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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Change of occupation, Misstatement of age, Other insurance same insurer, Illegal occupation, Relation of earnings, Intoxicants and narcotics, Pre-existing limitation, Conformity with statutes, Unpaid premium, Cancellation provision, 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, Insuring clause, Relation of earnings to insurance, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. An optional health provision allowing the insurer to adjust benefits if the insured takes a more hazardous job is the:

Change of occupation provision

The change of occupation provision lets the insurer adjust benefits or premiums based on a more or less hazardous occupation.

2. Under a health policy's misstatement of age provision, the insurer may:

Adjust benefits to what the premium would have purchased at the correct age

If age is misstated, benefits are adjusted to reflect what the premium actually paid would have bought at the true age.

3. The provision addressing other insurance with the same insurer is intended to limit:

Total benefits payable across duplicate policies

This optional provision prevents over-insurance by limiting total benefits from duplicate coverage with the same insurer.

4. An illegal occupation optional provision excludes losses arising from:

The insured's commission of a felony or illegal activity

The illegal occupation provision excludes losses resulting from the insured's participation in a felony or illegal occupation.

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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.