Busy. Please wait.

show password
Forgot Password?

Don't have an account?  Sign up 

Username is available taken
show password


Make sure to remember your password. If you forget it there is no way for StudyStack to send you a reset link. You would need to create a new account.
We do not share your email address with others. It is only used to allow you to reset your password. For details read our Privacy Policy and Terms of Service.

Already a StudyStack user? Log In

Reset Password
Enter the associated with your account, and we'll email you a link to reset your password.
Don't know
remaining cards
To flip the current card, click it or press the Spacebar key.  To move the current card to one of the three colored boxes, click on the box.  You may also press the UP ARROW key to move the card to the "Know" box, the DOWN ARROW key to move the card to the "Don't know" box, or the RIGHT ARROW key to move the card to the Remaining box.  You may also click on the card displayed in any of the three boxes to bring that card back to the center.

Pass complete!

"Know" box contains:
Time elapsed:
restart all cards
Embed Code - If you would like this activity on your web page, copy the script below and paste it into your web page.

  Normal Size     Small Size show me how

11 Optional Provisio

TN Accident & Health (11 Optional Provisions)

11 Optional Provisions The insurer can include OR ignore any provision in this list. None is required. These OPTIONAL provisions exist for the PROTECTION OF THE INSURER.
Change Of Occupation Provision 1.)If the insured "CHANGES" to a MORE HAZARDOUS OCCUPATION, the insurer's risk increases. The provision allows the insurer to reduce benefits. 2.)If the insured "CHANGES" to a LESS HAZARDOUS OCC, the provision requires the insurer to reduce the premium.
Misstatement Of Age Provision When an insured "MISSTATES" their AGE on the application for insurance. (If this occurs, the insurer or beneficiary is still entitled to benefits however, the benefits payable will be those the insured's premium would have bought at the CORRECT AGE.)
Insurance In "THIS" Insurer Provision 2 or MORE policies with a "SINGLE" insurer. (Limits the total coverage that the company assumes with ONE insured.)
Insurance With "OTHER" Insurer Provision Coverage for the SAME RISK and expenses with "ANOTHER" insurer and has NOT notified this insurer of other coverage. (Allow an insurer to prorate the amount of benefit it will pay for an expense-covered loss if another insurer is covering the same event.
Insurance With "Other Insurers" Provision Coverage with "MULTIPLE" insurers of which the primary insurer had prior knowledge. (The insurer must return premiums that are more than the amount associated with its proportion of prorated benefits.)
Relation Of Earnings To Insurance Provision Avoiding over insurance by reducing the policy's income benefit amount if the insured has more insurance benefit than actual income at the time of disability. (i.e. accepts a lower paying job, additional sources of income)
Unpaid Premium Provision Any PREMIUM the insured MAY NOT HAVE PAID at the time of a claim.
Cancellation Provision An insurer can "CANCEL" the policy at anytime with 45 days notice. (If the insured did not pay the premium and the insurer CANCELLED the policy as a result, then the insurer must give 10 days notice to the insured.)
Conformity With State Statutes Provision Addressing any of its provisions that differ from STATE law.
Illegal Occupation Provision Allows the insurer to deny liability when the insured's claim arises from the insured's participation in an ILLEGAL ACTIVITY.
Intoxicants and Narcotics Provision Excludes insurer liability if a covered loss results from intoxication or the illegal use of NARCOTIC DRUGS.
Created by: Tiphanie_Dyme