A&H Policy ProvisionsQuestion 35 of 716
What is the maximum number of years after written proof of loss was required during which the insured may bring a legal action on the policy?
a.5 years
b.1 year
c.2 years
d.3 years
Explanation
The Legal Actions provision sets an outside limit of 3 years from the time proof of loss was required. After that, the insurer has a complete defense to the suit.
Law Reference: Cal. Ins. Code §10350.11This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
- After receiving a notice of claim, within how many days must the insurer furnish claim forms to the claimant?
- Written proof of loss must generally be furnished to the insurer within how many days after the date of loss?
- Under the Legal Actions provision, an insured cannot start a lawsuit on the policy until at least how long after written proof of loss has been furnished?
- When an insurer discovers that an insured's age was misstated on an A&H application, what is the typical result under the optional Misstatement of Age provision?
- Which renewability classification gives the insured the strongest protection by preventing the insurer from raising the premium or refusing renewal during the contract period?
- Under a guaranteed renewable individual health policy, what may the insurer do at renewal?
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)