Question: Periodic health claim payments MUST be made at least?

Answer: monthly

Question: What type of rider would be added to an Accident and Health policy if the policyowner wants to ensure the policy will continue if he/she ever becomes totally disabled?

Answer: Waiver of Premium Rider

Question: Which Accident and Health policy provision addresses preexisting conditions?

Answer: time limit on certain defenses

Question:

Answer: Claim will be paid and coverage will remain in force. (after 2-3 years policy’s enter into the incontestable period, where insurer cannot deny a claim based on info not disclosed at time of app!)

Question: T owns an Accident & Health policy and notifies her insurance company that she has chosen a less hazardous occupation. Under the Change of Occupation provision, which of the following actions may her insurance company take?

Answer: Increase her policy’s coverage amount

Question: A disability income policy that only the policyowner can terminate and which the rates will never go up is considered to be?

Answer: noncancellable

Question: What must the policyowner provide to the insurer for validation that a loss has occurred?

Answer: proof of loss

Question: If an individual is covered under an accidental death policy and dies, an autopsy can be performed EXCEPT when?

Answer: the state prohibits this by law

Question: insurers may request a hearing within ________ if their policy is rejected

Answer: 20 Days

Question: Which provision specifies how long a policyowners health coverage will remain in effect if the policyowner does not pay the premium when it is due?

Answer: grace period