Free Individual Accident and Health Provisions Practice Questions
Washington Life, Accident & Health exam — 83 practice questions.
Subtopics: Mandatory provisions, Change of occupation, Misstatement of age, Guaranteed renewable, Cancellable policy, Insuring clause, Free look, Standard provisions, Entire contract, Time limit on defenses, Grace period, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment, Facility of payment, Payment of claims, Physical exam, Legal actions, Change of beneficiary, Accident definition, Probationary period, Preexisting conditions, Waiting periods, Misstatement of age or sex, Intoxicants provision, Optional provisions, Accidental death time limit, Required provisions, Time of payment of claims, Physical exam and autopsy, Time limit on certain defenses, 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
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Standardized required provisions in individual health policies exist primarily to:
Protect the policyholder with minimum standards
Required (mandatory) provisions set minimum standards that protect policyholders in individual health contracts.
2. If an insured changes to a more hazardous occupation, a health policy's change-of-occupation provision may:
Adjust benefits to what the premium would buy at the riskier class
The change-of-occupation provision can reduce benefits to the amount the premium paid would buy at the more hazardous class.
3. If a health insured misstated age, the insurer may at claim time:
Adjust benefits to reflect the correct age
The misstatement of age provision adjusts benefits to those the premium would have purchased at the correct age.
4. A health policy described as guaranteed renewable means the insurer:
Must renew but may adjust rates by class
Guaranteed renewable policies must be renewed to a stated age, with rate changes only made on a class basis.
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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.
