Arkansas Life and Health Insurance Practice Exam

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Which provision is an Optional Uniform Provision?

  1. Entire Contract

  2. Misstatement of Age

  3. Payment of Claims

  4. Time Limit on Certain Defenses

The correct answer is: Entire Contract

The Entire Contract provision is considered an Optional Uniform Provision. This provision states that the insurance policy, along with the application and any riders or amendments, constitutes the entire contract between the parties involved. It helps prevent disputes arising from misunderstandings about what constitutes the complete agreement. The other options - Misstatement of Age, Payment of Claims, and Time Limit on Certain Defenses - are not Optional Uniform Provisions.

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