Colorado Health Insurance Examination
Questions and answers @2026
Mandatory Uniform Provisions - ANSWERS💫✔️-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 - ANSWERS💫✔️-Includes the policy and provisions, c a
copy of the application and any riders, waivers, or endorsements
Time Limit on Certain Defenses-Mandatory Uniform - ANSWERS💫✔️-No statement or misstatement
may be contested after 2 years, no time limit for fraud
Grace Period-Mandatory Uniform - ANSWERS💫✔️-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 - ANSWERS💫✔️-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 - ANSWERS💫✔️-Policy owner must notify Insurer of loss
either in writing, in person or by phone w/in 20 days.
claim forms provision-Mandatory Uniform - ANSWERS💫✔️-The insurer is required to send the insured
a claim form within 15 days after notice is received
Proof of Loss provision-Mandatory Uniform - ANSWERS💫✔️-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 - ANSWERS💫✔️-Provides for immediate payment of
the claim after the insurer receives notification and proof of loss.
Payment of Claims Provision-Mandatory Uniform - ANSWERS💫✔️-Payment of claims to the
policyowner unless otherwise specified or there is an assignment of benefits(required) defines how
proceeds are to be paid out + requirements to initiate death benefit claim
Physical Exam and Autopsy-Mandatory Uniform - ANSWERS💫✔️-A provision that allows an insurer, at
its own expense, to have an insured physically examined when a claim is pending or to have an
autopsy performed where not prohibited by law.
legal action - ANSWERS💫✔️-Insured must wait 60 days but no later than 3 years after proof of loss
(POL) before legal action may be brought against the isurer
Change of Beneficiary Provision-Mandatory Uniform - ANSWERS💫✔️-Stipulates that the policy owner
may change the beneficiary at any time by providing a written request to the insurer, unless the
beneficiary is designated as irrevocable.
Optional Uniform Provisions - ANSWERS💫✔️-These provisions are included at the insurer's option;
however, if used they must conform to the state's insurance code. These provisions are designed to
protect the insurer.
Change of Occupation Provision-Optional - ANSWERS💫✔️-If Insured changes to: more hazardous job -
benefits reduced; less hazardous job - premiums reduce.
Misstatement of Age-Optioanl - ANSWERS💫✔️-This clause protects the insurance company against an
applicant who lies about his age
The insurance company has the right to adjust your face amount up or down to coincide with the face
amount or policy limit the correct premium would have purchased if you had not lied about your age
This is a separate clause from the Incontestability Clause and will not ever cause the policy
to be voided
Questions and answers @2026
Mandatory Uniform Provisions - ANSWERS💫✔️-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 - ANSWERS💫✔️-Includes the policy and provisions, c a
copy of the application and any riders, waivers, or endorsements
Time Limit on Certain Defenses-Mandatory Uniform - ANSWERS💫✔️-No statement or misstatement
may be contested after 2 years, no time limit for fraud
Grace Period-Mandatory Uniform - ANSWERS💫✔️-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 - ANSWERS💫✔️-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 - ANSWERS💫✔️-Policy owner must notify Insurer of loss
either in writing, in person or by phone w/in 20 days.
claim forms provision-Mandatory Uniform - ANSWERS💫✔️-The insurer is required to send the insured
a claim form within 15 days after notice is received
Proof of Loss provision-Mandatory Uniform - ANSWERS💫✔️-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 - ANSWERS💫✔️-Provides for immediate payment of
the claim after the insurer receives notification and proof of loss.
Payment of Claims Provision-Mandatory Uniform - ANSWERS💫✔️-Payment of claims to the
policyowner unless otherwise specified or there is an assignment of benefits(required) defines how
proceeds are to be paid out + requirements to initiate death benefit claim
Physical Exam and Autopsy-Mandatory Uniform - ANSWERS💫✔️-A provision that allows an insurer, at
its own expense, to have an insured physically examined when a claim is pending or to have an
autopsy performed where not prohibited by law.
legal action - ANSWERS💫✔️-Insured must wait 60 days but no later than 3 years after proof of loss
(POL) before legal action may be brought against the isurer
Change of Beneficiary Provision-Mandatory Uniform - ANSWERS💫✔️-Stipulates that the policy owner
may change the beneficiary at any time by providing a written request to the insurer, unless the
beneficiary is designated as irrevocable.
Optional Uniform Provisions - ANSWERS💫✔️-These provisions are included at the insurer's option;
however, if used they must conform to the state's insurance code. These provisions are designed to
protect the insurer.
Change of Occupation Provision-Optional - ANSWERS💫✔️-If Insured changes to: more hazardous job -
benefits reduced; less hazardous job - premiums reduce.
Misstatement of Age-Optioanl - ANSWERS💫✔️-This clause protects the insurance company against an
applicant who lies about his age
The insurance company has the right to adjust your face amount up or down to coincide with the face
amount or policy limit the correct premium would have purchased if you had not lied about your age
This is a separate clause from the Incontestability Clause and will not ever cause the policy
to be voided
