Individual Accident and Health - B Optional Standard Provisions

Question 1

An ___________ may change the wording of the optional policy provisions
as long as the rewording is not less favorable to the policyholder

Answer 1

insurance company

Question 2

If the insured makes a change to a more hazardous
occupation, upon claim, benefits will be_________ to that which premiums paid would have purchased assuming the more hazardous occupation

Answer 2

reduced

Question 3

If the insured misstated his or her age or gender at the time of the application, the benefits paid under the policy would be __________ to what the premium paid would have been purchased at the correct age

Answer 3

adjusted

Question 4

Upon payment of a claim, any past-due premiums will be ____________ from the claim and the policyholder will be paid the net amount.

Answer 4

deducted

Question 5

This provision states that liability will be denied if the insured is injured while _____________ or is engaged in an _______occupation

Answer 5

committing an illegal act

Question 6

The insurer is not liable for any claims that result while the insured is__________
or under the________________ of drugs

Answer 6

intoxicated

influence