Florida General Lines Agent Updated Exam 2026 WITH
Recent Newest Verified And Well Analyzed Exam Questions
(Actual Exam 2026-2027) Correct Detailed & Verified
ANSWERS (100% Accurate Solutions) ALREADY GRADED
A+||NEWEST VERSION Of The Exam Guarantee Pass!!
Which insurance policy provision states that when the insurer broadens coverage
without any additional premiums the benefit would apply to all similar polices?
a.The insurable interest provision
b.The liberalization provision
c.The subrogation provision
d.The appraisal provision - ANSWERS-b
Which insurance policy provision provides a remedy for settling claim disputes between
an insured and insurer but only related to the amount of the settlement and not any
other disputes?
a.The severability provision
b.The subrogation provision
c.The liberalization provision
d.The appraisal provision - ANSWERS-d
Which insurance provision states that insurance coverage would apply individually to all
insureds and the acts of one would not impede the rights of the other insureds?
a.The appraisal provision
b.The insurable interest provision
c.The severability provision
d.The liberalization provision - ANSWERS-c
,A statement of fact that is made part of an insurance contract and a breach would result
in the contract being voidable by the insurer is?
a.A concealment
b.A representation
c.A misrepresentation
d.A warranty - ANSWERS-d
An untrue statement made by an applicant for insurance coverage would be considered
as? - ANSWERS-misrepresentation
Statements made on an application for insurance for insurance coverage shall be
deemed as? - ANSWERS-representations:Note that Florida requires all statements on
an insurance application should be representations and not warranties except for
transportation insurance
An insured's failure to reveal relevant facts known to the insured is considered as? -
ANSWERS-concealment
The following would be legal grounds for an insurer avoidance of performance (prevent
recovery) under an insurance contract except?
a.All would apply
b.Intentional and fraudulent acts by an insured
c.Misrepresentations that are material to the risk being insured
d.Breach of a warranty under transportation insurance that would result in a hazardous
condition and the means of the breach is within the control of the insured - ANSWERS-a
The following are related to the Federal Fair Credit Reporting Act (FCRA) except?
,a.The consumer is required to be provided with information related to the consumer
reporting agency when there is an adverse decision
b.All are related to the FCRA
c.The act requires consumers to be aware of the purpose for a consumer report by
providing written consent to securing a credit report
d.The primary purpose of the act is to set guidelines for consumer reporting agencies
regarding sharing of consumers non-public information - ANSWERS-b
The following are related to the Gramm-Leach-Bliley Act (GLBA) also known as the
Financial Services Modernization Act (FSMA) except?
a.It prohibits Banks and other financial institutions from cross marketing or involvement
in financial products not related to the particular financial institution
b.The act specifies that the privacy notice must contain a customer right of refusal to
share their financial information with non-affiliates and contain the information collected,
the use of the information and where and how the information is shared
c.The act mandated financial institutions to implement policies and procedures to
protect the integrity, confidentiality and privacy regarding the sharing of consumers non-
public personal information
d.The act requires that each consumer be provided with a written privacy notice at the
time the of the relationship and thereafter on an annual basis - ANSWERS-a
The following are related to the Terrorism Risk Insurance Act (TRIA) enacted in 2002
after the terrorist attack on the World Trade Center on 09/11/2001 except?
a.Under the act the Federal government would provide assistance to insurers which
would share in losses due to acts of terrorism and provide that insurers should omit any
exclusions applicable to commercial property policies
b.The act requires property and casualty insurers to offer applicants terrorism coverage
for a period of 2 years and the definition of terrorism must be certified by the Secretary
of State and the Attorney General
c.All are related to the TRIA
, d.The purpose of the act was to allow commercial property insurers to provide terrorism
coverage for insureds whom may be subject to acts of terrorism - ANSWERS-c
The following events (triggers) would require a person to comply with Florida financial
responsibility law after an auto accident except?
a.An accident that result in damage to the auto that render it inoperable
b.All would apply
c.After conviction of a serious traffic violation such as driving under the influence
d.An accident that result in bodily injury - ANSWERS-b
What is the minimum liability limits under Florida financial responsibility law? -
ANSWERS-10/20/10 split limits or $30,000 single limit of liability
What insurance principle acts to place an insured in the same or similar financial
position after a loss as was prior to the loss event?
a.The indemnity principle
b.The waiver principle
c.The principle of utmost good faith
d.The principle of subrogation - ANSWERS-a
What type of contract prevents an insured from transferring the interest of an insurance
policy to another?
a.A personal contract
b.An indemnity contract
c.A subrogation contract
d.A contract of good faith - ANSWERS-a
Recent Newest Verified And Well Analyzed Exam Questions
(Actual Exam 2026-2027) Correct Detailed & Verified
ANSWERS (100% Accurate Solutions) ALREADY GRADED
A+||NEWEST VERSION Of The Exam Guarantee Pass!!
Which insurance policy provision states that when the insurer broadens coverage
without any additional premiums the benefit would apply to all similar polices?
a.The insurable interest provision
b.The liberalization provision
c.The subrogation provision
d.The appraisal provision - ANSWERS-b
Which insurance policy provision provides a remedy for settling claim disputes between
an insured and insurer but only related to the amount of the settlement and not any
other disputes?
a.The severability provision
b.The subrogation provision
c.The liberalization provision
d.The appraisal provision - ANSWERS-d
Which insurance provision states that insurance coverage would apply individually to all
insureds and the acts of one would not impede the rights of the other insureds?
a.The appraisal provision
b.The insurable interest provision
c.The severability provision
d.The liberalization provision - ANSWERS-c
,A statement of fact that is made part of an insurance contract and a breach would result
in the contract being voidable by the insurer is?
a.A concealment
b.A representation
c.A misrepresentation
d.A warranty - ANSWERS-d
An untrue statement made by an applicant for insurance coverage would be considered
as? - ANSWERS-misrepresentation
Statements made on an application for insurance for insurance coverage shall be
deemed as? - ANSWERS-representations:Note that Florida requires all statements on
an insurance application should be representations and not warranties except for
transportation insurance
An insured's failure to reveal relevant facts known to the insured is considered as? -
ANSWERS-concealment
The following would be legal grounds for an insurer avoidance of performance (prevent
recovery) under an insurance contract except?
a.All would apply
b.Intentional and fraudulent acts by an insured
c.Misrepresentations that are material to the risk being insured
d.Breach of a warranty under transportation insurance that would result in a hazardous
condition and the means of the breach is within the control of the insured - ANSWERS-a
The following are related to the Federal Fair Credit Reporting Act (FCRA) except?
,a.The consumer is required to be provided with information related to the consumer
reporting agency when there is an adverse decision
b.All are related to the FCRA
c.The act requires consumers to be aware of the purpose for a consumer report by
providing written consent to securing a credit report
d.The primary purpose of the act is to set guidelines for consumer reporting agencies
regarding sharing of consumers non-public information - ANSWERS-b
The following are related to the Gramm-Leach-Bliley Act (GLBA) also known as the
Financial Services Modernization Act (FSMA) except?
a.It prohibits Banks and other financial institutions from cross marketing or involvement
in financial products not related to the particular financial institution
b.The act specifies that the privacy notice must contain a customer right of refusal to
share their financial information with non-affiliates and contain the information collected,
the use of the information and where and how the information is shared
c.The act mandated financial institutions to implement policies and procedures to
protect the integrity, confidentiality and privacy regarding the sharing of consumers non-
public personal information
d.The act requires that each consumer be provided with a written privacy notice at the
time the of the relationship and thereafter on an annual basis - ANSWERS-a
The following are related to the Terrorism Risk Insurance Act (TRIA) enacted in 2002
after the terrorist attack on the World Trade Center on 09/11/2001 except?
a.Under the act the Federal government would provide assistance to insurers which
would share in losses due to acts of terrorism and provide that insurers should omit any
exclusions applicable to commercial property policies
b.The act requires property and casualty insurers to offer applicants terrorism coverage
for a period of 2 years and the definition of terrorism must be certified by the Secretary
of State and the Attorney General
c.All are related to the TRIA
, d.The purpose of the act was to allow commercial property insurers to provide terrorism
coverage for insureds whom may be subject to acts of terrorism - ANSWERS-c
The following events (triggers) would require a person to comply with Florida financial
responsibility law after an auto accident except?
a.An accident that result in damage to the auto that render it inoperable
b.All would apply
c.After conviction of a serious traffic violation such as driving under the influence
d.An accident that result in bodily injury - ANSWERS-b
What is the minimum liability limits under Florida financial responsibility law? -
ANSWERS-10/20/10 split limits or $30,000 single limit of liability
What insurance principle acts to place an insured in the same or similar financial
position after a loss as was prior to the loss event?
a.The indemnity principle
b.The waiver principle
c.The principle of utmost good faith
d.The principle of subrogation - ANSWERS-a
What type of contract prevents an insured from transferring the interest of an insurance
policy to another?
a.A personal contract
b.An indemnity contract
c.A subrogation contract
d.A contract of good faith - ANSWERS-a
