Free Individual Accident and Health Provisions Practice Questions
West Virginia Life, Accident & Health exam — 88 practice questions.
Subtopics: Entire contract, Payment of claims, Right to examine, Insuring clause, Consideration clause, Noncancelable, Cancelable, Waiver of premium, Unpaid premium, Grace period - weekly, Grace period - annual, Reinstatement - conditional receipt, Notice of continuing disability, Late proof of loss, Periodic payments, Facility of payment, Assignment of benefits, Change of beneficiary, Incontestable alternative, Relation of earnings, Illegal occupation, Intoxicants and narcotics, Other insurance - medical, Conformity with statutes, Family policies, Renewability requirement, Type size, Age limit, Third-party ownership, Children's coverage, Adopted children, Court-ordered coverage, Newborn notice, Newborn congenital defects, Medicaid coordination, Claim decision timing, Late claim interest, Required provisions, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Time limit on certain defenses, Optional provisions, Grace period, Guaranteed renewable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Change of occupation, Misstatement of age, Relation of earnings to insurance, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Under the entire contract provision of a health policy, a valid change to the contract requires:
Approval by an executive officer, endorsed on or attached to the policy
Changes to the health contract are valid only when approved by an officer of the insurer; an agent cannot alter the contract.
2. The payment of claims provision in a health policy generally directs that benefits be paid:
To the insured, with loss-of-life benefits to the named beneficiary
Benefits are generally payable to the insured, with any death benefit paid to the designated beneficiary.
3. West Virginia requires individual accident and sickness policies to give the person obtaining the policy the right to:
Return it within 10 days of receipt for a premium refund
Life and accident and sickness policies issued in West Virginia must print on the first page a notice of the right to return the policy within ten days of receipt for a premium refund.
4. The insuring clause of a health insurance policy:
States the insurer's basic promise to pay for covered losses
The insuring clause is the insurer's basic promise to provide the benefits described for covered losses.
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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.
