Florida Life and Health Insurance License Practice Test

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Prepare for the Florida Life and Health Insurance License Test. Study with flashcards and multiple choice questions, each with hints and explanations. Get ready for your certification exam with ease!

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Which Accident and Health policy provision addresses preexisting conditions?

  1. The convertibility provision

  2. The Time Limit on Certain Defenses provision

  3. The free-look provision

  4. The renewal provision

The correct answer is: The Time Limit on Certain Defenses provision

The Time Limit on Certain Defenses provision is designed to address preexisting conditions by limiting the period of time in which the insurer can deny a claim based on a preexisting condition. This provision typically has a time limit of 2 years from the policy's effective date. The other options are incorrect because A: The convertibility provision allows the policyholder to convert their existing policy into a different type of policy without having to go through underwriting again. This provision does not address preexisting conditions. C: The free-look provision allows the policyholder to review the policy within a certain period of time after receiving it and cancel it for a full refund if they are not satisfied. This provision also does not specifically address preexisting conditions. D: The renewal provision simply outlines the terms and conditions for renewing a policy. It does not pertain to preexisting conditions.

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