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: Apr 28, 2026

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Question 1

Which type of annuity guarantees a level benefit payment?

A : Variable.

B : Universal.

C : Limited Life.

D : Fixed.

Answer: D

Question 2

Which of the following is a basic benefit of Medicare Supplemental insurance?

A : First 3 pints of blood each year.

B : At-home recovery.

C : Basic drugs limit of $1,250.

D : Preventive care.

Answer: A

Question 3

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 4

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 5

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

Page: 1 / 24

Total 120 Questions | Updated On: Apr 28, 2026

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