Free Individual Accident and Health Provisions Practice Questions
Maryland Life, Accident & Health exam — 78 practice questions.
Subtopics: Change of beneficiary, Change of occupation, Misstatement of age (health), Conformity with state statutes, Illegal occupation, Intoxicants and narcotics, Optionally renewable, Conditionally renewable, Relation of earnings to insurance, Unpaid premium, Health free look, Grace period by mode, Grace period other modes, Conditional receipt reinstatement, Reinstatement premium, Time limit on certain defenses, Continuing disability notice, Late proof of loss limit, Legal action deadline, Periodic benefit payments, Facility of payment health, Assignment to providers, Nonrenewal for health, Nonrenewal notice, Entire contract changes, Preexisting rider rule, Crime exclusion, Required provisions, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Entire contract, Optional provisions, Grace period, Guaranteed renewable, Noncancelable, Pre-existing condition, Free-look provision, Insuring clause, Misstatement of age, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Under the change of beneficiary provision, a policyowner with a revocable beneficiary may:
Change it without the beneficiary's consent
When the beneficiary is revocable, the owner may change the designation at any time without the beneficiary's consent.
2. If an insured changes to a more hazardous occupation, the Change of Occupation provision allows the insurer to:
Reduce benefits to what the premium would buy
If the insured moves to a more hazardous job, benefits may be adjusted downward to the amount the premium would purchase at the higher-risk classification.
3. If an insured's age was misstated on a health policy, benefits are generally:
Adjusted to what the premium buys at the true age
The misstatement of age provision adjusts benefits to the amount the premiums would have purchased at the insured's true age.
4. The Conformity with State Statutes provision states that any policy provision conflicting with state law is:
Amended to meet the minimum state law
Any provision in conflict with the state's law is automatically amended to conform to the minimum statutory requirements.
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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.
