Free NYDFS NY-Life-Accident-and-Health-Insurance-Agent-Broker Exam Questions

Become NYDFS Certified with updated NY-Life-Accident-and-Health-Insurance-Agent-Broker exam questions and correct answers

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Total 120 Questions | Updated On: Aug 20, 2026

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Question 1

Which of the following producers, who have been licensed for a full biennial period, MUST complete continuing education requirements as a condition of renewing a license in New York?

A : Personal Lines agents

B : Independent adjusters

C : Baggage agents

D : Travel accident agents

Answer: A

Question 2

If an insured under a life insurance policy dies with an outstanding loan balance then the death benefit will

A : be reduced by the amount of the loan and interest owed.

B : not be paid until the loan is repaid.

C : be paid less the amount of the loan but not the interest.

D : be paid less the amount of the loan interest but not the principal.

Answer: A

Question 3

Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

A : the claim is under $500.

B : the insured is unable to pay an appeal fee.

C : the appeal is filed more than 180 days after the claim denial.

D : the insured has submitted three appeals within the calendar year.

Answer: C

Question 4

Which statement is NOT a characteristic of a Group Life Insurance Plan?

A : A master contract.

B : Probationary periods.

C : Individual underwriting.

D : Certificate of Insurance.

Answer: C

Question 5

Which statement is NOT a characteristic of a Group Life Insurance Plan?

A : A master contract.

B : Probationary periods.

C : Individual underwriting.

D : Certificate of Insurance.

Answer: C

Page: 1 / 24

Total 120 Questions | Updated On: Aug 20, 2026

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