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  4. Individual Accident and Health Provisions

Free Individual Accident and Health Provisions Practice Questions

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

Subtopics: Noncancelable, Conditionally renewable, Optional provisions, Waiver of premium, Exclusions, Impairment rider, Guaranteed renewable, Conversion privilege, Continuation, Medical necessity, 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, Grace period, Optionally renewable, Pre-existing condition, Free-look provision, Insuring clause, Change of occupation, Misstatement of age, Relation of earnings to insurance, Intoxicants and narcotics, Coordination of benefits

Read the Individual Accident and Health Provisions study guide

Sample questions & answers

1. A health policy the insurer cannot cancel and on which it cannot raise the premium, and which must be renewed to a stated age, is described as:

Noncancelable

A noncancelable policy guarantees renewal to a stated age with premiums that cannot be increased.

2. A health policy the insurer may decline to renew only for reasons stated in the contract is:

Conditionally renewable

A conditionally renewable policy may be non-renewed only for conditions specified in the contract, not at the insurer's whim.

3. The intoxicants and narcotics provision found in some health policies is an example of a(n):

Optional uniform provision

The intoxicants and narcotics provision is an optional uniform provision the insurer may include to limit certain losses.

4. A waiver-of-premium feature in a health policy typically begins waiving premiums after the insured has been:

Totally disabled for a stated waiting period

The waiver-of-premium feature waives premiums after the insured has been totally disabled for the stated waiting period.

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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.