The prior medical conditions for which the applicant has received, or should have received, medical advice or treatment within a specified period before the effective date of a policy are called:

The answer is "pre-existing conditions."

Explanation:

A pre-existing condition is a health condition or illness that existed before someone enters into an agreement or a contract, such as life insurance.

For life insurance companies, it is essential to know a person's pre-existing conditions because they do not wish to provide the coverage for such conditions. As you probably know, it is common that life insurance companies do not provide insurance to people who are terminally ill or about to die. This is the reason why they ask you to provide all necessary medical examinations before entering into the agreement.

However, once the specified period for the pre-existing condition's treatment has elapsed, the insurance company will have to cover the treatment.

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