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  2. Washington
  3. Life, Accident & Health
  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

Washington Life, Accident & Health exam — 32 practice questions.

Subtopics: Mandatory provisions, Change of occupation, Misstatement of age, Optional renewability, Cancellable policy, Insuring clause, 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, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. Standardized required provisions in individual health policies exist primarily to:

Protect the policyholder with minimum standards

Required (mandatory) provisions set minimum standards that protect policyholders in individual health contracts.

2. If an insured changes to a more hazardous occupation, a health policy's change-of-occupation provision may:

Adjust benefits to what the premium would buy at the riskier class

The change-of-occupation provision can reduce benefits to the amount the premium paid would buy at the more hazardous class.

3. If a health insured misstated age, the insurer may at claim time:

Adjust benefits to reflect the correct age

The misstatement of age provision adjusts benefits to those the premium would have purchased at the correct age.

4. A health policy described as guaranteed renewable means the insurer:

Must renew but may adjust rates by class

Guaranteed renewable policies must be renewed to a stated age, with rate changes only made on a class basis.

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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.