Free Individual Accident and Health Provisions Practice Questions
New Hampshire Life, Accident & Health exam (series 12-63) — 87 practice questions.
Subtopics: Noncancelable, Guaranteed renewable, Conditionally renewable, Change of occupation, Insuring clause, Consideration clause, Exclusions, Waiver of premium, Conformity with statutes, Cancellation provision, Time limit on certain defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Payment of claims, Legal actions, Refund upon cancellation, Cancellation, Pre-certification, Other insurance, Unpaid premium, Conformity with state statutes, Entire contract, Falsity in application, Age limit, Outline of coverage, Required provisions, Time of payment of claims, Physical exam and autopsy, Change of beneficiary, Optional provisions, Optionally renewable, Pre-existing condition, Free-look provision, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. A health insurance policy described as noncancelable means the insurer:
Cannot cancel the policy or raise the premium as long as premiums are paid, up to a stated age
A noncancelable policy guarantees renewal and a fixed premium to a stated age as long as premiums are paid.
2. Under a guaranteed renewable health policy, the insurer:
Must renew to a stated age but may change premiums by class
A guaranteed renewable policy must be renewed to a stated age, though premiums may be adjusted for an entire class.
3. A conditionally renewable health policy allows the insurer to:
Decline renewal only for reasons stated in the policy, not individual health
A conditionally renewable policy permits nonrenewal only for conditions stated in the contract, not the insured's deteriorating health.
4. The change of occupation provision in a health policy allows the insurer to:
Adjust benefits or premium if the insured changes to a more or less hazardous job
The change of occupation provision lets the insurer adjust benefits or premium when the insured moves to a more or less hazardous 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.
