State RegulationsTN specificDifficulty 1/5
Tennessee requires certain provisions in individual accident and health policies. May an insurer include other provisions beyond those required ones?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Tennessee's A&H policy framework pairs required provisions (T.C.A. § 56-26-108) with permissible optional provisions identified at T.C.A. § 56-26-109. An insurer may include the statutory optional provisions to expand or tailor coverage, but the required protections — grace period, reinstatement, claim timelines, legal actions, and the like — remain mandatory, and optional provisions operate only as additions permitted by statute.
Why the other options are wrong
- A) T.C.A. § 56-26-109 expressly contemplates additional provisions, so the required provisions are not the policy's only permissible content.
- B) Including statutory optional provisions does not void the policy; Tennessee authorizes them alongside the required provisions.
- D) Optional provisions supplement the policy; they may not be used to omit or negate the protections required by T.C.A. § 56-26-108.
Memory hook
Optional provisions add on — they never erase the required ones.