Free Individual Accident and Health Provisions Practice Questions
California Accident & Health Agent exam (series Accident & Health) — 102 practice questions.
Subtopics: Grace period, Uniform provisions, Senior free look, Time limit on defenses, Reinstatement, Proof of loss, Entire contract, Notice of claim, Claim forms, Late proof of loss, Periodic payments, Legal actions, Legal action deadline, Physical exams, Payment of claims, Change of beneficiary, Reinstatement waiting, Change of occupation, Misstatement of age, Application alterations, DI claim payment, Time limit on certain defenses, Time of payment of claims, Physical exam and autopsy, 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, Unpaid premium, 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, Time of payment, Physical exam, Cancellation, Mandatory vs. optional, Renewability, Riders, Eligible expenses, Deductibles, Subrogation, Free look, Exclusions, Benefit limits
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. For an individual California disability policy paid monthly, the required grace period is:
10 days
California's uniform provisions require a grace period of 7 days weekly, 10 days monthly, and 31 days for other modes.
2. Individual California disability (health) policies must contain:
The compulsory uniform standard provisions in statutory language
California requires individual disability policies to include the compulsory uniform standard provisions.
3. California requires individual and group disability policies offered to persons age 65 or older to allow return for a full refund within:
30 days
Section 786 requires a 30-day examination period for disability policies offered to individuals age 65 or older; returned policies are void and premiums refunded.
4. A required uniform provision in California individual health policies makes the policy incontestable after it has been in force for:
2 years
The time-limit-on-certain-defenses provision makes the policy incontestable after two years except for fraudulent misstatements.
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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.
