Free Individual Accident and Health Provisions Practice Questions
Michigan Life, Accident & Health exam (series 16-80) — 81 practice questions.
Subtopics: Entire contract, Grace period, Notice of claim, Proof of loss, Time limit on defenses, Reinstatement waiting, Elimination period, Time limit on certain defenses, Free look, Cancellation, Reinstatement, Time of payment of claims, Payment of claims, Legal actions, Change of occupation, Misstatement of age, Illegal occupation, Unpaid premium, Conformity with state statutes, Other insurance in this insurer, Required provisions, Claim forms, Physical exam and autopsy, Change of beneficiary, 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, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. The provision stating the policy and application form the whole agreement is the:
Entire contract provision
The required entire contract provision states that the policy, riders, endorsements, attached papers, and (if specified) the application constitute the entire contract.
2. A mandatory grace period in a health policy allows late premium payment without:
Loss of coverage
The required grace period provision keeps the policy in force during the grace period for each premium after the first.
3. The notice of claim provision generally requires notice within:
20 days or as soon as reasonably possible
Written notice of claim must be given within 20 days after the loss occurs or begins, or as soon after as is reasonably possible.
4. Proof of loss under an individual health policy is generally due within:
90 days of the loss
Proof of loss is generally due within 90 days after the loss; late proof is accepted if not reasonably possible earlier, but no later than 1 year absent incapacity.
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.
