1. Exam Prep
  2. Louisiana
  3. Life, Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Uniform provisions, Waiver of premium, Claim payment, Grace period, Claim forms, Coinsurance, Exclusions, Cancelable, Conditionally renewable, Pre-existing limitation, Required provisions, Reinstatement, Notice of claim, 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, Guaranteed renewable, Noncancelable, Optionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Change of occupation, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. The standard provisions that must appear in individual health policies are commonly called the:

Uniform required provisions

Individual health policies must contain the uniform required (mandatory) provisions established by law.

2. A waiver of premium provision in a health policy generally waives premiums while the insured is:

Totally disabled as defined in the policy

The waiver of premium provision keeps coverage in force without premiums while the insured is totally disabled as defined.

3. After receiving acceptable proof of loss, a health insurer is generally required to pay covered claims:

Promptly, within the time set by law or the policy

Claims must be paid promptly after acceptable proof of loss within the period required by the policy and law.

4. If a health insurance premium is not paid by the due date, the grace period:

Allows additional time to pay before the policy lapses

The grace period provides extra time after the due date to pay the premium before coverage lapses.

All Life, Accident & Health topics

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.