NY state insurance license
practice exam questions/answers
100% PASS
Under what circumstance does an accident and health insurer have the right to request an
autopsy?
1. When the claim exceeds an amount specified in the policy
2. When 2 days have passed after death
3. When not prohibited by state law
4. When consent is given by the beneficiary—ANSWER--3. When not prohibited by state law
Which of the following accurately describes the "time limit on certain defenses"?
,1. After a stated period of time, claims cannot be denied due to material misrepresentation
on the application
2. All claims can be disputed after two years
3. An insured cannot file a lawsuit within 90 days of the claim being filed
4. The right to return an accident and health policy must be within 10 days of policy
delivery—ANSWER--1. After a stated period of time, claims cannot be denied due to
material misrepresentation on the application
Patrick purchased a long-term care policy. He has a health condition for which medical
treatment was recommended by a physician within 6 months prior to the policy's effective
date. This condition is called a(n)
1. antecedent condition
2. pre-existing condition
3. hazardous condition
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
,4. grandfathered condition—ANSWER--2. pre-existing condition
Which of the following describes coverage for the Medicare Part B coinsurance?
1. Only a Long-term care policy will cover Medicare Part B coinsurance
2. A Medicare Supplement optional benefit
3. A Medicare Supplement core benefit
4. Medicare Part B does not require a coinsurance so no additional coverage is needed—
ANSWER--3. A Medicare Supplement core benefit
Larry has a Major Medical Expense policy for his family with a $1,000 per family/per year
deductible and an 80/20 coinsurance provision. If Larry's family files four claims of $400,
$800, $100, and $700 in one year, how much will the insurance company pay?
1. $500
2. $800
, 3. $1,000
4. $1,200—ANSWER--2. $800
(($400 + $800 + $100 + $700 = $2,000. The insurance company pays 80% of $1,000
(outstanding balance after deductible is paid), or $800.))
Long-term care policies issued in New York must provide benefits for at least
1. 6 months
2. 12 months
3. 18 months
4. 24 months—ANSWER--2. 12 months
Which of the following types of insurers limits the exposures it writes to those of its owners?
1. Restricted insurer
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
practice exam questions/answers
100% PASS
Under what circumstance does an accident and health insurer have the right to request an
autopsy?
1. When the claim exceeds an amount specified in the policy
2. When 2 days have passed after death
3. When not prohibited by state law
4. When consent is given by the beneficiary—ANSWER--3. When not prohibited by state law
Which of the following accurately describes the "time limit on certain defenses"?
,1. After a stated period of time, claims cannot be denied due to material misrepresentation
on the application
2. All claims can be disputed after two years
3. An insured cannot file a lawsuit within 90 days of the claim being filed
4. The right to return an accident and health policy must be within 10 days of policy
delivery—ANSWER--1. After a stated period of time, claims cannot be denied due to
material misrepresentation on the application
Patrick purchased a long-term care policy. He has a health condition for which medical
treatment was recommended by a physician within 6 months prior to the policy's effective
date. This condition is called a(n)
1. antecedent condition
2. pre-existing condition
3. hazardous condition
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
,4. grandfathered condition—ANSWER--2. pre-existing condition
Which of the following describes coverage for the Medicare Part B coinsurance?
1. Only a Long-term care policy will cover Medicare Part B coinsurance
2. A Medicare Supplement optional benefit
3. A Medicare Supplement core benefit
4. Medicare Part B does not require a coinsurance so no additional coverage is needed—
ANSWER--3. A Medicare Supplement core benefit
Larry has a Major Medical Expense policy for his family with a $1,000 per family/per year
deductible and an 80/20 coinsurance provision. If Larry's family files four claims of $400,
$800, $100, and $700 in one year, how much will the insurance company pay?
1. $500
2. $800
, 3. $1,000
4. $1,200—ANSWER--2. $800
(($400 + $800 + $100 + $700 = $2,000. The insurance company pays 80% of $1,000
(outstanding balance after deductible is paid), or $800.))
Long-term care policies issued in New York must provide benefits for at least
1. 6 months
2. 12 months
3. 18 months
4. 24 months—ANSWER--2. 12 months
Which of the following types of insurers limits the exposures it writes to those of its owners?
1. Restricted insurer
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
