Free Individual Accident and Health Provisions Practice Questions
Nebraska Life, Accident & Health exam (series 13-03) — 79 practice questions.
Subtopics: Change of occupation, Claim forms, Payment of claims, Change of beneficiary, Illegal occupation, Intoxicants and narcotics, Misstatement of age, Conformity with state statutes, Insurance with other insurers, Unpaid premium, Notice of claim, Proof of loss, Legal actions, Grace period, Reinstatement, Reinstatement premium, Time limit on defenses, Facility of payment, Entire contract, Conformity with law, Continuing disability notice, Cancellation provision, Relation of earnings, Free look, Free look exception, Copy of application, Disabled dependents, Required provisions, Time of payment of claims, Physical exam and autopsy, 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, 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 occupation provision, if an insured moves to a more hazardous job, benefits may be:
Reduced to what the premium buys at the riskier class
Under Neb. Rev. Stat. 44-710.04(1), benefits are limited to what the premium paid would have purchased at the rates for the more hazardous occupation.
2. If an insurer fails to furnish claim forms within the time the policy allows, the insured may:
Submit written proof of loss in their own words
Neb. Rev. Stat. 44-710.03(6) treats the claimant as complying if forms are not furnished within fifteen days and written proof of the loss is submitted in time.
3. The provision specifying to whom benefits are paid, including a facility of payment, is the:
Payment of claims provision
Neb. Rev. Stat. 44-710.03(9) states to whom benefits are paid and permits an optional facility of payment clause.
4. In a health policy, unless the beneficiary is irrevocable, the insured may change the beneficiary by:
Notifying the insurer in the manner the policy requires
Neb. Rev. Stat. 44-710.03(12) reserves the right to change beneficiary to the insured, without beneficiary consent, unless the designation is irrevocable.
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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.
