Arkansas Life and Health Insurance Practice Exam

If a father were to add a Child Rider to a policy to cover his children, when would coverage become effective for a newborn?

1. Immediately upon birth

2. At 14 or 15 days of age

3. At 30 days of age

4. Upon policy renewal

The correct answer is: Immediately upon birth

When a father adds a Child Rider to a policy to cover his children, the coverage for a newborn would typically become effective immediately upon birth. This means that the newborn would be covered as soon as they are born, providing financial protection right from the start. It is important for parents to understand the terms and conditions of such riders to ensure their children are adequately protected. Options B, C, and D are incorrect because coverage for a newborn with a Child Rider typically starts right at birth, as stated in the correct answer.