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: Jun 17, 2026

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Question 1

A common disaster clause states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the

A : insured individual outlived the beneficiary.

B : beneficiary outlived the insured individual.

C : beneficiary was never named on the policy.

D : beneficiary and the insured individual died simultaneously.

Answer: A

Question 2

A common disaster clause states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the

A : insured individual outlived the beneficiary.

B : beneficiary outlived the insured individual.

C : beneficiary was never named on the policy.

D : beneficiary and the insured individual died simultaneously.

Answer: A

Question 3

Which of the following products is designed to pay benefits that can provide a stream of retirement income to the purchaser?

A : annuity contract

B : tax-deferred growth

C : variable life insurance

D : modified endowment contract

Answer: A

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 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

Page: 1 / 24

Total 120 Questions | Updated On: Jun 17, 2026

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