All accidents and claims within the following time period immediately preceding the application must be disclosed

All accidents and claims within the following time period immediately preceding the application must be disclosed

• A. 3 years
• B. 4 years
• C. 5 years
• D. 6 years

Answer: (D)

Disclose all accidents and claims within six years before the application. This six-year look-back gives the underwriter a complete view of recent risk history, since past incidents can signal patterns or ongoing factors that affect future claims. A longer window helps ensure the policy terms and premium accurately reflect actual risk and reduces the chance of later disputes over undisclosed information. Shorter periods might miss relevant events that still matter for assessing risk, so six years is the most protective choice among the options.

Disclose all accidents and claims within six years before the application. This six-year look-back gives the underwriter a complete view of recent risk history, since past incidents can signal patterns or ongoing factors that affect future claims. A longer window helps ensure the policy terms and premium accurately reflect actual risk and reduces the chance of later disputes over undisclosed information. Shorter periods might miss relevant events that still matter for assessing risk, so six years is the most protective choice among the options.