Pp ap gp ep |p1
LOUISIANA LIFE AND HEALTH INSURANC p p p p
E EXAM 2025| BRAND NEW EXAM QUESTI
p p p p p p
ONS WITH 100% CORRECT SOLUTIONS | G
p p p p p p
UARANTEED SUCCESS| ACE YOUR GRAD p p p p
ES.
An insured purchases a health policy in 2000 and submits a claim in 2005. Th
p p p p p p p p p p p p p p
e insurance company discovers at that time that the insured misstated the inf
p p p p p p p p p p p p
ormation about his health condition. What will the insurer most likely do?
p p p p p p p p p p p
A. Deny the claim p p
B. Pay a decreased benefit
p p p
C. Void the policy p p
D. Pay the full benefit - Correct Answer-D. Pay the full benefit
p p p p p p p p p p
The Time Limit on Certain Defenses provision stipulates that no statement or
p p p p p p p p p p p
misstatement (except fraudulent misstatements) made in the application at t
p p p p p p p p p p
he time of issue will be used to void a policy or deny a claim after the policy h
p p p p p p p p p p p p p p p p p p
as been in force for 3 years.
p p p p p p
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While a claim is pending, an insurance company may require
p p p p p p p p p
A. The insured to be examined only once annually.
p p p p p p p
B. An independent examination only once every 45 days.
p p p p p p p
C. An independent examination as often as reasonably required.
p p p p p p p
D. The insured to be examined only within the first 30 days. -
p p p p p p p p p p p
Correct Answer-
p p
C. An independent examination as often as reasonably required.
p p p p p p p p
While a claim is pending, an insurance company may require an independent
p p p p p p p p p p p
exam as often as reasonably required.
p p p p p p
Which of the following statements is true concerning the alteration of optional
p p p p p p p p p p p
policy provisions?
p p
A. An insurer may change the wording of optional policy provisions that w
p p p p p p p p p p p
ould adversely affect the policyholder but must first receive state permiss
p p p p p p p p p p
ion before the change goes into effect.
p p p p p p
B. Once any kind of provision is written, it cannot be changed.
p p p p p p p p p p
C. An insurer may change the wording of optional provisions, as long as th
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e change does not adversely affect the policyholder.
p p p p p p p
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D. An insurer may change the wording of optional provisions, regardless of it
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s effect on the policyholder. - Correct Answer-
p p p p p p p
C. An insurer may change the wording of optional provisions, as long as the
p p p p p p p p p p p p p p
change does not adversely affect the policyholder.
p p p p p p
Optional policy provisions can be changed by an insurer, as long as the chan
p p p p p p p p p p p p p
ges do not adversely affect the policyholder.
p p p p p p
If the insured under a disability income insurance policy changes to a more h
p p p p p p p p p p p p p
azardous occupation after the policy has been issued, and a claim is filed, the
p p p p p p p p p p p p p
pinsurance company should do which of the following?
p p p p p p p
A. Adjust the benefit in accordance with the increased risk
p p p p p p p p
B. Cancel the policy p p
C. Increase the premium p p
D. Exclude coverage for on-the-job injury - Correct Answer-
p p p p p p p
A. Adjust the benefit in accordance with the increased risk
p p p p p p p p p
A part of the premium rating concerns the hazard of occupation.
p p p p p p p p p p
What is the contract provision that allows the insurer to nonrenew health cov
p p p p p p p p p p p p
erage if certain events occur?
p p p p
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A. Conditionally renewable p
B. Optionally renewable p
C. Noncancellable
D. Guaranteed renewable - Correct Answer-A. Conditionally renewable
p p p p p p
The conditionally renewable provision is very similar to the optionally renewa
p p p p p p p p p p
ble provision. The primary difference is that conditionally renewable policies
p p p p p p p p p p
may be canceled for specific conditions contained in the policy, but optionally
p p p p p p p p p p p
renewable policies do not specify a condition or reason for cancellation.
p p p p p p p p p p p
When an insured purchased her disability income policy, she misstated her a
p p p p p p p p p p p
ge to the agent. She told the agent that she was 30 years old, when in fact, sh
p p p p p p p p p p p p p p p p p
e was 37. If the policy contains the optional misstatement of age provision
p p p p p p p p p p p p
A. Because the misstatement occurred more than 2 years ago, it has no ef
p p p p p p p p p p p p
fect.
B. Amounts payable under the policy will reflect the insured's correct age.
p p p p p p p p p p
C. The contract will be deemed void because of the misstatement of age.
p p p p p p p p p p p
LOUISIANA LIFE AND HEALTH INSURANC p p p p
E EXAM 2025| BRAND NEW EXAM QUESTI
p p p p p p
ONS WITH 100% CORRECT SOLUTIONS | G
p p p p p p
UARANTEED SUCCESS| ACE YOUR GRAD p p p p
ES.
An insured purchases a health policy in 2000 and submits a claim in 2005. Th
p p p p p p p p p p p p p p
e insurance company discovers at that time that the insured misstated the inf
p p p p p p p p p p p p
ormation about his health condition. What will the insurer most likely do?
p p p p p p p p p p p
A. Deny the claim p p
B. Pay a decreased benefit
p p p
C. Void the policy p p
D. Pay the full benefit - Correct Answer-D. Pay the full benefit
p p p p p p p p p p
The Time Limit on Certain Defenses provision stipulates that no statement or
p p p p p p p p p p p
misstatement (except fraudulent misstatements) made in the application at t
p p p p p p p p p p
he time of issue will be used to void a policy or deny a claim after the policy h
p p p p p p p p p p p p p p p p p p
as been in force for 3 years.
p p p p p p
, Pp ap gp ep |p2
While a claim is pending, an insurance company may require
p p p p p p p p p
A. The insured to be examined only once annually.
p p p p p p p
B. An independent examination only once every 45 days.
p p p p p p p
C. An independent examination as often as reasonably required.
p p p p p p p
D. The insured to be examined only within the first 30 days. -
p p p p p p p p p p p
Correct Answer-
p p
C. An independent examination as often as reasonably required.
p p p p p p p p
While a claim is pending, an insurance company may require an independent
p p p p p p p p p p p
exam as often as reasonably required.
p p p p p p
Which of the following statements is true concerning the alteration of optional
p p p p p p p p p p p
policy provisions?
p p
A. An insurer may change the wording of optional policy provisions that w
p p p p p p p p p p p
ould adversely affect the policyholder but must first receive state permiss
p p p p p p p p p p
ion before the change goes into effect.
p p p p p p
B. Once any kind of provision is written, it cannot be changed.
p p p p p p p p p p
C. An insurer may change the wording of optional provisions, as long as th
p p p p p p p p p p p p
e change does not adversely affect the policyholder.
p p p p p p p
, Pp ap gp ep |p3
D. An insurer may change the wording of optional provisions, regardless of it
p p p p p p p p p p p
s effect on the policyholder. - Correct Answer-
p p p p p p p
C. An insurer may change the wording of optional provisions, as long as the
p p p p p p p p p p p p p p
change does not adversely affect the policyholder.
p p p p p p
Optional policy provisions can be changed by an insurer, as long as the chan
p p p p p p p p p p p p p
ges do not adversely affect the policyholder.
p p p p p p
If the insured under a disability income insurance policy changes to a more h
p p p p p p p p p p p p p
azardous occupation after the policy has been issued, and a claim is filed, the
p p p p p p p p p p p p p
pinsurance company should do which of the following?
p p p p p p p
A. Adjust the benefit in accordance with the increased risk
p p p p p p p p
B. Cancel the policy p p
C. Increase the premium p p
D. Exclude coverage for on-the-job injury - Correct Answer-
p p p p p p p
A. Adjust the benefit in accordance with the increased risk
p p p p p p p p p
A part of the premium rating concerns the hazard of occupation.
p p p p p p p p p p
What is the contract provision that allows the insurer to nonrenew health cov
p p p p p p p p p p p p
erage if certain events occur?
p p p p
, Pp ap gp ep |p4
A. Conditionally renewable p
B. Optionally renewable p
C. Noncancellable
D. Guaranteed renewable - Correct Answer-A. Conditionally renewable
p p p p p p
The conditionally renewable provision is very similar to the optionally renewa
p p p p p p p p p p
ble provision. The primary difference is that conditionally renewable policies
p p p p p p p p p p
may be canceled for specific conditions contained in the policy, but optionally
p p p p p p p p p p p
renewable policies do not specify a condition or reason for cancellation.
p p p p p p p p p p p
When an insured purchased her disability income policy, she misstated her a
p p p p p p p p p p p
ge to the agent. She told the agent that she was 30 years old, when in fact, sh
p p p p p p p p p p p p p p p p p
e was 37. If the policy contains the optional misstatement of age provision
p p p p p p p p p p p p
A. Because the misstatement occurred more than 2 years ago, it has no ef
p p p p p p p p p p p p
fect.
B. Amounts payable under the policy will reflect the insured's correct age.
p p p p p p p p p p
C. The contract will be deemed void because of the misstatement of age.
p p p p p p p p p p p
