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Mandatory Uniform Provisions - Must be included in every individual accident policy, no additional provisions may be included which otherwise restrict or modify a uniform provision, designed to protect the insured's interest Entire Contract Clause- Mandatory Uniform - Includes the policy and provisions, c a copy of the application and any riders, waivers, or endorsements Time Limit on Certain Defenses-Mandatory Uniform - No statement or misstatement may be contested after 2 years, no time limit for fraud Grace Period-Mandatory Uniform - Period after premium due date before policy lapse, (7-10-31) 7 days for weekly premium; 10 days for a monthly premium; 31 days of every thing else Reinstatement Provision- Mandatory Uniform - Applies to the time frame that an insurer hasn't paid premium but wants the policy back, allows insured to reinstate by paying past due premiums, proof of insurability may be required, sickness begins after 10 days, accidents are covered immediately - If you haven't heard back in 45 days, then the policy has been reinstated Notice of Claim provision-Mandatory Uniform - Policy owner must notify Insurer of loss either in writing, in person or by phone w/in 20 days. claim forms provision-Mandatory Uniform - The insurer is required to send the insured a claim form within 15 days after notice is received Proof of Loss provision-Mandatory Uniform - Policy owner has 90 days from date of loss to submit proof of loss to Insurer; valid claim must be paid immediately upon receipt. Time of Payment of Claims-Mandatory Uniform - Provides for immediate payment of the claim after the insurer receives notification and proof of loss.