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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Alaska Life, Accident & Health exam — 36 practice questions.

Subtopics: Entire contract, Insuring clause, Noncancelable, Optionally renewable, Conditionally renewable, Cancelable, Claim forms, Misstatement of age, Payment of claims, Relation of earnings, Required provisions, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Time limit on certain defenses, Optional provisions, Grace period, Guaranteed renewable, Pre-existing condition, Free-look provision, Change of occupation, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The entire contract provision in a health policy means the policy and which item constitute the whole agreement?

The attached application

The entire contract consists of the policy and the attached copy of the application.

2. The insuring clause of a health policy primarily:

States the insurer's basic promise to pay benefits for covered losses

The insuring clause sets out the insurer's basic promise to pay benefits for covered losses.

3. A noncancelable individual health policy means the insurer:

Cannot cancel or raise the premium above the guaranteed schedule while premiums are paid

A noncancelable policy cannot be canceled and its premium cannot exceed the guaranteed schedule while premiums are paid.

4. An optionally renewable health policy gives the insurer the right to:

Decline renewal on a policy anniversary or premium due date

An optionally renewable policy lets the insurer decline renewal at an anniversary or premium due date.

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Practice: Individual Accident and Health Provisions

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.