最新なInsurance Licensing NY-Life-Accident-and-Health問題集（122題）、真実試験の問題を全部にカバー！

質問 1：
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. It is subject to fluctuations of the company ' s overall performance.
B. The policy ' s cash value is viewed as investment growth and therefore subject to taxation for each calendar year.
C. The cash value is not guaranteed.
D. The growth of the policy ' s cash value is not subject to income tax while the policy is in force.
正解：D
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
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
A. universal term life.
B. graded premium whole life.
C. variable universal life.
D. adjustable life.
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
HICs usually structure copayments to discourage:
A. Non-emergency visits to the emergency room
B. Preventive care
C. Outpatient X-rays
D. Prescription drug usage
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
Which of the following is a common exclusion from coverages found in accident and health policies?
A. self-inflicted injuries
B. emergency room coverages
C. chiropractic services
D. coordination of benefits
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
In a health insurance policy, an insured has an out-of-pocket limit of $10,000, a deductible of $500, and an
80%/20% coinsurance. The insured incurs $50,000 of covered losses in an accident. How much will the insurer have to pay?
A. $49,500
B. $40,000
C. $39,600
D. $35,500
正解：C
解説: (Pass4Test メンバーにのみ表示されます)