FLORIDA 240 HEALTH INSURANCE LICENSE EXAM –
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
Florida 240 Health Insurance License Exam – Florida Insurance
Licensing 2026/2027 Exams of Nursing
Which of the following laws requires an insurer to notify an applicant in writing that an investigative
consumer report may be made on the applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau Disclosure Act
-Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Group health insurance specifies that what percentage of eligible individuals MUST be offered coverage
under a noncontributory plan?
-25
-50
-75
-100
100
Under an Accidental Death and Dismemberment (AD&D) policy, insurable interest must exist at which of
the following times?
-When a change of beneficiary is requested
-At the inception of the policy
3/17/2026
-When a beneficiary other than a relative is named
-At the time a claim is submitted
1
, FLORIDA 240 HEALTH INSURANCE LICENSE EXAM –
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
At the inception of the policy
When periodic claim payments are required under a long-term disability income policy, an insurer MUST
make payments to an insured at least once every:
-month
-three months
-six months
-year
month
M and N own a small interior design studio that employs six people. The owners are concerned about
the financial continuation of the business if either of them should become permanently disabled. In this
situation, a producer would MOST likely recommend which of the following types of contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income
Disability Buy-Out
Which of the following health policies requires a beneficiary designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care
3/17/2026
Travel Accident
2
, FLORIDA 240 HEALTH INSURANCE LICENSE EXAM –
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of the following policy
features?
-Extensions of coverage
-Benefits clause
-Riders
-Exclusions
Exclusions
An insured whose Disability Income policy contains a Change of Occupation clause takes a new job in a
more hazardous occupation and fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the following actions?
-Cancel the policy and refund one year's premiums
-Settle the claim according to what the premiums would have purchased under the more hazardous
occupation
-Pay the claim in full and then cancel the policy
-Pay the claim after deducting an extra one-year premium payment
Settle the claim according to what the premiums would have purchased under the more hazardous
occupation
Which of the following definitions of disability would cover a permanent partial disability?
-Own occupation
-Any occupation
-Residual disability
3/17/2026
-Presumptive disability
Residual disability
3
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
Florida 240 Health Insurance License Exam – Florida Insurance
Licensing 2026/2027 Exams of Nursing
Which of the following laws requires an insurer to notify an applicant in writing that an investigative
consumer report may be made on the applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau Disclosure Act
-Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
Group health insurance specifies that what percentage of eligible individuals MUST be offered coverage
under a noncontributory plan?
-25
-50
-75
-100
100
Under an Accidental Death and Dismemberment (AD&D) policy, insurable interest must exist at which of
the following times?
-When a change of beneficiary is requested
-At the inception of the policy
3/17/2026
-When a beneficiary other than a relative is named
-At the time a claim is submitted
1
, FLORIDA 240 HEALTH INSURANCE LICENSE EXAM –
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
At the inception of the policy
When periodic claim payments are required under a long-term disability income policy, an insurer MUST
make payments to an insured at least once every:
-month
-three months
-six months
-year
month
M and N own a small interior design studio that employs six people. The owners are concerned about
the financial continuation of the business if either of them should become permanently disabled. In this
situation, a producer would MOST likely recommend which of the following types of contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income
Disability Buy-Out
Which of the following health policies requires a beneficiary designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care
3/17/2026
Travel Accident
2
, FLORIDA 240 HEALTH INSURANCE LICENSE EXAM –
FLORIDA INSURANCE LICENSING 2026/2027 EXAMS OF 03/17/2026
NURSING
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of the following policy
features?
-Extensions of coverage
-Benefits clause
-Riders
-Exclusions
Exclusions
An insured whose Disability Income policy contains a Change of Occupation clause takes a new job in a
more hazardous occupation and fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the following actions?
-Cancel the policy and refund one year's premiums
-Settle the claim according to what the premiums would have purchased under the more hazardous
occupation
-Pay the claim in full and then cancel the policy
-Pay the claim after deducting an extra one-year premium payment
Settle the claim according to what the premiums would have purchased under the more hazardous
occupation
Which of the following definitions of disability would cover a permanent partial disability?
-Own occupation
-Any occupation
-Residual disability
3/17/2026
-Presumptive disability
Residual disability
3
