1. Under the optional change of occupation provision, if an insured moves to a more hazardous job, the insurer may:

Pay reduced benefits consistent with the higher-risk premium

If the insured takes a more hazardous job, benefits may be adjusted to what the premium would buy at the higher risk.

2. The claim forms provision requires the insurer, after receiving notice of claim, to:

Furnish claim forms within a stated time or accept proof in any form

The insurer must supply claim forms within a set time; otherwise the insured may submit proof in any reasonable form.

3. The intoxicants and narcotics optional provision lets the insurer deny benefits for losses:

Sustained while the insured was using intoxicants or non-prescribed narcotics

This optional provision lets the insurer exclude losses sustained while the insured is under the influence of intoxicants or non-prescribed narcotics.

4. The conformity with state statutes provision means any policy term that conflicts with state law is:

Automatically amended to meet the minimum state requirement

The conformity provision automatically conforms a conflicting policy term to the minimum required by state law.