Washington health and disability provisions study cards

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: None

The standard provision says that no insurance producer has authority to change the policy or waive any of its provisions. This is an editorial practice variation derived from source card wa-lh-2026-q39; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: By the coverage the paid premium would have purchased at the correct age or sex

Washington's standard provision adjusts amounts payable to the coverage that the premium paid would have purchased at the insured's correct age or sex. This is an editorial practice variation derived from source card wa-lh-2026-q40; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 6% per year

The standard provision permits interest as specified in the policy form, but caps it at six percent per year for these underpayments or overpayments. This is an editorial practice variation derived from source card wa-lh-2026-q41; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy is reinstated

Subsequent acceptance of a renewal premium without requiring a reinstatement application generally reinstates the policy under the standard provision. This is an editorial practice variation derived from source card wa-lh-2026-q42; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: On the 45th day after the conditional receipt

Without prior written disapproval, the standard reinstatement provision makes the policy reinstated on the forty-fifth day following the conditional receipt. This is an editorial practice variation derived from source card wa-lh-2026-q43; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Loss from accidental injury sustained after reinstatement

The reinstated policy covers loss resulting from accidental injury sustained after the date of reinstatement, subject to the statutory provision. This is an editorial practice variation derived from source card wa-lh-2026-q44; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: More than 10 days after reinstatement

The standard reinstatement provision covers loss due to sickness that begins more than ten days after reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q45; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: No more than 60 days before reinstatement

A premium accepted with reinstatement is applied to a period not previously paid for, but not to a period more than sixty days before reinstatement. This is an editorial practice variation derived from source card wa-lh-2026-q46; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insurer

The standard provision gives the insurer the right to examine the insured during a pending claim, but does so at the insurer's own expense. This is an editorial practice variation derived from source card wa-lh-2026-q47; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: When and as often as reasonably required while the claim is pending

The provision allows examinations when and as often as reasonably required during the pendency of a claim. This is an editorial practice variation derived from source card wa-lh-2026-q48; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: After death, where not forbidden by law

The standard provision permits an autopsy in case of death when it is not forbidden by law. This is an editorial practice variation derived from source card wa-lh-2026-q49; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: At least five days

The optional provision permits cancellation by written notice stating an effective date not less than five days after notice. This is an editorial practice variation derived from source card wa-lh-2026-q50; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Pro rata

When the insurer cancels, the optional provision computes earned premium pro rata and calls for prompt return of the unearned portion. This is an editorial practice variation derived from source card wa-lh-2026-q51; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Using the applicable short-rate table

If the insured cancels, the optional provision uses the short-rate table last filed with the appropriate insurance official for computing earned premium. This is an editorial practice variation derived from source card wa-lh-2026-q52; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Cancellation is without prejudice to that claim

The optional cancellation provision states that cancellation is without prejudice to any claim originating before the effective cancellation date. This is an editorial practice variation derived from source card wa-lh-2026-q53; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Benefits may be reduced to the amount the paid premium would have purchased for the more hazardous occupation

The optional provision limits indemnities to the amount the paid premium would have purchased at the insurer's rates and limits for the more hazardous occupation. This is an editorial practice variation derived from source card wa-lh-2026-q54; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A reduced premium and return of applicable pro rata unearned premium

For a less hazardous occupation, the optional provision reduces the premium and returns excess pro rata unearned premium from the applicable statutory date. This is an editorial practice variation derived from source card wa-lh-2026-q55; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 10 days

For individual disability policies, Washington's standard provision sets minimum grace periods of 7 days for weekly premiums, 10 days for monthly premiums, and 31 days for every other premium mode. This is an editorial practice variation derived from source card wa-lh-2026-q06; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 20 days, or as soon afterward as reasonably possible

The required notice-of-claim provision generally calls for written notice within 20 days after a covered loss starts, or as soon afterward as reasonably possible. The notice is given to the insurer or an authorized agent. This is an editorial practice variation derived from source card wa-lh-2026-q07; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Submit timely written proof describing the occurrence, character, and extent of the loss

If the insurer does not furnish its usual forms within 15 days after receiving notice, the claimant can satisfy the proof-of-loss requirement by submitting timely written proof covering the occurrence, character, and extent of the loss. This is an editorial practice variation derived from source card wa-lh-2026-q08; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: A fraudulent misstatement

Washington’s required time-limit-on-defenses provision generally bars use of application misstatements after two years to void the policy or deny a later loss claim, except for fraudulent misstatements and stated statutory exceptions. This is an editorial practice variation derived from source card wa-lh-2026-q17; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Within 90 days after the loss

The standard proof-of-loss provision requires written proof within 90 days after a nonperiodic loss. The statute provides a limited excuse when timely proof was not reasonably possible, but generally no later than one year absent legal incapacity. This is an editorial practice variation derived from source card wa-lh-2026-q18; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Immediately

For loss other than a loss with periodic payments, Washington’s standard time-of-payment provision states that indemnities are paid immediately upon receipt of due written proof of loss. This is an editorial practice variation derived from source card wa-lh-2026-q19; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: 60 days

Washington’s standard legal-actions provision states that no action at law or equity may be brought before 60 days have passed after written proof of loss has been furnished according to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q20; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Three years after proof of loss was required

The standard provision also says an action may not be brought after three years from the time written proof of loss was required to be furnished. This is measured from the proof-of-loss deadline, not from policy delivery. This is an editorial practice variation derived from source card wa-lh-2026-q21; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The insured, unless the beneficiary designation is irrevocable

Unless the insured makes an irrevocable beneficiary designation, the required provision reserves the right to change the beneficiary to the insured and does not require the beneficiary’s consent for the listed policy transactions. This is an editorial practice variation derived from source card wa-lh-2026-q22; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: Payment at least monthly, subject to due written proof

For disability losses that require periodic payments, the standard provision calls for payment at least monthly, subject to due written proof of loss. This differs from a nonperiodic loss, which is payable immediately after due written proof. This is an editorial practice variation derived from source card wa-lh-2026-q30; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: The policy, endorsements, and attached papers

The standard provision treats the policy, including endorsements and attached papers if any, as the entire contract of insurance. This is an editorial practice variation derived from source card wa-lh-2026-q37; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.

Correct answer: An executive officer of the insurer

A change is not valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy. This is an editorial practice variation derived from source card wa-lh-2026-q38; the controlling rule and citation are unchanged. The alternative choices are not the cited requirement for this fact pattern.