HEALTH INSURANCE FLORIDA PRACTICE
BOARD EVALUATION SCRIPT 2026
SOLVED QUESTIONS GRADED A+
⩥ All of the following are techniques commonly used by insurers in
issuing health insurance policies to substandard risks, EXCEPT?
-Add a waiting period of 6 months
-Charge extra premium
-Attach exclusion or impairment rider or waiver
-Limit the type of policy. Answer: Add a waiting period of 6 months
⩥ All of the following are classifications of applicants for health
insurance, EXCEPT?
-Standard risk
-Preferred risk
-Special risk
-Substandard risk. Answer: Special risk (Explanation:
The classifications of applicants for health insurance are: preferred risk,
standard risk, substandard risk and uninsurable risk.)
⩥ When an insured holds more than one occupation, and occupation is
used to classify the risk, what occupation will the insurer generally use
to classify the insured?
,-Occupation that would produce the lowest premium
-Occupation where insured spends the majority of hours
-Occupation insured has been employed the longest
-Occupation that is most hazardous. Answer: Occupation that is most
hazardous
⩥ Which of the following is NOT a factor affecting health insurance
premiums?
-Marital status
-Sex
-Age
-Hobbies. Answer: Marital status
⩥ With all other factors being equal, who of the following would have
the highest premiums for a health insurance policy?
-25 year old female
-45 year old male
-25 year old male
-45 year old female. Answer: 45 year old female (Explanation:
Health insurance costs tend to increase as the age of the insured
increases. The older the insured, the higher the applicable premium rate.
Disabilities among women under the age of 55, on the average, have a
greater frequency and longer duration than among men, so female
,premium rates for certain coverages are higher than premium rates for
males.)
⩥ Both life and health insurance use all of the following factors in
determine premiums, EXCEPT?
-Interest factor
-Expense factor
-Morbidity
-Age. Answer: Morbidity
⩥ An insurer authorized to do business within this state is considered
what type of insurer?
A) Foreign
B) Domestic
C) Admitted
D) Certified. Answer: Admitted
(An insurer authorized to do business in this state is referred to as
admitted, and could be either domestic, foreign, or alien domiciled.)
⩥ Charging different rates or providing different benefits to insureds of
the same actuarial class or hazard category is which of the following?
A) Sliding
, B) Unfair discrimination
C) Fictitious grouping
D) Defamation. Answer: Unfair discrimination
(Unfair discrimination is knowingly making or permitting individuals of
the same actuarially supportable class and equal expectation of life to be
charged different rates, paid different dividends or have different
terms/conditions regarding any life insurance contract.)
⩥ A bank or credit union will not give a loan unless the borrower buys
insurance from a specific company. This is known as?
A) Misrepresentation
B) Rebating
C) Churning
D) Coercion. Answer: Coercion
(It is an unfair trade practice to enter into any agreement to commit, any
act of boycott, coercion, or intimidation resulting in an unreasonable
restraint of, or monopoly in, the business of insurance.)
⩥ An agent may have no more than ________ of his total business
within a 12-month period be from controlled business.
A) 25%
B) 35%
BOARD EVALUATION SCRIPT 2026
SOLVED QUESTIONS GRADED A+
⩥ All of the following are techniques commonly used by insurers in
issuing health insurance policies to substandard risks, EXCEPT?
-Add a waiting period of 6 months
-Charge extra premium
-Attach exclusion or impairment rider or waiver
-Limit the type of policy. Answer: Add a waiting period of 6 months
⩥ All of the following are classifications of applicants for health
insurance, EXCEPT?
-Standard risk
-Preferred risk
-Special risk
-Substandard risk. Answer: Special risk (Explanation:
The classifications of applicants for health insurance are: preferred risk,
standard risk, substandard risk and uninsurable risk.)
⩥ When an insured holds more than one occupation, and occupation is
used to classify the risk, what occupation will the insurer generally use
to classify the insured?
,-Occupation that would produce the lowest premium
-Occupation where insured spends the majority of hours
-Occupation insured has been employed the longest
-Occupation that is most hazardous. Answer: Occupation that is most
hazardous
⩥ Which of the following is NOT a factor affecting health insurance
premiums?
-Marital status
-Sex
-Age
-Hobbies. Answer: Marital status
⩥ With all other factors being equal, who of the following would have
the highest premiums for a health insurance policy?
-25 year old female
-45 year old male
-25 year old male
-45 year old female. Answer: 45 year old female (Explanation:
Health insurance costs tend to increase as the age of the insured
increases. The older the insured, the higher the applicable premium rate.
Disabilities among women under the age of 55, on the average, have a
greater frequency and longer duration than among men, so female
,premium rates for certain coverages are higher than premium rates for
males.)
⩥ Both life and health insurance use all of the following factors in
determine premiums, EXCEPT?
-Interest factor
-Expense factor
-Morbidity
-Age. Answer: Morbidity
⩥ An insurer authorized to do business within this state is considered
what type of insurer?
A) Foreign
B) Domestic
C) Admitted
D) Certified. Answer: Admitted
(An insurer authorized to do business in this state is referred to as
admitted, and could be either domestic, foreign, or alien domiciled.)
⩥ Charging different rates or providing different benefits to insureds of
the same actuarial class or hazard category is which of the following?
A) Sliding
, B) Unfair discrimination
C) Fictitious grouping
D) Defamation. Answer: Unfair discrimination
(Unfair discrimination is knowingly making or permitting individuals of
the same actuarially supportable class and equal expectation of life to be
charged different rates, paid different dividends or have different
terms/conditions regarding any life insurance contract.)
⩥ A bank or credit union will not give a loan unless the borrower buys
insurance from a specific company. This is known as?
A) Misrepresentation
B) Rebating
C) Churning
D) Coercion. Answer: Coercion
(It is an unfair trade practice to enter into any agreement to commit, any
act of boycott, coercion, or intimidation resulting in an unreasonable
restraint of, or monopoly in, the business of insurance.)
⩥ An agent may have no more than ________ of his total business
within a 12-month period be from controlled business.
A) 25%
B) 35%
