Free Individual Accident and Health Provisions Practice Questions
Tennessee Life, Accident & Health exam — 86 practice questions.
Subtopics: Noncancelable, Guaranteed renewable, Optionally renewable, Free look, Preexisting conditions, Exclusions, Insuring clause, Consideration clause, Claim forms, Waiver of premium, Grace period, Reinstatement, Notice of claim, Proof of loss, Time of payment, Facility of payment, Legal actions, Time limit on defenses, Physical exam and autopsy, Cancellation provision, Illegal occupation, Change of occupation, Unpaid premium, Renewability labels, Lapse notice, Required provisions, Time of payment of claims, Payment of claims, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Conditionally 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 policy the insurer cannot cancel and on which it cannot raise premiums, as long as premiums are paid, is:
Noncancelable
A noncancelable policy cannot be cancelled and its premium cannot be increased as long as premiums are paid on time.
2. A health policy the insurer must renew but on which it may raise premiums by class is:
Guaranteed renewable
A guaranteed renewable policy must be renewed, but the insurer may raise premiums for an entire class of insureds.
3. A health policy the insurer may decline to renew on specified anniversary or premium due dates is:
Optionally renewable
An optionally renewable policy gives the insurer the right to decline renewal on certain dates.
4. The provision allowing a new individual health policyowner to examine the policy and return it for a full refund is the:
Free-look provision
The free-look provision lets the owner return a new policy within the stated period for a full premium refund.
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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.
