Term:12 mandatory Uniformprovisions-must be in every individualpolicy. designed to protect theinsured's interestsDefinition:entire contract-the policy, copy of theapp, and riderstime limit on certain defenses(incontestable)-time limit on certaindefenses under individual healthpolicies is 2 years.grace periodreinstatement-allows the insured toreinstate a policy that has lapsed.notice of claim-required within 20days of loss or as soon as reasonablypossible. insured's responsibilityclaim formsproofs of losstime pf payment of claimspayment of claimsphysical exam and autopsylegal actionschange of beneficiaryTerm:optional uniform provisions-change ofoccupationDefinition:change of occupation- morehazardous job, benefits will bereduced to that benefit whichpremiums paid would have purchasedat the more hazardous occupation. ifinsured works two occupations, ratesare for the most hazardousTerm:Mandatory Uniform provisions-claimformsDefinition:must be received by the insured within15 days after notice of claims.Term:Mandatory Uniform provisions-proofof lossDefinition:the insured is required to prove theirloss within 90 days, but not to exceed1 year unless the insured suffers legalincapacityTerm:Mandatory Uniform provisions-time ofpayment of claimsDefinition:all claims are to be paid immediatelyupon written proof of loss.Term:Mandatory Uniformprovisions-payment of claimsDefinition:death benefits are paid to the benef,other benefits may be paid directly tothe provider of services or the insured.Term:Mandatory Uniformprovisions-physical exam and autopsyDefinition:gives the insurer the right to examinethe insured at insurer'sexpense,where not prohibited by law.Term:Mandatory Uniform provisions-legalactionsDefinition:insured must wait 60 days but no laterthan 3 to 5 years after proof of loss,before legal action can be broughtagainst the insurerTerm:Mandatory Uniformprovisions-change of benfDefinition:consent of benef is not required unlesebenef is irrevocableTerm:optional uniform provisions-otherinsurance with this insurerDefinition:he/she may select the policy to beused. excess premiums for the excesscoverage will be returned.assumed a client buy 2 insurancepolicies to obtain more coverage, oncethe company discovers the overinsurance they will reduce the benefitspaid and return the excess premium.the provision protects insurers againstover payment of claims.Term:optional uniform provisions-insurancewith other insurersDefinition:any one's insurer's liability is limitedto a proportion of the loss. benefits aredetermined by dividing the totalbenefits.if the insured has duplicatingcoverage with other insurers in orderto obtain more coverage, the companywill reduce their benefits excesspremiums will be refunded.