State RegulationsAZ specificDifficulty 2/5
After an Arizona life policy is reinstated, coverage for sickness begins:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under A.R.S. 20-1213, a reinstated policy provides renewed coverage, but sickness is covered only when it begins more than 10 days after reinstatement. That waiting shield blocks adverse selection by people who reinstate precisely because an illness is already brewing, while accidents and later-arising sicknesses are covered under the renewed policy.
Why the other options are wrong
- A) immediate sickness coverage is exactly what the 10-day rule forecloses.
- B) the statutory measure is 10 days, not two months.
- D) the contestable window after reinstatement concerns misstatements, not sickness onset.
Memory hook
Ten days of health before sickness counts.