Free Individual Accident and Health Provisions Practice Questions
Alabama Accident & Health exam — 117 practice questions.
Subtopics: Free look on health policy, Entire contract, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Renewability - noncancelable, Free look, Nonrenewal notice, Renewability disclosure, Time of payment, Time limit on certain defenses, Change of occupation, Unpaid premium, Age limit, Ownership, Optional provisions, Time of payment of claims, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, Probationary period, Elimination period, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, Other insurance in this insurer, Insurance with other insurers, Other insurers per diem, Cancellation provision, Flat deductible, Per-cause deductible, All-cause deductible, Corridor deductible, Integrated deductible, Carryover provision, Common accident provision, Restoration of benefits, Benefit period medical, Lifetime maximum benefit, Assignment of benefits, Facility of payment, Period of coverage, Standard and optional provisions, Physical exam, Cancellation, Mandatory vs. optional, Renewability, Riders, Eligible expenses, Deductibles, Subrogation, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Alabama requires individual health policies (other than single-premium nonrenewable policies) to include a free-look notice allowing the insured to:
Return the policy within 10 days of delivery for a premium refund
Every individual disability policy except single-premium nonrenewable policies must allow return within 10 days of delivery for a refund of premium; the policy is then void from the beginning.
2. The entire contract provision in an individual health policy means:
The policy and attached application form the whole contract
The entire contract consists of the policy plus the attached application; the insurer cannot unilaterally alter it.
3. After a health policy has been in force for the stated period, the time limit on certain defenses provision:
Bars the insurer from voiding the policy for most misstatements
After the stated period, the insurer generally cannot void the policy or deny a claim for innocent misstatements.
4. The grace period in an individual health policy lets the insured:
Pay an overdue premium within a set time without losing coverage
The grace period allows payment of an overdue premium within a set number of days while coverage continues.
Practice: Individual Accident and Health Provisions
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
