In the declarations section for life and health policies, which item is typically listed?

• A. Age of the insured at issue date
• B. Period of coverage
• C. Policy limits
• D. Open peril

Answer: (A)

Age at the issue date is listed on the declarations page because it directly affects underwriting and pricing. The declarations provide a snapshot of the policy’s essential facts, and the insured’s age as of the issue date helps determine the premium and risk class for the contract. It also confirms the starting point for the policy’s terms and eligibility.

Period of coverage is related to the policy’s term, but that detail is typically conveyed by issue and expiration dates rather than a separate “period of coverage” line on the declarations. Policy limits is more a term used in other lines of insurance; in life and health, the key figure is the benefit amount, not a separate limits figure. Open peril is not a concept used in life or health declarations.