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Life and Health Insurance Producer Exam

Policy provisions (CT): practice questions

Our Life & Health Insurance bank has 6 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Connecticut

What minimum grace periods must a Connecticut individual health insurance policy grant?

  1. 7 days weekly, 10 days monthly, 31 days for all other policies
  2. 5 days weekly, 15 days monthly, 30 days for all other policies
  3. 10 days weekly, 31 days monthly, 60 days for all other policies
  4. 31 days for every policy, regardless of how premium is paid
Show the answer

A. 7 days weekly, 10 days monthly, 31 days for all other policies — Conn. Gen. Stat. 38a-483(a)(3).

Question 2 · Connecticut

The required Time Limit on Certain Defenses provision makes a Connecticut individual health policy incontestable, except for nonpayment of premium, after how long?

  1. After one year in force from the date of issue
  2. After two years in force from the date of issue
  3. After the first claim has been paid in full
  4. After three years in force from the application date
Show the answer

B. After two years in force from the date of issue — Conn. Gen. Stat. 38a-483(a)(2).

Question 3 · Connecticut

Under the required Notice of Claim provision of an individual health policy, written notice must be given within how long after a covered loss occurs or begins?

  1. Twenty days, or as soon as reasonably possible
  2. Ten days, with no exceptions allowed
  3. Sixty days after the insured's treatment ends
  4. Ninety days, or the claim is forfeited entirely
Show the answer

A. Twenty days, or as soon as reasonably possible — Conn. Gen. Stat. 38a-483(a)(5).

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