Free Individual Accident and Health Provisions Practice Questions
Wisconsin Life, Accident & Health exam — 70 practice questions.
Subtopics: Mandatory provisions, Entire contract health, Claim forms, Grace period length, Optional provisions, Unpaid premium, Cancellation notice, Conformity with statutes, Insuring clause health, Free look health, Right to return, Reinstatement, Time limit on certain defenses, Preexisting conditions, Change of occupation, Misstatement of age, Grace period, Required provisions, 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, Guaranteed renewable, Noncancelable, Optionally renewable, Conditionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits, Renewal provision, Substitute wording, Exclusions, Consideration clause, Renewability, Pre-existing conditions, Probationary period
Read the Individual Accident and Health Provisions study guide
Sample questions & answers
1. Required uniform provisions in individual health policies primarily serve to:
Establish minimum protections for the insured
Uniform mandatory provisions standardize key protections, such as grace period and claim procedures, for insureds.
2. The entire contract provision in a health policy means changes to the contract must be:
Approved by an insurer officer and endorsed
Under the uniform entire contract provision, no change is valid until approved by an executive officer of the insurer and endorsed on or attached to the policy; no agent may change it.
3. If an insurer does not furnish claim forms within the required time, the insured may:
Send proof of loss in any reasonable written form
If the insurer does not furnish claim forms within 15 days after notice, the claimant complies by submitting written proof of loss describing the occurrence.
4. Under Wis. Stat. 632.78, what is the minimum grace period for an individual health policy paid monthly?
10 days
Wis. Stat. 632.78 requires at least 7 days for weekly, 10 days for monthly and 31 days for other premium modes.
All Life, Accident & Health topics
Practice: Individual Accident and Health Provisions
Answer choices are shuffled every time, and every question comes with an explanation.
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.
