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Life and Health Insurance Producer Exam

Policy provisions (KS): practice questions

Our Life & Health Insurance bank has 12 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 · Kansas

An accident and health insurer requires a reinstatement application and issues a conditional receipt. When does the policy reinstate if the insurer does not act?

  1. On the 45th day after the receipt, unless the insurer has given written disapproval
  2. After 31 days, but only for accidents and not for any sickness
  3. Immediately, because accepting the premium always waives the insurer's right to require an application
  4. Only once the insurer approves in writing; silence never reinstates
Show the answer

A. On the 45th day after the receipt, unless the insurer has given written disapproval — K.S.A. 40-2203(A)(4).

Question 2 · Kansas

An individual life policy must become incontestable after it has been in force during the insured's lifetime for no more than how long from its date?

  1. One year
  2. Three years
  3. Five years
  4. Two years
Show the answer

D. Two years — K.S.A. 40-420(2).

Question 3 · Kansas

Under K.A.R. 40-4-22, an individual accident and health policy (other than travel accident) must let the buyer return it for a premium refund within at least how long?

  1. 20 days of delivery
  2. 30 days of delivery
  3. 10 days of delivery
  4. Seven days of the application
Show the answer

C. 10 days of delivery — K.A.R. 40-4-22.

Question 4 · Kansas

What minimum grace period must an individual life policy delivered in Kansas provide for premiums after the first?

  1. 31 days, or one calendar month
  2. 30 days
  3. 10 days
  4. 60 days
Show the answer

B. 30 days — K.S.A. 40-420(1).

Question 5 · Kansas

Under the Kansas uniform accident and sickness provisions, what is the minimum grace period for a policy with monthly premiums?

  1. 7 days
  2. 31 days, as for all other policies
  3. 10 days
  4. 20 days
Show the answer

C. 10 days — K.S.A. 40-2203(A)(3).

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