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  3. Life, Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Misstatement of age, Insuring clause, Consideration clause, Conformity with statutes, Unpaid premium, Change of policy, Recurrent disability, Waiver of premium, Average earnings, Cancelable policy, Required provisions, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Payment of claims, Physical exam and autopsy, Legal actions, Change of beneficiary, Entire contract, Time limit on certain defenses, Optional provisions, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally 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. If an applicant misstates age on an individual health policy, the insurer may adjust:

The benefits to those the premium would have purchased at the correct age

The misstatement of age provision adjusts benefits to what the premium paid would have bought at the insured's true age.

2. The provision that states the insurer's basic promise to pay benefits for covered losses is the:

Insuring clause

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

3. In a health policy, the clause describing the premium amount and the insured's statements as the basis of the contract is the:

Consideration clause

The consideration clause identifies the premium and the application statements that form the consideration for the contract.

4. The provision stating that any policy term conflicting with the laws of the insured's state is automatically amended to meet the legal minimum is the:

Conformity with state statutes provision

The conformity with state statutes provision automatically conforms conflicting terms to the minimum legal requirements.

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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.