State RegulationsOH specificDifficulty 3/5
A client in Cincinnati asks what kinds of conditions an Ohio individual life policy's standard provisions recognize as policy conditions outside the general contestability protection. Which of the following is recognized by the statute?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3915.05(C) expressly preserves policy conditions relating to war or military service and conditions arising from aeronautics as exceptions that survive the 2-year contestability protection. These are the recognized condition areas in the life standard provisions. The name-or-specific-description preexisting-condition technique belongs to Ohio's accident and sickness statute, not to the life policy standard provisions, and no blanket occupational or foreign-death exclusion appears in this section.
Why the other options are wrong
- A) The name-or-specific-description preexisting-condition rule is an accident and sickness concept; ORC 3915.05(C) does not adopt it for individual life policies.
- B) No blanket hazardous-occupation exclusion is recognized in the life standard provisions; only war or military-service and aeronautics conditions are specified.
- D) An exclusion for all foreign deaths is not among the conditions recognized by ORC 3915.05(C); the statute names war or military service and aeronautics conditions only.
Memory hook
Life exclusions the statute names: war/military and aeronautics — nothing else.