Free Individual Accident and Health Provisions Practice Questions
Kansas Life, Accident & Health exam (series 12-KS-05) — 84 practice questions.
Subtopics: Change of occupation, Claim forms, Intoxicants and narcotics, Conformity with statutes, Policy modification, Preexisting condition, Insuring clause, Right to examine, Waiver of premium, Exclusions, Grace period, Nonrenewal notice, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Payment of claims, Legal actions, Time limit on defenses, Preexisting conditions, Cancellation by insured, Cancellation by insurer, Relation of earnings, Illegal occupation, Medicaid exclusions, Third-party ownership, Required provisions, Physical exam and autopsy, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Misstatement of age, Relation of earnings to insurance, 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. Under the optional change of occupation provision, if an insured moves to a more hazardous job, the insurer may:
Pay reduced benefits consistent with the higher-risk premium
If the insured takes a more hazardous job, benefits may be adjusted to what the premium would buy at the higher risk.
2. The claim forms provision requires the insurer, after receiving notice of claim, to:
Furnish claim forms within a stated time or accept proof in any form
The insurer must supply claim forms within a set time; otherwise the insured may submit proof in any reasonable form.
3. The intoxicants and narcotics optional provision lets the insurer deny benefits for losses:
Sustained while intoxicated or using non-prescribed narcotics
This optional provision lets the insurer exclude losses sustained while the insured is under the influence of intoxicants or non-prescribed narcotics.
4. The conformity with state statutes provision means any policy term that conflicts with state law is:
Automatically amended to meet the minimum state requirement
The conformity provision automatically conforms a conflicting policy term to the minimum required by state law.
All Life, Accident & Health topics
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.
