1. The notice of claim provision generally requires the insured to notify the insurer of a loss:

Within a stated number of days after a covered loss

The notice of claim provision requires the insured to notify the insurer within a stated time after a covered loss.

2. The claim forms provision states that if the insurer does not furnish claim forms within a set time, the insured may:

Submit proof of loss in their own words

If the insurer fails to supply claim forms in time, the insured may submit written proof of loss in their own words.

3. The misstatement of age provision in a health policy allows the insurer to:

Adjust benefits to what the premium would have purchased at the correct age

The misstatement of age provision adjusts benefits to what the premium would have bought at the correct age.

4. The conformity with state statutes provision means any policy term in conflict with state law is:

Automatically amended to meet the state's minimum requirements

The conformity provision automatically amends any conflicting policy term to meet the state's minimum legal requirements.