Nys Life, Health And Accident Already Passed

When an insurer combines two periods of disability into one, the insured must have suffered a {Ans: recurrent disability}Which of the following is NOT required on an illustration used in the sale of a life insurance policy? {Ans: The name of the primary and secondary beneficiaries}According to the Medical Loss Ratio (MLR), what is the minimum percentage of health coverage premium that must be applied to actual medical care in a large group health plan? {Ans: 85%}Under the Affordable Care Act, what percentage of preventive care must be covered without cost sharing? {Ans: 100%}All of the following may be excluded from coverage in a Major Medical Expense policy, EXCEPT {Ans: emergency surgery}The clause that protects the proceeds of a life insurance policy from creditors after the death of the insured is known as the {Ans: Spendthrift clause.}