Insurance Licensing New York Life, Accident and Health Insurance Agent/Broker Examination Series 17-55 NY-Life-Accident-and-Health Prüfungsfragen mit Lösungen:
1. An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice of how the cash value will be invested. The insured should purchase
A) graded premium whole life.
B) variable universal life.
C) adjustable life.
D) universal term life.
2. Which of the following products is designed to pay benefits that can provide a stream of retirement income to the purchaser?
A) modified endowment contract
B) annuity contract
C) tax-deferred growth
D) variable life insurance
3. An insured individual who has been diagnosed with osteoporosis needs therapy in her home. Which type of long-term care benefit would be MOST appropriate for her?
A) Skilled nursing care.
B) Home health care.
C) Intermediate care.
D) Adult day care.
4. An insured owns a whole life policy that has accumulated cash value. Which of the following statements is true about the policy ' s cash value?
A) It is subject to fluctuations of the company ' s overall performance.
B) The growth of the policy ' s cash value is not subject to income tax while the policy is in force.
C) The policy ' s cash value is viewed as investment growth and therefore subject to taxation for each calendar year.
D) The cash value is not guaranteed.
5. Which type of annuity guarantees a level benefit payment?
A) Fixed.
B) Universal.
C) Limited Life.
D) Variable.
Fragen und Antworten:
| 1. Frage Antwort: B | 2. Frage Antwort: B | 3. Frage Antwort: B | 4. Frage Antwort: B | 5. Frage Antwort: A |
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