# [Health Insurance] 26, Misstatement of Age and Other Insurance Provisions

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-26-misstatement-of-age-and-other-insurance-provisions
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-26-misstatement-of-age-and-other-insurance-provisions.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-22T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/2ebcd80d-7d53-452e-8546-c3edd4cbe319.mp3
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Duration seconds: 171

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The Misstatement of Age provision adjusts benefits to what the premium would have purchased at the correct age; it does not void the policy. - Coordination of Benefits (COB) rules determine which plan is primary, ensuring total claim payments do not exceed 100% of the cost. - For dependent children, the 'birthday rule' states the parent with the earlier birthday in the calendar year has the primary plan. - The Relation of Earnings to Insurance provision applies to disability income, capping benefits to prevent overinsurance relative to pre-disability earnings. - If disability benefits would exceed earnings, the insurer pays a pro-rata benefit and refunds the premium for the excess coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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