Free New York Life & Health Insurance Practice Exam 2026

New York life and health insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. An agent replaces a client's annuity with a new one. Within how long after delivering the new contract must the replacing insurer send the existing insurer the disclosure statement?

   • A.60 days
   • B.10 days
   • C.5 days
   • D.30 days

   Answer: B. 11 NYCRR 51.6(b) requires the replacing insurer, within ten days of delivery, to send the existing insurer the completed Disclosure Statement and a list of the sales material used. The 60-day figure is the owner's refund right on the replacement contract.

2. 2. Under the New York Insurance Law, an applicant's false statement can void a life policy only if:

   • A.It was in a signed statement
   • B.It concerned any past illness
   • C.It was discovered within a year
   • D.The insurer would have refused it

   Answer: D. Insurance Law section 3105(b) makes a misrepresentation grounds to avoid the contract only if it is material, meaning knowledge of the true facts would have led the insurer to refuse to make the contract. Evidence of the insurer's practice with similar risks is admissible to prove materiality.

3. 3. A covered son with a developmental disability reaches his parent's policy's limiting age and cannot support himself. To keep him covered, the parent must submit proof of incapacity within:

   • A.31 days
   • B.60 days
   • C.90 days
   • D.One year

   Answer: A. Insurance Law section 3216(c)(4)(A) keeps coverage in force for a dependent who is incapable of self-sustaining employment because of mental illness, developmental disability or physical handicap and chiefly dependent on the policyholder, if proof is submitted within 31 days after the limiting age.

4. 4. Under New York's group health continuation law, the most a person continuing coverage may be charged is:

   • A.110% of the group rate
   • B.150% of the group rate
   • C.102% of the group rate
   • D.100% of the group rate

   Answer: C. Insurance Law section 3221(m) caps the continuation premium at 102% of the group rate for the benefits being continued. Continuation ends early if premiums are not paid on time.

5. 5. A 72-year-old New Yorker with heart disease applies for a Medicare supplement policy long after her initial enrollment. The insurer:

   • A.May charge more for her age
   • B.Must wait for open enrollment
   • C.Must accept her at any time
   • D.May decline her for health

   Answer: C. Insurance Law section 3231(a) requires Medicare supplement insurance in New York to be community rated and offered to applicants at any time during the year, so the insurer cannot decline her or rate her by age. The federal six-month open enrollment window matters less in New York for that reason.

6. 6. Before a New York life insurer may require an HIV test of an applicant, it must obtain the applicant's:

   • A.Written informed consent
   • B.Physician's referral
   • C.Recorded oral agreement
   • D.Clean MIB report on file

   Answer: A. Insurance Law section 2611 bars an insurer from requesting or requiring an HIV-related test without the applicant's prior written informed consent on a dated form that describes the test and its purpose. The form also lets the applicant name who receives specific results after an adverse underwriting decision.