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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Change of occupation, Claim forms, Payment of claims, Change of beneficiary, Illegal occupation, Intoxicants and narcotics, Misstatement of age, Conformity with state statutes, Insurance with other insurers, Unpaid premium, Required provisions, Reinstatement, Notice of claim, Proof of loss, Time of payment of claims, Physical exam and autopsy, Legal actions, 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. Under the change of occupation provision, if an insured moves to a more hazardous job, benefits may be:

Reduced to what the premium would have purchased at the more hazardous class

The change of occupation provision can reduce benefits to what the paid premium would buy at the riskier classification.

2. If an insurer fails to furnish claim forms within the time the policy allows, the insured may:

Submit written proof of loss in their own words

If claim forms are not provided in time, the insured may submit proof of loss in their own words.

3. The provision specifying to whom benefits are paid, including a facility of payment, is the:

Payment of claims provision

The payment of claims provision identifies who receives benefits and may include a facility of payment clause.

4. In a health policy, unless the beneficiary is irrevocable, the insured may change the beneficiary by:

Notifying the insurer in the manner the policy requires

A revocable beneficiary may be changed by notifying the insurer in the manner the policy requires.

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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.