LOUISIANA INSURANCE ADJUSTER
COMPREHENSIVE TEST PAPER 2026
COMPLETE QUESTIONS AND ANSWERS
⩥ An insured pays a monthly premium of $100 for health insurance.
What would be the duration of the grace period under the policy?
A. 15 days
B. 30 days
C. 60 days
D. 7 days. Answer: B. 30 days
The grace period is 30 days for all health insurance policies in
Louisiana.
⩥ Question 11 of 15
An applicant for an individual health policy failed to complete the
application properly. Before being able to complete the application and
pay the initial premium, she is confined to a hospital. This will not be
,covered by insurance because she has not met the conditions specified in
the
A. Insuring Clause.
B. Pre-existing Conditions Clause.
C. Eligibility Clause.
D. Consideration Clause.. Answer: D. Consideration Clause.
The consideration clause specifies that both parties to the contract must
give some valuable consideration. The payment of the premium is the
consideration given by the applicant. Because the applicant had not paid
an initial premium, she is not covered by insurance.
⩥ Question 12 of 15
Under the mandatory uniform provision Notice of Claim, the first notice
of injury or sickness covered under an accident and health policy must
contain
A. An estimate of the total amount of medical and hospital expense for
the loss.
,B. A complete physician's statement.
C. A statement that is sufficiently clear to identify the insured and the
nature of the claim.
D. A statement from the insured's employer showing that the insured was
unable to work.. Answer: C. A statement that is sufficiently clear to
identify the insured and the nature of the claim.
The Insurance Code requires that each policy must include, "Written
notice of claim must be given to the insurer within 20 days after the
occurrence or commencement of any loss covered by the policy, or as
soon thereafter as is reasonably possible".
⩥ Question 13 of 15
The expense for an autopsy covered under the physical exam and
autopsy provision is paid by
A. The estate of the insured.
B. The insurer.
C. The state's autopsy fund.
, D. The limits of coverage under the health insurance policy.. Answer: B.
The insurer
Where not forbidden by state law, the insurer, at its own expense, may
cause an autopsy to be performed on a deceased insured.
⩥ An insured notifies the insurance company that he has become
disabled. What provision states that claims must be paid immediately
upon written proof of loss?
A. Time of Payment of Claims
B. Incontestability
C. Physical Exam and Autopsy
D. Legal Actions. Answer: A. Time of Payment of Claims
The Time of Payment of Claims provision specifies that claims are to be
paid immediately upon written proof of loss.
⩥ Which renewability provision allows an insurer to terminate a policy
for any reason, and to increase the premiums for any class of insureds?
COMPREHENSIVE TEST PAPER 2026
COMPLETE QUESTIONS AND ANSWERS
⩥ An insured pays a monthly premium of $100 for health insurance.
What would be the duration of the grace period under the policy?
A. 15 days
B. 30 days
C. 60 days
D. 7 days. Answer: B. 30 days
The grace period is 30 days for all health insurance policies in
Louisiana.
⩥ Question 11 of 15
An applicant for an individual health policy failed to complete the
application properly. Before being able to complete the application and
pay the initial premium, she is confined to a hospital. This will not be
,covered by insurance because she has not met the conditions specified in
the
A. Insuring Clause.
B. Pre-existing Conditions Clause.
C. Eligibility Clause.
D. Consideration Clause.. Answer: D. Consideration Clause.
The consideration clause specifies that both parties to the contract must
give some valuable consideration. The payment of the premium is the
consideration given by the applicant. Because the applicant had not paid
an initial premium, she is not covered by insurance.
⩥ Question 12 of 15
Under the mandatory uniform provision Notice of Claim, the first notice
of injury or sickness covered under an accident and health policy must
contain
A. An estimate of the total amount of medical and hospital expense for
the loss.
,B. A complete physician's statement.
C. A statement that is sufficiently clear to identify the insured and the
nature of the claim.
D. A statement from the insured's employer showing that the insured was
unable to work.. Answer: C. A statement that is sufficiently clear to
identify the insured and the nature of the claim.
The Insurance Code requires that each policy must include, "Written
notice of claim must be given to the insurer within 20 days after the
occurrence or commencement of any loss covered by the policy, or as
soon thereafter as is reasonably possible".
⩥ Question 13 of 15
The expense for an autopsy covered under the physical exam and
autopsy provision is paid by
A. The estate of the insured.
B. The insurer.
C. The state's autopsy fund.
, D. The limits of coverage under the health insurance policy.. Answer: B.
The insurer
Where not forbidden by state law, the insurer, at its own expense, may
cause an autopsy to be performed on a deceased insured.
⩥ An insured notifies the insurance company that he has become
disabled. What provision states that claims must be paid immediately
upon written proof of loss?
A. Time of Payment of Claims
B. Incontestability
C. Physical Exam and Autopsy
D. Legal Actions. Answer: A. Time of Payment of Claims
The Time of Payment of Claims provision specifies that claims are to be
paid immediately upon written proof of loss.
⩥ Which renewability provision allows an insurer to terminate a policy
for any reason, and to increase the premiums for any class of insureds?
