Free Individual Accident and Health Provisions Practice Questions
Connecticut Life, Accident & Health exam (series 12-CT-03) — 81 practice questions.
Subtopics: Insuring clause, Guaranteed renewable, Noncancelable, Misstatement of age, Preexisting condition, Waiver of premium, Relation of earnings, Change of occupation, Illegal occupation, Unpaid premium, Entire contract, Agent authority, Time limit on certain defenses, Grace period, Reinstatement, Reinstatement sickness, Notice of claim, Claim forms, Proof of loss, Legal actions, Payment of claims, Periodic payments, Preexisting conditions, Pregnancy, Right to return, Accident only statement, Probationary period, AD&D time limit, Required provisions, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Optional provisions, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The insuring clause of a health policy primarily states:
The insurer's promise to pay benefits for covered losses
The insuring clause sets out the insurer's basic promise to pay benefits for covered losses.
2. A guaranteed renewable health policy lets the insurer:
Adjust premiums by class but not refuse renewal
A guaranteed renewable policy must be renewed if premiums are paid, though premiums may change by class.
3. A noncancelable disability policy differs from guaranteed renewable because the insurer also cannot:
Increase the premium above the guaranteed amount
In a noncancelable policy the insurer can neither cancel nor raise the premium above the guaranteed rate.
4. If an insured misstated age on a health application, the insurer may:
Adjust the benefits to what the premium would have purchased at the correct age
The misstatement of age provision adjusts benefits to what the premium paid would have bought at the true age.
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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.
