2026 WASHINGTON LIFE HEALTH INSURANCE
EXAMINATION MANUAL QUESTIONS AND
ANSWERS SURE A+
✔✔Consideration Clause - ✔✔states that the Insured gives 2 items
of consideration:
• the premium; and
• the statements made in the application.
✔✔Entire Contract Clause - ✔✔the policy consists of only:
• the policy, and
• the attached application
No promises by commercials, agents or anything else count
✔✔Free look clause - ✔✔giving Insureds at least 10 days after delivery of the
policy to review the policy and terminate coverage.
Policies
sold to the elderly (Medicare Supplement and Long Term Care)
must have a 30 day Free Look Clause.
,✔✔Grace period clause - ✔✔31 day grace period on premium payments. The company
may charge interest on late payments
✔✔Contestable clause - ✔✔• after the first 2 years,
• an honest mistake is incontestable by the Insurer;
• fraud is incontestable by Life Insurers and
Group Health Insurers; but
• fraud remains contestable forever by Individual Health
Insurers
✔✔Reinstatement Clause - ✔✔prohibits the Insurer from charging a reinstatement fee
Within the time limits provided by state law, I may reinstate if I:
• submit a reinstatement application within three years (which triggers a new
incontestable period on statements in the new application);
• pay any outstanding policy loans (if the Life policy
permitted policy loans);
• pay missed premiums plus interest; and
• provide proof of insurability
✔✔Time Limit on Lawsuits Clause - ✔✔After submitting the claim, the Insured must wait
60 days prior
to filing any lawsuit. And any lawsuit must be filed within 3 years
- this time limit is also referred to as a Statute of Limitations
✔✔Principal sum - ✔✔policy will pay
as a lump sum the face value of the policy
✔✔Multiple Indemnity Rider - ✔✔provides for a Life policy to
pay a specified multiple of the face value if the Insured dies as a
result of an accident
the death cannot be
attributed to a sickness and the death must occur within 90 days
✔✔Primary
Beneficiary - ✔✔The primary beneficiary is first in line. If
the primary beneficiary is alive at the time the Insured dies, the
primary beneficiary will receive the entire death benefit. But, if
the primary beneficiary dies before the Insured, the death benefit is paid to the
Insured's estate.
✔✔Contingent Secondary Beneficiary - ✔✔A Contingent (second or
tertiary) Beneficiary is an individual who will receive the death
benefit if the primary beneficiary is no longer living at the time
, of the Insured's death
✔✔Minor beneficiaries - ✔✔Insurance companies will not pay death benefits directly to
a
minor under age 18 because the minor is not of sufficient legal
age to release the insurance company from liability. Insurance
companies recommend that the policy owner set up a trust for
the benefit of the minor and name the trust as the beneficiary.
✔✔Uniform Simultaneous Death
Act - ✔✔if an Insured and Primary Beneficiary
appear to have died simultaneously, it shall be presumed that
the Primary Beneficiary died first unless there is proof otherwise.
✔✔Common Disaster Clause - ✔✔if both the Insured and Primary Beneficiary
die as the result of the same accident, the Primary Beneficiary
shall be considered to have died first (and get nothing) unless the
Primary Beneficiary outlives the Insured by 60 days
✔✔Spendthrift Trust - ✔✔trustee is instructed to provide money to the trust beneficiary
(big spender) only under specific circumstances
(such as no more than $500 per week), cannot be seized by creditors
✔✔Misstatement of age or gender - ✔✔Policy can only be adjusted, not voided
✔✔Physical Exam and Autopsy Clause - ✔✔At its own expense, the Insurer has the
right to conduct as many
physical exams upon the Insured as are reasonable. The Insurer
may perform one autopsy unless prohibited by state law.
✔✔Medicare - ✔✔Healthcare for the elderly (Also will help disabled people after they
have collected disability for 24 months)
✔✔Medicade - ✔✔Healthcare for the poor
✔✔Fully Disabled - ✔✔Unable to engage in any gainful activity due to physical or
mental impairments (Minimum 12 month span).
✔✔Survivor benefits - ✔✔$255 funeral help
% of PIA paid to survivor (After 10 years)
✔✔Workers Comp - ✔✔(State to state program)
Injured on the Job, covers med expenses
Die on the job Benefit paid to spouse
Disabled on job, disabilities income payment
EXAMINATION MANUAL QUESTIONS AND
ANSWERS SURE A+
✔✔Consideration Clause - ✔✔states that the Insured gives 2 items
of consideration:
• the premium; and
• the statements made in the application.
✔✔Entire Contract Clause - ✔✔the policy consists of only:
• the policy, and
• the attached application
No promises by commercials, agents or anything else count
✔✔Free look clause - ✔✔giving Insureds at least 10 days after delivery of the
policy to review the policy and terminate coverage.
Policies
sold to the elderly (Medicare Supplement and Long Term Care)
must have a 30 day Free Look Clause.
,✔✔Grace period clause - ✔✔31 day grace period on premium payments. The company
may charge interest on late payments
✔✔Contestable clause - ✔✔• after the first 2 years,
• an honest mistake is incontestable by the Insurer;
• fraud is incontestable by Life Insurers and
Group Health Insurers; but
• fraud remains contestable forever by Individual Health
Insurers
✔✔Reinstatement Clause - ✔✔prohibits the Insurer from charging a reinstatement fee
Within the time limits provided by state law, I may reinstate if I:
• submit a reinstatement application within three years (which triggers a new
incontestable period on statements in the new application);
• pay any outstanding policy loans (if the Life policy
permitted policy loans);
• pay missed premiums plus interest; and
• provide proof of insurability
✔✔Time Limit on Lawsuits Clause - ✔✔After submitting the claim, the Insured must wait
60 days prior
to filing any lawsuit. And any lawsuit must be filed within 3 years
- this time limit is also referred to as a Statute of Limitations
✔✔Principal sum - ✔✔policy will pay
as a lump sum the face value of the policy
✔✔Multiple Indemnity Rider - ✔✔provides for a Life policy to
pay a specified multiple of the face value if the Insured dies as a
result of an accident
the death cannot be
attributed to a sickness and the death must occur within 90 days
✔✔Primary
Beneficiary - ✔✔The primary beneficiary is first in line. If
the primary beneficiary is alive at the time the Insured dies, the
primary beneficiary will receive the entire death benefit. But, if
the primary beneficiary dies before the Insured, the death benefit is paid to the
Insured's estate.
✔✔Contingent Secondary Beneficiary - ✔✔A Contingent (second or
tertiary) Beneficiary is an individual who will receive the death
benefit if the primary beneficiary is no longer living at the time
, of the Insured's death
✔✔Minor beneficiaries - ✔✔Insurance companies will not pay death benefits directly to
a
minor under age 18 because the minor is not of sufficient legal
age to release the insurance company from liability. Insurance
companies recommend that the policy owner set up a trust for
the benefit of the minor and name the trust as the beneficiary.
✔✔Uniform Simultaneous Death
Act - ✔✔if an Insured and Primary Beneficiary
appear to have died simultaneously, it shall be presumed that
the Primary Beneficiary died first unless there is proof otherwise.
✔✔Common Disaster Clause - ✔✔if both the Insured and Primary Beneficiary
die as the result of the same accident, the Primary Beneficiary
shall be considered to have died first (and get nothing) unless the
Primary Beneficiary outlives the Insured by 60 days
✔✔Spendthrift Trust - ✔✔trustee is instructed to provide money to the trust beneficiary
(big spender) only under specific circumstances
(such as no more than $500 per week), cannot be seized by creditors
✔✔Misstatement of age or gender - ✔✔Policy can only be adjusted, not voided
✔✔Physical Exam and Autopsy Clause - ✔✔At its own expense, the Insurer has the
right to conduct as many
physical exams upon the Insured as are reasonable. The Insurer
may perform one autopsy unless prohibited by state law.
✔✔Medicare - ✔✔Healthcare for the elderly (Also will help disabled people after they
have collected disability for 24 months)
✔✔Medicade - ✔✔Healthcare for the poor
✔✔Fully Disabled - ✔✔Unable to engage in any gainful activity due to physical or
mental impairments (Minimum 12 month span).
✔✔Survivor benefits - ✔✔$255 funeral help
% of PIA paid to survivor (After 10 years)
✔✔Workers Comp - ✔✔(State to state program)
Injured on the Job, covers med expenses
Die on the job Benefit paid to spouse
Disabled on job, disabilities income payment
