Free Individual Accident and Health Provisions Practice Questions
Missouri Life, Accident & Health exam — 79 practice questions.
Subtopics: Change of occupation, Misstatement of age, Other insurance same insurer, Illegal occupation, Relation of earnings, Intoxicants and narcotics, Pre-existing limitation, Conformity with statutes, Unpaid premium, Cancellation provision, Time limit on certain defenses, Uncontestable option, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Legal actions, Payment of claims, Entire contract, Change of beneficiary, Notice of continuance, Applications, Required provisions, Time of payment of claims, Physical exam and autopsy, Optional provisions, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, 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. An optional health provision allowing the insurer to adjust benefits if the insured takes a more hazardous job is the:
Change of occupation provision
The change of occupation provision lets the insurer adjust benefits or premiums based on a more or less hazardous occupation.
2. Under a health policy's misstatement of age provision, the insurer may:
Pay what the premium would buy at the true age
If age is misstated, benefits are adjusted to reflect what the premium actually paid would have bought at the true age.
3. The provision addressing other insurance with the same insurer is intended to limit:
Total benefits payable across duplicate policies
This optional provision prevents over-insurance by limiting total benefits from duplicate coverage with the same insurer.
4. An illegal occupation optional provision excludes losses arising from:
The insured's commission of a felony or illegal activity
The illegal occupation provision excludes losses resulting from the insured's participation in a felony or illegal occupation.
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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.
