ACCIDENT AND HEALTH INSURANCE
CERTIFICATION EVALUATION 2026 STUDY
GUIDE QUESTIONS AND ANSWERS
◉ Optionally Renewable Policies
Answer: company's option to refuse (non-discriminatory)
◉ Term (nonrenewable) Policies
Answer: can not be renewed
◉ Cancellable Policies
Answer: company can cancel at any time with 5 days notice
◉ Military Suspension Provision
Answer: This provision is designed to protect active duty and
reserve members of the armed forces. Individual plans may suspend
coverage (and premium) during active military service. When no
longer serving, these individuals will be permitted to resume
coverage and premiums without any waiting periods.
◉ Free Look Provision
Answer: refund after 10 days (seniors maybe 30)
, ◉ Exclusions
Answer: losses not covered by a policy
◉ pre-existing condition clause
Answer: a clause permitting permanent or temporary exclusion of
coverage for any physical or mental problems the insured had at the
time the policy was purchased.
◉ Exclusion rider
Answer: unique exclusion that applies to one person
◉ probationary period
Answer: period of no coveraged before it begins.
◉ Workers Compensation
Answer: plan providing treatment for workers injured on the job
◉ Medical Expense Policies
Answer: - Basic
- Major Medical
- Comprehensive major medical
CERTIFICATION EVALUATION 2026 STUDY
GUIDE QUESTIONS AND ANSWERS
◉ Optionally Renewable Policies
Answer: company's option to refuse (non-discriminatory)
◉ Term (nonrenewable) Policies
Answer: can not be renewed
◉ Cancellable Policies
Answer: company can cancel at any time with 5 days notice
◉ Military Suspension Provision
Answer: This provision is designed to protect active duty and
reserve members of the armed forces. Individual plans may suspend
coverage (and premium) during active military service. When no
longer serving, these individuals will be permitted to resume
coverage and premiums without any waiting periods.
◉ Free Look Provision
Answer: refund after 10 days (seniors maybe 30)
, ◉ Exclusions
Answer: losses not covered by a policy
◉ pre-existing condition clause
Answer: a clause permitting permanent or temporary exclusion of
coverage for any physical or mental problems the insured had at the
time the policy was purchased.
◉ Exclusion rider
Answer: unique exclusion that applies to one person
◉ probationary period
Answer: period of no coveraged before it begins.
◉ Workers Compensation
Answer: plan providing treatment for workers injured on the job
◉ Medical Expense Policies
Answer: - Basic
- Major Medical
- Comprehensive major medical
