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Health insurance policies include a uniform provision that give the insurer the right, at its own expense, to do which of the following?

• Perform an autopsy

• Deny coverage for pre-existing conditions without notice.
• Set premiums based on personal health data.
• Approve claims without investigation.

When will a dental policy pay on a UCR basis?

• When dental services are billed at rates lower than the UCR fees.
• When the patient has not met their deductible.
• When the dental policy covers only preventive services.
• When dental services are billed at rates higher than the UCR fees.

Which of the following must be given to the insurer within 20 days after occurrence or commencement

• Payment of premium
• Proof of Loss

• Medical examination report
• Proof of identity

When would dependent children's benefits for SS disability payments end?

• Benefits end when the child graduates high school.
• Benefits continue until the child gets married.
• Benefits end when the child turns 18, or 19 if a full-time student.
• Benefits end when the child turns 21.

What is granted to the insured in the consideration clause?

• A refund of the premium paid.
• Access to additional benefits without payment.
• A guarantee of no claims made during the policy period.
• Coverage in exchange for premium payment.

All life insurance and health insurance contracts contain all of the following EXCEPT:

• Flexible premium payment options
• Immaterial representations

• Guaranteed coverage for pre-existing conditions
• Cash value accumulation feature

Group AD&D policies may be deducted by whom and under which deduction category?:

• Self-employed individuals can deduct Group AD&D policies under business expenses.
• Employees can deduct Group AD&D policies under personal expenses.
• Employers can deduct Group AD&D policies under employee benefits.
• Insurance companies can deduct Group AD&D policies under operational costs.

Which of the following disability income riders allows the insured to purchase additional coverage at specified intervals without evidence of insurability?

• Accidental death rider
• Long-term care rider
• Waiver of premium rider
• Guaranteed insurability rider (future increase option

Under a Medicare Supplement Policy, preexisting conditions CANNOT be excluded after how many months from the effective date of the policy?

• 3 months
• 6 months
• 12 months
• 9 months

Compared to basic hospital, medical and surgical policies, which type of insurance provides broader coverage, fewer gaps, higher individual benefits, and higher policy

• Short-term health insurance
• Catastrophic health insurance
• Basic health insurance
• Major medical insurance