FLORIDA LIFE AND HEALTH INSURANCE EXAM 2026/2027 |
Version Questions with Detailed Verified Answers &
Rationale | A+ Grade Assured | Pass Guaranteed
Section 1: Florida Insurance Regulatory Framework & Licensing (Questions 1-20)
Question 1
A candidate applying for a Florida resident Life & Health insurance agent license must
complete how many hours of pre-licensing education before sitting for the state
examination?
A. 20 hours
B. 30 hours
C. 40 hours
D. 60 hours
Correct Answer: C. 40 hours [CORRECT]
Rationale: Florida Statute 626.221 requires completion of 40 hours of pre-licensing
education for a combined Life & Health insurance license (20 hours for Life, 20 hours
for Health). Option A represents individual line requirements, while options B and D
exceed statutory requirements. A+ GRADE ASSURED.
Question 2
A licensed Florida insurance agent must complete continuing education (CE) prior to
biennial license renewal. What is the minimum total CE hours required, and how many
must be in law and ethics?
A. 12 hours total; 2 hours law and ethics
B. 24 hours total; 5 hours law and ethics
C. 30 hours total; 10 hours law and ethics
D. 40 hours total; 8 hours law and ethics
Correct Answer: B. 24 hours total; 5 hours law and ethics [CORRECT]
,Rationale: Florida Administrative Code 69B-228.200 requires 24 hours of CE biennially,
including 5 hours specific to Florida insurance law and ethics. Options A, C, and D do
not match Florida's biennial CE mandate. A+ GRADE ASSURED.
Question 3
A Florida insurance agent's license expires on the last day of their birth month. If the
agent fails to renew by the expiration date, what is the maximum late renewal period
before the license is considered expired and requires reapplication?
A. 15 days
B. 30 days
C. 6 months
D. 12 months
Correct Answer: C. 6 months [CORRECT]
Rationale: Florida Statute 626.281 permits a late renewal period of up to 6 months after
expiration with payment of late fees; beyond this period, the license is cancelled and the
agent must reapply. Options A and B are too short, and option D exceeds the statutory
grace period. A+ GRADE ASSURED.
Question 4
Under Florida law, every resident insurance agent applicant must submit fingerprints for
a background check through which authorized vendor system?
A. The FBI Direct Fingerprinting Portal
B. The Florida Department of Law Enforcement (FDLE) and FBI through authorized live
scan vendors
C. Local police department ink card submission only
D. Private investigator background reports
Correct Answer: B. The Florida Department of Law Enforcement (FDLE) and FBI through
authorized live scan vendors [CORRECT]
Rationale: Florida Statute 626.221 requires fingerprint submission through FDLE to the
FBI via authorized live scan vendors for criminal history checks. Options A, C, and D
describe non-compliant or incomplete background check methods. A+ GRADE
ASSURED.
,Question 5
An insurance company appoints a Florida agent to represent its policies. Within how
many days must the insurer report this appointment to the Florida Department of
Financial Services?
A. 15 days
B. 30 days
C. 45 days
D. 60 days
Correct Answer: A. 15 days [CORRECT]
Rationale: Florida Statute 626.221 requires insurers to report agent appointments to the
Department of Financial Services within 15 days. Failure to timely report may result in
administrative penalties. Options B, C, and D exceed the statutory reporting deadline. A+
GRADE ASSURED.
Question 6
An insurer terminates its appointment with a Florida insurance agent due to policy
violations. How many days does the insurer have to notify the Department of Financial
Services of this termination?
A. 10 days
B. 15 days
C. 30 days
D. 45 days
Correct Answer: C. 30 days [CORRECT]
Rationale: Florida Statute 626.221 requires insurers to report terminated appointments
within 30 days. The insurer must also provide written notice to the agent within a
specified timeframe. Options A, B, and D do not match Florida's statutory termination
reporting requirements. A+ GRADE ASSURED.
Question 7
A Florida resident holds a Life & Health insurance license but wishes to sell variable life
insurance and variable annuities. Which additional qualification is required?
A. Only the Life & Health license is sufficient
B. A Florida Variable Contracts license and securities registration (FINRA Series 6 or 7
and Series 63)
, C. A Florida Property & Casualty license
D. A Certified Public Accountant designation
Correct Answer: B. A Florida Variable Contracts license and securities registration
(FINRA Series 6 or 7 and Series 63) [CORRECT]
Rationale: Variable life insurance and variable annuities contain investment components
regulated as securities under Florida Statute 627.455 and require both a Florida Variable
Contracts license and FINRA securities registration (Series 6 or 7, plus Series 63).
Options A, C, and D are insufficient for variable product sales. A+ GRADE ASSURED.
Question 8
A licensed Florida agent moves from Miami to Orlando and changes her residential
address. How many days does she have to notify the Department of Financial Services
of this address change?
A. 10 days
B. 15 days
C. 30 days
D. 60 days
Correct Answer: C. 30 days [CORRECT]
Rationale: Florida Statute 626.281 requires licensees to report address changes to the
Department of Financial Services within 30 days. Maintaining current address
information ensures regulatory compliance and proper delivery of legal notices. Options
A, B, and D do not meet Florida's statutory notification period. A+ GRADE ASSURED.
Question 9
A Florida insurance agent is convicted of a felony involving moral turpitude. Under
Florida insurance law, what is the likely impact on his insurance license?
A. Automatic suspension for 90 days
B. Mandatory revocation or denial of licensure
C. No impact unless the felony involved insurance fraud specifically
D. A fine of $500 only
Correct Answer: B. Mandatory revocation or denial of licensure [CORRECT]
Version Questions with Detailed Verified Answers &
Rationale | A+ Grade Assured | Pass Guaranteed
Section 1: Florida Insurance Regulatory Framework & Licensing (Questions 1-20)
Question 1
A candidate applying for a Florida resident Life & Health insurance agent license must
complete how many hours of pre-licensing education before sitting for the state
examination?
A. 20 hours
B. 30 hours
C. 40 hours
D. 60 hours
Correct Answer: C. 40 hours [CORRECT]
Rationale: Florida Statute 626.221 requires completion of 40 hours of pre-licensing
education for a combined Life & Health insurance license (20 hours for Life, 20 hours
for Health). Option A represents individual line requirements, while options B and D
exceed statutory requirements. A+ GRADE ASSURED.
Question 2
A licensed Florida insurance agent must complete continuing education (CE) prior to
biennial license renewal. What is the minimum total CE hours required, and how many
must be in law and ethics?
A. 12 hours total; 2 hours law and ethics
B. 24 hours total; 5 hours law and ethics
C. 30 hours total; 10 hours law and ethics
D. 40 hours total; 8 hours law and ethics
Correct Answer: B. 24 hours total; 5 hours law and ethics [CORRECT]
,Rationale: Florida Administrative Code 69B-228.200 requires 24 hours of CE biennially,
including 5 hours specific to Florida insurance law and ethics. Options A, C, and D do
not match Florida's biennial CE mandate. A+ GRADE ASSURED.
Question 3
A Florida insurance agent's license expires on the last day of their birth month. If the
agent fails to renew by the expiration date, what is the maximum late renewal period
before the license is considered expired and requires reapplication?
A. 15 days
B. 30 days
C. 6 months
D. 12 months
Correct Answer: C. 6 months [CORRECT]
Rationale: Florida Statute 626.281 permits a late renewal period of up to 6 months after
expiration with payment of late fees; beyond this period, the license is cancelled and the
agent must reapply. Options A and B are too short, and option D exceeds the statutory
grace period. A+ GRADE ASSURED.
Question 4
Under Florida law, every resident insurance agent applicant must submit fingerprints for
a background check through which authorized vendor system?
A. The FBI Direct Fingerprinting Portal
B. The Florida Department of Law Enforcement (FDLE) and FBI through authorized live
scan vendors
C. Local police department ink card submission only
D. Private investigator background reports
Correct Answer: B. The Florida Department of Law Enforcement (FDLE) and FBI through
authorized live scan vendors [CORRECT]
Rationale: Florida Statute 626.221 requires fingerprint submission through FDLE to the
FBI via authorized live scan vendors for criminal history checks. Options A, C, and D
describe non-compliant or incomplete background check methods. A+ GRADE
ASSURED.
,Question 5
An insurance company appoints a Florida agent to represent its policies. Within how
many days must the insurer report this appointment to the Florida Department of
Financial Services?
A. 15 days
B. 30 days
C. 45 days
D. 60 days
Correct Answer: A. 15 days [CORRECT]
Rationale: Florida Statute 626.221 requires insurers to report agent appointments to the
Department of Financial Services within 15 days. Failure to timely report may result in
administrative penalties. Options B, C, and D exceed the statutory reporting deadline. A+
GRADE ASSURED.
Question 6
An insurer terminates its appointment with a Florida insurance agent due to policy
violations. How many days does the insurer have to notify the Department of Financial
Services of this termination?
A. 10 days
B. 15 days
C. 30 days
D. 45 days
Correct Answer: C. 30 days [CORRECT]
Rationale: Florida Statute 626.221 requires insurers to report terminated appointments
within 30 days. The insurer must also provide written notice to the agent within a
specified timeframe. Options A, B, and D do not match Florida's statutory termination
reporting requirements. A+ GRADE ASSURED.
Question 7
A Florida resident holds a Life & Health insurance license but wishes to sell variable life
insurance and variable annuities. Which additional qualification is required?
A. Only the Life & Health license is sufficient
B. A Florida Variable Contracts license and securities registration (FINRA Series 6 or 7
and Series 63)
, C. A Florida Property & Casualty license
D. A Certified Public Accountant designation
Correct Answer: B. A Florida Variable Contracts license and securities registration
(FINRA Series 6 or 7 and Series 63) [CORRECT]
Rationale: Variable life insurance and variable annuities contain investment components
regulated as securities under Florida Statute 627.455 and require both a Florida Variable
Contracts license and FINRA securities registration (Series 6 or 7, plus Series 63).
Options A, C, and D are insufficient for variable product sales. A+ GRADE ASSURED.
Question 8
A licensed Florida agent moves from Miami to Orlando and changes her residential
address. How many days does she have to notify the Department of Financial Services
of this address change?
A. 10 days
B. 15 days
C. 30 days
D. 60 days
Correct Answer: C. 30 days [CORRECT]
Rationale: Florida Statute 626.281 requires licensees to report address changes to the
Department of Financial Services within 30 days. Maintaining current address
information ensures regulatory compliance and proper delivery of legal notices. Options
A, B, and D do not meet Florida's statutory notification period. A+ GRADE ASSURED.
Question 9
A Florida insurance agent is convicted of a felony involving moral turpitude. Under
Florida insurance law, what is the likely impact on his insurance license?
A. Automatic suspension for 90 days
B. Mandatory revocation or denial of licensure
C. No impact unless the felony involved insurance fraud specifically
D. A fine of $500 only
Correct Answer: B. Mandatory revocation or denial of licensure [CORRECT]
