Florida Life and Health Insurance License Practice Test

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Why is nondisclosure of medical history, like a stroke, significant in the application process for Disability Income insurance?

  1. It may qualify the applicant for lower premiums

  2. It can lead to denial of coverage

  3. It is irrelevant to the insurance decision

  4. It ensures faster processing of the application

The correct answer is: It can lead to denial of coverage

Not disclosing a medical history, such as having a stroke, can significantly affect the outcome of an application for Disability Income insurance. This is because insurance companies need to assess the risk of providing coverage to an individual and not disclosing important medical information can lead to a denial of coverage. Insurance companies rely on complete and accurate medical histories to make informed decisions, so failing to disclose any relevant information can lead to incorrect premium rates or even rejection of the application. Therefore, it is important to be honest and upfront about any medical history in the application process for Disability Income insurance.

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