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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

California Accident & Health Agent exam (series Accident & Health) — 54 practice questions.

Subtopics: Grace period, Uniform provisions, Free look, Time limit on defenses, Reinstatement, Proof of loss, Entire contract, Time limit on certain defenses, Notice of claim, Claim forms, Time of payment of claims, Physical exam and autopsy, Legal actions, Payment of claims, Change of beneficiary, Change of occupation, Misstatement of age, Illegal occupation, Intoxicants and narcotics, Conformity with statutes, Insuring clause, Guaranteed renewable, Noncancelable, Conditionally renewable, Cancelable, Probationary period, Elimination period, Coinsurance, Free look provision, Consideration clause, Pre-existing condition provision, Sickness waiting period, Other insurance in this insurer, Insurance with other insurers, Other insurers per diem, Unpaid premium, Cancellation provision, Flat deductible, Per-cause deductible, All-cause deductible, Corridor deductible, Integrated deductible, Carryover provision, Common accident provision, Restoration of benefits, Benefit period medical, Lifetime maximum benefit, Assignment of benefits, Facility of payment, Period of coverage, Standard and optional provisions

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. For an individual California disability policy paid monthly, the required grace period is:

10 days

California's uniform provisions require a grace period of 7 days weekly, 10 days monthly, and 31 days for other modes.

2. Individual California disability (health) policies must contain:

The compulsory uniform standard provisions in statutory language

California requires individual disability policies to include the compulsory uniform standard provisions.

3. Individual health (disability) policies in California generally provide a right to examine the policy of at least:

10 days

California provides a 10-day free look on individual health policies; life, LTC, and Medicare supplement provide 30 days.

4. A required uniform provision in California individual health policies makes the policy incontestable after it has been in force for:

2 years

The time-limit-on-certain-defenses provision makes the policy incontestable after two years except for fraudulent misstatements.

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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.