become a welder. What kind of benefit should she expect?
A refund of premium since she had not notified the company of the change
A lower benefit since she had changed to a more hazardous occupation
A company may use a rider or an endorsement to do any of the following EXCEPT:
Add benefits
Change the insuring clause
Zack and his friends were celebrating his promotion to manager at a local pub after work. Zack was “over served” at the party and on the way home, Zack was involved in a serious accident that required him to be hospitalized. His blood alcohol level was well above the allowable limit. Zack’s insurance policy will most likely pay his benefit at what level?
Standard benefits as for any other claim
A limit of $5,000 total regardless of claim size
Nothing, as alcohol related accidents are usually policy exclusion.
Mr. Jones wants a health policy that can never be cancelled by the insurance company. He also wants one that will guarantee the premiums for the life of the policy (no premium increases). He should look for a policy that is:
Noncancelable
ormally, proof of loss for a medical claim must be submitted to the insurance company for consideration within 90 days UNLESS:
The provider fails to submit the claim
The insured is not of legal capacity
Using the facility of payment clause in a policy, the insurance company may pay an amount up to the maximum limit to which of the following?
The people who appear to be entitled to it
The insured’s

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