Busy. Please wait.
Log in with Clever

show password
Forgot Password?

Don't have an account?  Sign up 
Sign up using Clever

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.
Your email address is only used to allow you to reset your password. See 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.
Didn't know it?
click below
Knew it?
click below
Don't Know
Remaining cards (0)
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
Popular Insurance sets




Use these flashcards to help memorize information. Look at the large card and try to recall what is on the other side. Then click the card to flip it. If you knew the answer, click the green Know box. Otherwise, click the red Don't know box.

When you've placed seven or more cards in the Don't know box, click "retry" to try those cards again.

If you've accidentally put the card in the wrong box, just click on the card to take it out of the box.

You can also use your keyboard to move the cards as follows:

If you are logged in to your account, this website will remember which cards you know and don't know so that they are in the same box the next time you log in.

When you need a break, try one of the other activities listed below the flashcards like Matching, Snowman, or Hungry Bug. Although it may feel like you're playing a game, your brain is still making more connections with the information to help you out.

To see how well you know the information, try the Quiz or Test activity.

Pass complete!
"Know" box contains:
Time elapsed:
restart all cards