NY-Life-Accident-and-Health 무료 덤프문제 온라인 액세스

Which of the following Long Term Disability clauses states that insureds are considered totally disabled when they CANNOT perform the major duties of a gainful occupation for which they are reasonably suited because of education, training, or experience?

• A.Presumptive disability clause.
• B.Any occupation clause.
• C.Partial disability clause.
• D.Regular occupation clause.

Predicting an individual ' s future earning potential and determining how much of that amount would be devoted to his dependents incorporates the

• A.salary projection approach.
• B.personal needs approach.
• C.loss exposure approach.
• D.human life value approach.

Which of the following services must be provided by a health benefit plan issued on or after January 1, 2014?

• A.Adult eye care services.
• B.Long-term care services.
• C.Adult dental care services.
• D.Preventive health services.

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.The growth of the policy ' s cash value is not subject to income tax while the policy is in force.
• B.It is subject to fluctuations of the company ' s overall performance.
• 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.

With respect to small group health benefit plans, a carrier may discontinue coverage or may refuse to renew such a plan if the employer

• A.has a supplemental plan with a competing carrier.
• B.employs fewer than 15 full-time employees.
• C.has filed for bankruptcy in the prior year.
• D.falls to pay the premium prior to the end of the grace period.