Free Individual Accident and Health Provisions Practice Questions
Arizona Life, Accident & Health exam (series 13-33) — 76 practice questions.
Subtopics: Entire contract, Guaranteed renewable, Time limit on defenses, Change of beneficiary, Grace period, Reinstatement, Notice of claim, Proof of loss, Physical exam and autopsy, Legal actions, Claim forms, Time of payment of claims, Payment of claims, Change of occupation, Misstatement of age, Incontestable option, Disabled dependent children, Family continuation, Required provisions, Time limit on certain defenses, Optional provisions, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Under Arizona's entire contract provision for individual health policies, who may change the policy or waive its provisions?
No agent; only an executive officer by endorsement
A.R.S. 20-1345 states no change is valid until approved by an executive officer and endorsed or attached, and no agent may change or waive provisions.
2. A guaranteed renewable individual health policy allows the insurer to:
Change premiums only for an entire class
Guaranteed renewable coverage must be renewed; rates may change on a class basis.
3. The time limit on certain defenses provision:
Limits how long non-fraudulent misstatements can void coverage
A.R.S. 20-1346 sets a two-year limit for non-fraudulent misstatements.
4. Under the change of beneficiary provision in an Arizona health or AD&D policy, the insured may change the beneficiary:
Without the beneficiary's consent, unless the designation is irrevocable
A.R.S. 20-1356 reserves the right to the insured unless an irrevocable designation was made.
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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.
