical
illness benefit payments
,◉ blanket insurance. Answer: covers participants only when they
are actively participating in the covered activity
◉ dental indemnity plan. Answer: freedom to choose any dentist or
dental care provider
◉ prepaid dental plan. Answer: functions much like a health
maintenance organization (HMO), which also operate on a
prepayment-for-service model
◉ Skeletal system. Answer: comprised of bones as well as the
tendons, ligaments and cartilage that connect them
◉ soft tissue injuries. Answer: occur when muscles, ligaments or
tendons are damaged, typically from a sprain, strain or overuse of
part of the body
◉ nervous system. Answer: includes the brain, spinal cord sensory
organs, and all of the nerves that connect these organs with the rest
of the body
◉ traumatic brain injury. Answer: the function of the brain is
disrupted by a blow to the head, while an acquired brain injury is
, caused by conditions such as strokes, aneurysms, meningitis, brain
tumors or anoxia
◉ Tachycardia, atherosclerosis and coronary. Answer: thrombosis
are medical conditions that affect the heart
◉ Magnetic resonance imaging (MRI). Answer: a test procedure that
uses a strong magnetic field and radio waves to take detailed
pictures of organs, soft tissues, bones, and other structures inside
the body
◉ computerized tomograph. Answer: diagnostic imaging test that
combines x-ray images with the aid of a computer to generate cross-
sectional views and sometimes three-dimensional images of the
body internal structure
◉ Electromyogaphy (EMG). Answer: diagnostic procedure that is
used to evaluate the bodys nerve and muscle function, while an
electrocardiogram (EKG or CG) is medical test that records the
hearts electrical activity and checks for any problems
◉ electronencephalograph. Answer: is medical test that measure the
electrical activity of a persons brain
