Which uniform optional provision covers a claim scenario with an unpaid premium?

The uniform optional provision that covers a claim scenario with an unpaid premium is focused on addressing situations where a policyholder has not paid their premium by the time they submit a claim. This provision typically specifies how the insurer will handle claims if premiums are outstanding.

In insurance policies, if a premium is unpaid at the time of a claim, the insurer may reduce the benefit amount by the outstanding premium or deny the claim entirely until the premium is paid, depending on the terms of the policy. This provision is designed to protect the insurer by ensuring that coverage is only active when the policyholder has met their financial obligation to pay premiums.

Understanding this provision is crucial for both insurance agents and policyholders, as it clarifies the responsibilities tied to maintaining a policy and the implications of failing to pay premiums on claims. Other options address different aspects of policy management but do not specifically pertain to the handling of claims related to unpaid premiums.