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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

New Jersey Life, Accident & Health exam — 34 practice questions.

Subtopics: Mandatory provisions, Time of payment, Payment of claims, Misstatement of age, Legal actions, Conformity with statute, Change of beneficiary, Optional provisions, Required provisions, Reinstatement, Notice of claim, Claim forms, Proof of loss, Time of payment of claims, Physical exam and autopsy, Entire contract, Time limit on certain defenses, Grace period, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, 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. The uniform individual accident and sickness provisions include:

Required provisions such as grace period and proof of loss

The uniform provisions include mandatory items like the grace period, notice and proof of loss.

2. The time-of-payment-of-claims provision requires the insurer to pay benefits:

Promptly upon receipt of proof of loss

Claims must be paid promptly after the insurer receives acceptable proof of loss.

3. Under the payment-of-claims provision, benefits are generally paid to:

The insured or designated beneficiary

Benefits are paid to the insured or, for death benefits, to the designated beneficiary.

4. If an insured misstates age on a health policy, the insurer may:

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

Misstatement of age lets the insurer adjust benefits to those the premium would have purchased at the true age.

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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.