Free Individual Accident and Health Provisions Practice Questions
Massachusetts Life, Accident & Health exam — 74 practice questions.
Subtopics: Notice of claim, Physical examination, Legal actions, Misstatement of age, Renewability, Change of occupation, Grace period, Proof of loss, Reinstatement, Payment of claims, Prompt payment, Claim forms, Dependent coverage, Newborn coverage, Accident-only policies, Age 65 cancellation, Required provisions, Time of payment of claims, 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, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Under the notice-of-claim provision, the insured must notify the insurer of a loss:
Within the time stated in the policy after the loss
Massachusetts requires written notice of claim within twenty days after the loss or as soon thereafter as reasonably possible.
2. The Massachusetts physical examinations provision lets the insurer, at its own expense, examine the insured while a claim is pending. Which of the following is NOT a right the Massachusetts provision gives the insurer?
Requiring an autopsy where not forbidden by law
Section 108(3)(a)(10) gives the insurer, at its own expense, the right to examine the insured when and as often as reasonably required during a pending claim; the provision contains no right to require an autopsy.
3. The legal actions provision in a health policy:
Sets the time period during which the insured may bring legal action
Massachusetts bars suit until 60 days after proof of loss and after three years from when proof of loss was required.
4. If an insured misstates their age on a health or life policy, the insurer generally will:
Adjust the benefit to what the premium would have purchased at the correct age
The misstatement of age provision adjusts the benefit to the amount the premium would have bought at the true age.
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.
