A&H Policy ProvisionsQuestion 624 of 716
The optional 'illegal occupation' and 'intoxicants and narcotics' provisions let the insurer deny claims for losses that:
a.Involve a minor illness
b.Occur only on weekends or public holidays, when the insured is presumed to be away from the regular workplace
c.Occur while the insured is at work
d.Result from the insured committing a felony or being under the influence of non-prescribed narcotics
Explanation
These optional provisions exclude losses stemming from the insured's illegal activity or intoxication by non-prescribed narcotics. Ordinary work, weekend, or minor-illness losses are not what they target.
This 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 →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- Under the optional 'change of occupation' provision, if an insured changes to a MORE hazardous occupation, benefits will generally be:
- If an insured changes to a LESS hazardous occupation, the change of occupation provision allows:
- In a health policy, the misstatement of age provision adjusts the ________ to what the premium paid would have purchased at the correct age:
- The insuring clause of a health policy:
- A probationary period in a health policy is:
- How does an elimination period differ from a probationary period?
Last reviewed: · editorial process
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)