Page |1
LOUISIANA LIFE AND HEALTH
INSURANCE EXAM 2026| BRAND NEW
EXAM QUESTIONS WITH 100% CORRECT
SOLUTIONS | GUARANTEED SUCCESS|
ACE YOUR GRADES.
An insured purchases a health policy in 2000 and submits a claim in 2005.
The insurance company discovers at that time that the insured misstated
the information about his health condition. What will the insurer most likely
do?
A. Deny the claim
B. Pay a decreased benefit
C. Void the policy
D. Pay the full benefit - Correct Answer-D. Pay the full benefit
The Time Limit on Certain Defenses provision stipulates that no statement
or misstatement (except fraudulent misstatements) made in the application
at the time of issue will be used to void a policy or deny a claim after the
policy has been in force for 3 years.
, Page |2
While a claim is pending, an insurance company may require
A. The insured to be examined only once annually.
B. An independent examination only once every 45 days.
C. An independent examination as often as reasonably required.
D. The insured to be examined only within the first 30 days. - Correct
Answer-C. An independent examination as often as reasonably required.
While a claim is pending, an insurance company may require an
independent exam as often as reasonably required.
Which of the following statements is true concerning the alteration of
optional policy provisions?
A. An insurer may change the wording of optional policy provisions that
would adversely affect the policyholder but must first receive state
permission before the change goes into effect.
B. Once any kind of provision is written, it cannot be changed.
C. An insurer may change the wording of optional provisions, as long as
the change does not adversely affect the policyholder.
, Page |3
D. An insurer may change the wording of optional provisions, regardless of
its effect on the policyholder. - Correct Answer-C. An insurer may change
the wording of optional provisions, as long as the change does not
adversely affect the policyholder.
Optional policy provisions can be changed by an insurer, as long as the
changes do not adversely affect the policyholder.
If the insured under a disability income insurance policy changes to a more
hazardous occupation after the policy has been issued, and a claim is filed,
the insurance company should do which of the following?
A. Adjust the benefit in accordance with the increased risk
B. Cancel the policy
C. Increase the premium
D. Exclude coverage for on-the-job injury - Correct Answer-A. Adjust the
benefit in accordance with the increased risk
A part of the premium rating concerns the hazard of occupation.
What is the contract provision that allows the insurer to nonrenew health
coverage if certain events occur?
, Page |4
A. Conditionally renewable
B. Optionally renewable
C. Noncancellable
D. Guaranteed renewable - Correct Answer-A. Conditionally renewable
The conditionally renewable provision is very similar to the optionally
renewable provision. The primary difference is that conditionally renewable
policies may be canceled for specific conditions contained in the policy, but
optionally renewable policies do not specify a condition or reason for
cancellation.
When an insured purchased her disability income policy, she misstated her
age to the agent. She told the agent that she was 30 years old, when in
fact, she was 37. If the policy contains the optional misstatement of age
provision
A. Because the misstatement occurred more than 2 years ago, it has no
effect.
B. Amounts payable under the policy will reflect the insured's correct age.
C. The contract will be deemed void because of the misstatement of age.
LOUISIANA LIFE AND HEALTH
INSURANCE EXAM 2026| BRAND NEW
EXAM QUESTIONS WITH 100% CORRECT
SOLUTIONS | GUARANTEED SUCCESS|
ACE YOUR GRADES.
An insured purchases a health policy in 2000 and submits a claim in 2005.
The insurance company discovers at that time that the insured misstated
the information about his health condition. What will the insurer most likely
do?
A. Deny the claim
B. Pay a decreased benefit
C. Void the policy
D. Pay the full benefit - Correct Answer-D. Pay the full benefit
The Time Limit on Certain Defenses provision stipulates that no statement
or misstatement (except fraudulent misstatements) made in the application
at the time of issue will be used to void a policy or deny a claim after the
policy has been in force for 3 years.
, Page |2
While a claim is pending, an insurance company may require
A. The insured to be examined only once annually.
B. An independent examination only once every 45 days.
C. An independent examination as often as reasonably required.
D. The insured to be examined only within the first 30 days. - Correct
Answer-C. An independent examination as often as reasonably required.
While a claim is pending, an insurance company may require an
independent exam as often as reasonably required.
Which of the following statements is true concerning the alteration of
optional policy provisions?
A. An insurer may change the wording of optional policy provisions that
would adversely affect the policyholder but must first receive state
permission before the change goes into effect.
B. Once any kind of provision is written, it cannot be changed.
C. An insurer may change the wording of optional provisions, as long as
the change does not adversely affect the policyholder.
, Page |3
D. An insurer may change the wording of optional provisions, regardless of
its effect on the policyholder. - Correct Answer-C. An insurer may change
the wording of optional provisions, as long as the change does not
adversely affect the policyholder.
Optional policy provisions can be changed by an insurer, as long as the
changes do not adversely affect the policyholder.
If the insured under a disability income insurance policy changes to a more
hazardous occupation after the policy has been issued, and a claim is filed,
the insurance company should do which of the following?
A. Adjust the benefit in accordance with the increased risk
B. Cancel the policy
C. Increase the premium
D. Exclude coverage for on-the-job injury - Correct Answer-A. Adjust the
benefit in accordance with the increased risk
A part of the premium rating concerns the hazard of occupation.
What is the contract provision that allows the insurer to nonrenew health
coverage if certain events occur?
, Page |4
A. Conditionally renewable
B. Optionally renewable
C. Noncancellable
D. Guaranteed renewable - Correct Answer-A. Conditionally renewable
The conditionally renewable provision is very similar to the optionally
renewable provision. The primary difference is that conditionally renewable
policies may be canceled for specific conditions contained in the policy, but
optionally renewable policies do not specify a condition or reason for
cancellation.
When an insured purchased her disability income policy, she misstated her
age to the agent. She told the agent that she was 30 years old, when in
fact, she was 37. If the policy contains the optional misstatement of age
provision
A. Because the misstatement occurred more than 2 years ago, it has no
effect.
B. Amounts payable under the policy will reflect the insured's correct age.
C. The contract will be deemed void because of the misstatement of age.
