Arkansas Life and Health Insurance Practice Exam

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The look back period for defining preexisting conditions is limited to:

  1. 10 years

  2. 3 years

  3. 1 year

  4. 5 years

The correct answer is: 5 years

In Arkansas, the look back period for defining preexisting conditions is typically limited to 5 years. This means that an insurance company can only review an individual's health history for the 5 years immediately preceding the effective date of their insurance coverage to determine if any preexisting conditions exist. This timeframe is set to ensure fairness and accuracy in assessing the individual's health status prior to obtaining insurance coverage.

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