Free Individual Accident and Health Provisions Practice Questions
Illinois Life, Accident & Health exam — 75 practice questions.
Subtopics: Noncancelable, Guaranteed renewable, Change of occupation, Misstatement of age, Time of payment of claims, Payment of claims, Exclusions, Individual A&H free look, Accident only notice, Probationary periods, Riders reducing benefits, Time limit on certain defenses, Grace period, Reinstatement, Legal actions, Proof of loss, Claim payment interest, Claim delay notice, Premium notice, Required provisions, Notice of claim, Claim forms, Physical exam and autopsy, Change of beneficiary, Entire contract, Optional provisions, 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, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. A noncancelable individual health policy means the insurer:
Cannot cancel or raise the premium
A noncancelable policy cannot be canceled and its premium cannot be increased as long as premiums are paid.
2. A guaranteed renewable health policy permits the insurer to:
Raise rates by class but must renew
A guaranteed renewable policy must be renewed but premiums may be changed for an entire class.
3. Under the change of occupation provision an insured who takes a more hazardous job may have benefits:
Reduced to what the premium would buy at the riskier class
If the insured changes to a more hazardous occupation benefits may be reduced to what the premium would purchase at that class.
4. If a health insured's age was misstated the insurer will:
Pay what the premium would buy at the true age
The misstatement of age provision adjusts benefits to what the premium paid would have purchased 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.
