Free Individual Accident and Health Provisions Practice Questions
Minnesota Life, Accident & Health exam — 76 practice questions.
Subtopics: Mandatory provisions, Time limit on certain defenses, Claim forms, Misstatement of age, Optional renewability, Unpaid premium, Illegal occupation, Change of occupation, Conformity with state statutes, Insuring clause, Right to cancel, Entire contract; changes, Grace period, Reinstatement, Reinstatement premium, Notice of claim, Proof of loss, Legal actions, Facility of payment, Payment of claims, Physical examination and autopsy, Required provisions, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Entire contract, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, 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 entire contract provision in a health policy states that the policy includes what?
The policy and any attached papers including the application
Minnesota's entire contract provision states that the policy, including endorsements and attached papers, constitutes the entire contract.
2. The time limit on certain defenses provision in a health policy is most similar to which life provision?
The incontestability clause
The time limit on certain defenses limits the insurer's ability to contest a health policy after a set period, similar to a life policy's incontestability clause.
3. Under the claim forms provision if the insurer does not supply claim forms within the stated time the insured may do what?
Submit proof of loss in any reasonable written form
If claim forms are not furnished within 15 days after notice, Minnesota's claim forms provision lets the claimant submit written proof of the occurrence, character, and extent of the loss.
4. If an insured understated his or her age on a health policy the insurer generally may do what?
Adjust benefits to what the premium would buy at the true age
The misstatement of age provision lets the insurer adjust benefits to the amount the premium paid would have purchased at the correct 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.
