State RegulationsAZ specificDifficulty 2/5
An Arizona life policy is reinstated. Five days later the insured falls seriously ill. Under A.R.S. 20-1213, how does the reinstated coverage treat that sickness?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under A.R.S. 20-1213, coverage under a reinstated life policy for sickness begins only if the sickness starts more than 10 days after reinstatement. Illness beginning within that window is not covered, which is why insurers scrutinize early claims after reinstatement.
Why the other options are wrong
- A) Reinstated coverage does not apply to sickness beginning within 10 days of reinstatement.
- B) The lapse status does not matter; the 10-day sickness rule of A.R.S. 20-1213 controls.
- C) No rider mechanism exists in the statute for curing the 10-day exclusion.
Memory hook
Reinstated sickness waits out the first 10 days.