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Life and Health Insurance Producer Exam

Policy provisions (AL): practice questions

Our Life & Health Insurance bank has 9 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Alabama

After how long in force during the insured's lifetime must an Alabama life policy become incontestable (except for nonpayment)?

  1. Three years from the date the first claim is filed
  2. Five years from the date the policy is delivered
  3. Two years from the date of issue
  4. One year from the date of application
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C. Two years from the date of issue — Ala. Code 27-15-4.

Question 2 · Alabama

What grace period must an Alabama individual life policy allow for premiums after the first?

  1. 30 days, or one month of not less than 30 days
  2. 60 days for all life policies, plus a 15-day notice period after that
  3. 10 days
  4. 31 days
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A. 30 days, or one month of not less than 30 days — Ala. Code 27-15-3.

Question 3 · Alabama

When must an Alabama family health policy begin covering a newborn child of the insured?

  1. From the moment of birth
  2. After a 31-day enrollment period ends and the first added premium is received
  3. At age 30 days
  4. At the next renewal
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A. From the moment of birth — Ala. Code 27-19-38(a).

Question 4 · Alabama

How long is the free-look period for an individual disability (health) policy in Alabama, other than single-premium nonrenewable policies?

  1. 20 days from the date of application
  2. 30 days from the date the first premium is paid
  3. 10 days from delivery
  4. 3 business days from delivery
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C. 10 days from delivery — Ala. Code 27-19-32.

Question 5 · Alabama

Under the legal-actions provision of an Alabama health policy, a suit may not be brought:

  1. Without the Commissioner's approval
  2. Before 60 days after proof of loss, or after three years from when proof is required
  3. Before 30 days after notice of claim, or after one year from the loss date, whichever comes first
  4. At all; arbitration only
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B. Before 60 days after proof of loss, or after three years from when proof is required — Ala. Code 27-19-14.

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