최신NY-Life-Accident-and-Health최신덤프샘플문제인기덤프문제

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IT업계에서 자신만의 위치를 찾으려면 자격증을 많이 취득하는것이 큰 도움이 될것입니다. Insurance Licensing 인증 NY-Life-Accident-and-Health시험은 아주 유용한 시험입니다. Insurance Licensing 인증NY-Life-Accident-and-Health시험출제경향을 퍼펙트하게 연구하여Itexamdump에서는Insurance Licensing 인증NY-Life-Accident-and-Health시험대비덤프를 출시하였습니다. Itexamdump에서 제공해드리는Insurance Licensing 인증NY-Life-Accident-and-Health시험덤프는 시장에서 판매하고 있는Insurance Licensing 인증NY-Life-Accident-and-Health덤프중 가장 최신버전덤프로서 덤프에 있는 문제만 공부하시면 시험통과가 쉬워집니다.

지난 몇년동안 IT산업의 지속적인 발전과 성장을 통해Insurance Licensing 인증NY-Life-Accident-and-Health시험은 IT인증시험중의 이정표로 되어 많은 인기를 누리고 있습니다. IT인증시험을Itexamdump덤프로 준비해야만 하는 이유는Itexamdump덤프는 IT업계전문가들이 실제시험문제를 연구하여 시험문제에 대비하여 예상문제를 제작했다는 점에 있습니다.

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NY-Life-Accident-and-Health최신 기출문제 - NY-Life-Accident-and-Health인증덤프공부자료

현재 많은 IT인사들이 같은 생각하고 잇습니다. 그것은 바로Insurance Licensing NY-Life-Accident-and-Health인증시험자격증 취득으로 하여 IT업계의 아주 중요한 한걸음이라고 말입니다.그만큼Insurance Licensing NY-Life-Accident-and-Health인증시험의 인기는 말 그대로 하늘을 찌르고 잇습니다,

최신 Life, Accident, and Health NY-Life-Accident-and-Health 무료샘플문제 (Q11-Q16):

질문 # 11
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

정답：C

설명：
The correct answer is variable universal life . This policy combines the core features of universal life and variable life . From universal life, it provides flexible premiums and the ability to adjust the death benefit within policy limits. From variable life, it gives the policyowner the choice of how the cash value will be invested , typically through separate account investment options. This makes variable universal life the only option listed that includes all three elements named in the question.
An adjustable life policy allows changes in features such as premium, face amount, or period of protection, but it does not give the owner direct control over investment of the policy's cash value in separate accounts.
Universal term life is not a standard policy form used to describe investment-directed permanent cash value coverage. Graded premium whole life involves premiums that start lower and increase later, but it does not offer flexible premium design combined with investment choice.
Because the question specifically requires flexible premium , adjustable death benefit , and investment control over cash value , the correct answer is C. variable universal life .


질문 # 12
Which of the following services must be provided by a health benefit plan issued on or after January 1, 2014?

정답：C

설명：
The correct answer is D. Preventive health services. Health benefit plans issued on or after January 1, 2014 became subject to the Affordable Care Act's essential health benefit and preventive-service requirements for non-grandfathered coverage in the individual and small-group markets. Those rules require coverage for specified preventive services without cost-sharing when provided in accordance with federal guidelines. New York's post-2014 marketplace coverage materials likewise explain that plans must include the ACA's required essential health benefits, which include preventive and wellness services.
The other options are not the mandatory general requirement described in this question. Adult eye care and adult dental care are not universally required as core benefits in the same way preventive services are; the ACA's pediatric services category specifically includes pediatric vision and dental, not broad adult routine vision or dental as mandatory across all such plans. Long-term care services are also not one of the essential health benefits that every post-2014 health benefit plan must provide. Therefore, among the choices given, the service that must be provided is preventive health services


질문 # 13
The insured ' s long-term care insurance policy will refund a portion of the premium if they die during the term of the policy. This is because the policy has a

정답：C

설명：
The correct answer is return of premium benefit . In long-term care insurance, a return of premium rider or benefit provides that if the insured dies while the policy is in force, some or all of the premiums paid may be refunded, usually to a beneficiary or the insured's estate, depending on the terms of the contract. This feature is designed to reduce the concern that the insured may pay premiums for many years and never use the policy' s long-term care benefits.
This benefit is different from a waiver of premium , which suspends premium payments after the insured qualifies for benefits under the policy, typically after a waiting period. It is also different from a reduced paid- up option , which allows coverage to continue at a reduced benefit level without further premium payments, and from a cash surrender value option , which generally applies when the policy is voluntarily surrendered rather than when the insured dies.
Because the question specifically states that a portion of the premium is refunded upon death during the term of the policy , the policy feature being described is the return of premium benefit . Therefore, Option B is correct.


질문 # 14
Which of the following is a potential DISADVANTAGE of a fixed annuity?

정답：B

설명：
A fixed annuity provides payments (or credited interest during accumulation) based on a guaranteed rate and
/or guaranteed payout set by the insurer. Because the payment amount is generally level once annuitized (unless an inflation rider or increasing-payment option is selected), the key drawback is inflation risk : over time, rising prices can reduce the purchasing power of those fixed payments. In other words, the annuitant may receive the same dollar amount each period, but that amount may buy less in the future.
Option B describes a feature more consistent with variable annuities , where benefits are not guaranteed at a specific level because values depend on investment performance. Option C is also a characteristic of variable annuities (separate account investments and fluctuating returns), not fixed annuities. Option D is not a standard limitation of fixed annuities; payout periods depend on the selected settlement option (life, period certain, joint life, etc.), not an automatic "2 years after death" cap. Therefore, the commonly tested disadvantage of a fixed annuity is the potential erosion of buying power due to inflation.
Thought for a few seconds


질문 # 15
Which approach considers the future needs of the survivors in determining amounts of life insurance?

정답：A

설명：
The Needs Approach is a method used to determine the appropriate amount of life insurance by analyzing the financial needs of the insured's survivors after the insured's death . This approach focuses on calculating how much money dependents will require to maintain financial stability and meet future obligations. Under this method, several categories of needs are considered, including immediate expenses (such as funeral costs, medical bills, and estate settlement costs), ongoing living expenses for surviving family members, debt repayment (such as mortgages, loans, or credit obligations), and future financial goals like children's education or spousal retirement needs. The total of these financial requirements is calculated, and any existing assets or resources available to the family are subtracted to determine the amount of life insurance needed .
In contrast, the Human Life Value Approach focuses on the insured's


질문 # 16
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인재도 많고 경쟁도 치열한 이 사회에서 IT업계 인재들은 인기가 아주 많습니다.하지만 팽팽한 경쟁률도 무시할 수 없습니다.많은 IT인재들도 어려운 인증시험을 패스하여 자기만의 자리를 지켜야만 합니다.우리 Itexamdump에서는 마침 전문적으로 이러한 IT인사들에게 편리하게 시험을 패스할수 있도록 유용한 자료들을 제공하고 있습니다. Insurance Licensing 인증NY-Life-Accident-and-Health인증은 아주 중요한 인증시험중의 하나입니다. Itexamdump의Insurance Licensing 인증NY-Life-Accident-and-Health로 시험을 한방에 정복하세요.

NY-Life-Accident-and-Health최신 기출문제: https://www.itexamdump.com/NY-Life-Accident-and-Health.html

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동욱이 아무리 뛰어난 반사신경을 가졌다고 해도 바로 앞에서 예고도 없이 날아오는NY-Life-Accident-and-Health핸드폰을 막을 수는 없었다, 그러자, 학생은 고민 끝에 손을 덜덜 떨며 암나이트 교수의 콧잔등에 난 상처를 짚었다, 덤프구매후 시험불합격시 덤프결제 취소서비스.

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