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Louisiana Series 103 – Life, Health, And Accident Or Sickness Insurance Practice Exam

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Upon applying for health insurance, a proposed insured treated for heart disease within the past year has indicated what condition?
Correct Answer:
Preexisting condition
Explanation:
Preexisting condition is a medical condition that exists before the policy starts and for which treatment or medical advice occurred within a look-back period. Since the proposed insured was treated for heart disease within the past year, that condition would be considered preexisting. The other terms don’t name the condition itself: a medical underwriting flag is an underwriting note, pending approval isn’t the standard label for the condition, and a wellness exclusion refers to limits tied to wellness programs, not the general status of a prior diagnosis.

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