NYS Insurance Exam UPDATED ACTUAL Questions and
CORRECT Answers
every medicare supplement policy must have a notice this policy may not cover all of your medical expenses
to buyer on the front page that states
what does NOT need to be included on the first page premium rates
of a Medicare supplement policy
Medicare and Medigap policies provide coverage for False
long term custodial or nursing home care
An individual was denied coverage under social SIS rider
security because his disability did not meet the strict
definition of total disability used by social security.
What would provide disability income coverage?
If an agent follows the rules and terms of his agent Express authority
contract, he is exercising his
An insured is anxious to get treatment for a health The insured can select any specialist but non network specialists will have a
condition, and is convinced that a specialist is needed higher out of pocket cost
to cure the condition. If the insured has a PPO plan,
which of the following is true?
What is NOT true about insurance consultants They may own shares of the insurers they represent
An employee that becomes ineligible for group Within 60 days
coverage because of a termination of employment or
change in status must exercise extension of benifits
under COBRA
before an adjuster license may be issued an applicant $1,000
must file a surety bond with the superintendent in the
amount of
Whenever the superintendent has a reason to believe 10 days
that a person has violated or is about to violate any
unfair method of competition or unfair claim practice,
he or she may serve a statement of the charges and a
notice of a hearing. What is the timeframe for the
hearing after the notice is served?
Because of the imposed blackout period, the surviving He or she qualifies for retirement benefits
spouse will not receive social security benefits until
CORRECT Answers
every medicare supplement policy must have a notice this policy may not cover all of your medical expenses
to buyer on the front page that states
what does NOT need to be included on the first page premium rates
of a Medicare supplement policy
Medicare and Medigap policies provide coverage for False
long term custodial or nursing home care
An individual was denied coverage under social SIS rider
security because his disability did not meet the strict
definition of total disability used by social security.
What would provide disability income coverage?
If an agent follows the rules and terms of his agent Express authority
contract, he is exercising his
An insured is anxious to get treatment for a health The insured can select any specialist but non network specialists will have a
condition, and is convinced that a specialist is needed higher out of pocket cost
to cure the condition. If the insured has a PPO plan,
which of the following is true?
What is NOT true about insurance consultants They may own shares of the insurers they represent
An employee that becomes ineligible for group Within 60 days
coverage because of a termination of employment or
change in status must exercise extension of benifits
under COBRA
before an adjuster license may be issued an applicant $1,000
must file a surety bond with the superintendent in the
amount of
Whenever the superintendent has a reason to believe 10 days
that a person has violated or is about to violate any
unfair method of competition or unfair claim practice,
he or she may serve a statement of the charges and a
notice of a hearing. What is the timeframe for the
hearing after the notice is served?
Because of the imposed blackout period, the surviving He or she qualifies for retirement benefits
spouse will not receive social security benefits until
