Free Individual Accident and Health Provisions Practice Questions
Georgia Life, Accident & Health exam (series 12-GA-05) — 81 practice questions.
Subtopics: Noncancelable, Guaranteed renewable, Change of occupation, Misstatement of age, Payment of claims, Reinstatement, Grace period, Notice of claim, Claim forms, Proof of loss, Time of payment, Legal actions, Change of beneficiary, Entire contract, Time limit on defenses, Optional provisions, Illegal occupation, Cancellation refund, Free look exceptions, Free look, Outline of coverage, Third-party ownership, Dependent age-out, Required provisions, Time of payment of claims, Physical exam and autopsy, Time limit on certain defenses, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. A 'noncancelable' health policy means the insurer:
cannot cancel or raise the premium
Noncancelable coverage guarantees both renewal and the premium schedule for the stated period.
2. A guaranteed renewable health policy:
must renew, but may raise class rates
Guaranteed renewable coverage must be renewed, but the insurer may raise premiums for an entire class of insureds.
3. Under the optional change of occupation provision, if an insured moves to a more hazardous job, the insurer may:
reduce benefits to what the premium buys
The change of occupation provision lets the insurer adjust benefits to those the premium would purchase at the new, more hazardous classification.
4. If an insured misstated age on a health policy, the insurer will typically:
adjust benefits to the correct age
The misstatement of age provision in health insurance adjusts benefits to what the premium would have bought at the true age.
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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.
