Free Individual Accident and Health Provisions Practice Questions
Maine Life, Accident & Health exam (series 12-ME-01) — 91 practice questions.
Subtopics: Notice of claim, Claim forms, Entire contract, Misstatement of age, Illegal occupation, Intoxicants exclusion, Conformity with statutes, Relation of earnings, Cancelable policy, Unpaid premium, Time limit on defenses, Grace period, Reinstatement, Proof of loss, Time of payment, Payment of claims, Legal actions, Free look, Change of occupation, Conformity, Renewability, Noncancellable, Lapse notice, Assignment, Third-party notice, Cognitive impairment, Required provisions, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, 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. The notice of claim provision generally requires the insured to notify the insurer of a loss within:
A specified number of days after the loss occurs
The notice of claim provision sets a deadline, commonly a stated number of days, for telling the insurer a loss occurred.
2. If an insurer fails to furnish claim forms within the required time after receiving notice of claim, the insured may:
Submit written proof of loss in any reasonable form
If claim forms are not provided in time, the insured may submit proof of loss in any reasonable written form.
3. Under the entire contract provision of an individual health policy:
The policy and the attached application form the complete contract
The entire contract consists of the policy plus the attached application; nothing outside it is part of the contract.
4. If an insured misstated their age on a health policy application, the insurer will generally:
Adjust benefits to what the premium would buy 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.
