Florida 20-44 Personal Lines Agent
Exam Prep Course 2026: Complete
Study Guide with Practice Questions &
Detailed Explanations
1. Florida law deems information provided by the insured in an
insurance application to be ___________ and
not_______________ - answer-A) representations and not
warranties
2. Insurance companies are required to provide ______ day's notice
of either policy Renewal or Non-Renewal. - answer-45
3. Cancellation Provisions in insurance policies allow who to "cancel"
an insurance policy? - answer-the named insured show in the
Declarations
4. All of the following are true regarding "contracts of adhesion"
EXCEPT which of the follow? - answer-ambiguities are resolved in
favor of the insurance company
5. What precipitated the Terrorism Risk Insurance Act? - answer-
September 11, 2001 attacks
, 6. What is the number once source of underwriting information
regarding the insured? - answer-The application of insurance
7. Liability insurance means any insurance where payment by the
insurance company will be paid on behalf of the insured to
another; based upon the insured's ___________ to the
payee/claimant - answer-Liability
8. Straight deductibles specify the deduction of a flat amount from a
loss, regardless of the ____________ of the loss. - answer-
Percentage
9. An insurance policy can be changed by adding an ___________ to
a policy. - answer-Endorsement
10. One of the typical "Conditions" in an insurance policy is for
the insured to: "Send to us, within 60 days after our request, your
signed, sworn proof of loss which sets forth, to the best of your
knowledge and belief:" The "sworn proof of loss" includes which
of the following? - answer-The time and cause of the loss, other
insurance which may cover the loss, changes in title or occupancy
of the property during the term of the policy, inventory of
damage property (all except a history of all premiums paid to the
insured)
11. All of the following are "obligations" of the insurance
company EXCEPT. - answer-Reasonable malfeasance
Exam Prep Course 2026: Complete
Study Guide with Practice Questions &
Detailed Explanations
1. Florida law deems information provided by the insured in an
insurance application to be ___________ and
not_______________ - answer-A) representations and not
warranties
2. Insurance companies are required to provide ______ day's notice
of either policy Renewal or Non-Renewal. - answer-45
3. Cancellation Provisions in insurance policies allow who to "cancel"
an insurance policy? - answer-the named insured show in the
Declarations
4. All of the following are true regarding "contracts of adhesion"
EXCEPT which of the follow? - answer-ambiguities are resolved in
favor of the insurance company
5. What precipitated the Terrorism Risk Insurance Act? - answer-
September 11, 2001 attacks
, 6. What is the number once source of underwriting information
regarding the insured? - answer-The application of insurance
7. Liability insurance means any insurance where payment by the
insurance company will be paid on behalf of the insured to
another; based upon the insured's ___________ to the
payee/claimant - answer-Liability
8. Straight deductibles specify the deduction of a flat amount from a
loss, regardless of the ____________ of the loss. - answer-
Percentage
9. An insurance policy can be changed by adding an ___________ to
a policy. - answer-Endorsement
10. One of the typical "Conditions" in an insurance policy is for
the insured to: "Send to us, within 60 days after our request, your
signed, sworn proof of loss which sets forth, to the best of your
knowledge and belief:" The "sworn proof of loss" includes which
of the following? - answer-The time and cause of the loss, other
insurance which may cover the loss, changes in title or occupancy
of the property during the term of the policy, inventory of
damage property (all except a history of all premiums paid to the
insured)
11. All of the following are "obligations" of the insurance
company EXCEPT. - answer-Reasonable malfeasance
