The New York Superintendent of Insurance will waive examination and education requirements for a non-resident applicant if applicant A pays an additional fee of $200 had a home state license that expired one year ago. had a home state license that expired two years ago. has a current valid license in the applicant's home state and is in good standing

Disclosure provisions are established for what purpose? 

A. explain grievance procedure 

B. available for just life and disability coverages 

C. used for certain changes in benefits and premiums

D. offer endorsement only after the application is approved

In New York, who has the right to the nonforfeiture values in an annuity?

A. Beneficiary 

B. Policyowner 

C. Insurer

D. Employer