A&H Policy ProvisionsQuestion 36 of 716
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?
a.The insurer must refund every premium paid from inception and cancel the policy outright
b.The benefit or premium is adjusted to what the correct premium would have purchased
c.The policy is rescinded back to the date of issue, as though it had never been written
d.The policy continues unchanged, because age never affects A&H premium rates
Explanation
The Misstatement of Age provision is a corrective remedy, not a voiding remedy. The benefit (or premium) is adjusted to what the correct age premium would have purchased; the contract stays in force.
Law Reference: Cal. Ins. Code §10369.7This 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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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)