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A/H Insurance Basics

AZ Accident and Health Insurance Basics

Define accidental bodily injury. An unforeseen and unintended injury
Who is the field underwriter? Agent
What are the three risk classifications? Preferred, Standard, and Substandard
Which risk classification qualifies for lower premiums? Preferred
What is a limited policy? They only cover specific accidents or diseases
Define Hospital Indemnity. Policy provides a specific amount on a daily, weekly or monthly basis while the insured is confined to the hospital.
What is an unfair trade practice? Any statement that an insurer's policies are guaranteed by the existence of the Insurance Guaranty Association
Who's signature must be on the application? Applicant and the agent
How is insurable interest proven? Love and affection, economic or financial loss
How old must one be to purchase a life or disability policy? 15 years old
Where do most Errors and Omissions take place? The Sales interview and the policy delivery
What is the Medical Information Bureau (MIB)? gives the underwriter a report as to whether or not an applicant is an adverse risk.
When does the insurer receive a Statement of Good Health? when the agent collects the premium but the policy is not yet delivered.
Will pre-existing conditions be covered on a new policy if it was covered on the old one? If not excluded, they may be subject to new waiting periods.
Created by: jgray2015
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