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Provisions, Clauses, Riders (ID-AHS)

Provisions - Part 1

Entire Contract; Changes
Incontestability
Grace Period
Reinstatement
Claim Procedures
Physical Examinations and Autopsy
Legal Actions
Change of Beneficiary
Misstatement of Age or Gender
Change of Occupation
Illegal Occupation
Relation of Earnings to Insurance

Provisions - Part 2

Insuring Clause
Right to Examine (Free Look)
Consideration Clause
Probationary Period
Elimination Period
Cost-Share
Pre-Authorization and Prior Approval
Eligible Expenses

Renewability Rights and Riders

Renewability Clause
Optional Riders and Provisions
Impairment Riders

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