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Louisiana Life & Health Insurance Exam
2025 | Actual Exam Questions with 100%
Correct Verified Answers | Latest Updated
Version | Already Graded A+ | Guaranteed
Pass
All of the following are correct about the required provisions of a health
insurance policy EXCEPT
A. The entire contract clause means the signed application, policy, endorsements,
and attachments constitute the entire contract.
B. A reinstated policy provides immediate coverage for an illness.
C. Policies become incontestable after being in force for 3 years.
D. A grace period of 31 days is found in an annual pay policy.
Ans: B. A reinstated policy provides immediate coverage for an illness.
Accidental injury is covered immediately, but to protect the insurer against
adverse selection, losses resulting from sickness are covered only if the sickness
occurs at least 10 days after the reinstatement date.
An insured pays a monthly premium of $100 for health insurance. What would be
the duration of the grace period under the policy?
,A. 15 days
, 2 | Page
B. 30 days
C. 60 days
D. 7 days
Ans: B. 30 days
The grace period is 30 days for all health insurance policies in Louisiana.
Question 11 of 15
An applicant for an individual health policy failed to complete the application
properly. Before being able to complete the application and pay the initial
premium, she is confined to a hospital. This will not be covered by insurance
because she has not met the conditions specified in the
A. Insuring Clause.
B. Pre-existing Conditions Clause.
C. Eligibility Clause.
D. Consideration Clause.
, © 2025/ 2026 | ® All rights reserved
Louisiana Life & Health Insurance Exam
2025 | Actual Exam Questions with 100%
Correct Verified Answers | Latest Updated
Version | Already Graded A+ | Guaranteed
Pass
All of the following are correct about the required provisions of a health
insurance policy EXCEPT
A. The entire contract clause means the signed application, policy, endorsements,
and attachments constitute the entire contract.
B. A reinstated policy provides immediate coverage for an illness.
C. Policies become incontestable after being in force for 3 years.
D. A grace period of 31 days is found in an annual pay policy.
Ans: B. A reinstated policy provides immediate coverage for an illness.
Accidental injury is covered immediately, but to protect the insurer against
adverse selection, losses resulting from sickness are covered only if the sickness
occurs at least 10 days after the reinstatement date.
An insured pays a monthly premium of $100 for health insurance. What would be
the duration of the grace period under the policy?
,A. 15 days
, 2 | Page
B. 30 days
C. 60 days
D. 7 days
Ans: B. 30 days
The grace period is 30 days for all health insurance policies in Louisiana.
Question 11 of 15
An applicant for an individual health policy failed to complete the application
properly. Before being able to complete the application and pay the initial
premium, she is confined to a hospital. This will not be covered by insurance
because she has not met the conditions specified in the
A. Insuring Clause.
B. Pre-existing Conditions Clause.
C. Eligibility Clause.
D. Consideration Clause.
, © 2025/ 2026 | ® All rights reserved
