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215 Florida Laws and Rules | 152 Exam Questions & Answers | Agent Licensing, Medicare, COBRA, Ethics & Insurance Regulations | Florida Insurance Licensing (DFS/OIR)

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This comprehensive study resource contains 152 carefully structured exam-style questions and answers covering the 215 Florida Laws and Rules curriculum for Florida insurance licensing candidates. The material reviews essential concepts including insurance agent appointments and licensing, continuing education requirements, unfair trade practices, policy replacement regulations, insurance contracts, policy provisions, Medicare, COBRA, long-term care insurance, ethics, disciplinary actions, regulatory authorities, consumer protection laws, and Florida insurance statutes. Presented in an easy-to-follow question-and-answer format, this document enables students to reinforce theoretical knowledge while preparing for state licensing examinations. The content aligns with the learning objectives tested on the Florida 2-15 Health & Life (Including Variable Annuity) Agent Licensing Examination administered under the authority of the Florida Department of Financial Services (DFS) and the Office of Insurance Regulation (OIR). It is particularly valuable for mastering statutory requirements, licensing regulations, insurance terminology, compliance obligations, and state-specific insurance laws that frequently appear on licensing exams. The structured revision format supports rapid knowledge retention, self-assessment, and last-minute exam preparation. This document is suitable for: Students preparing for the Florida 2-15 Health & Life (Including Variable Annuity) Agent License Examination Insurance pre-licensing students Health and life insurance agent trainees Insurance compliance professionals Continuing education candidates Insurance instructors and exam tutors References Florida Department of Financial Services. (2025). Florida Insurance Licensing Candidate Handbook. Florida Office of Insurance Regulation. (2025). Florida Insurance Code and Regulatory Information. Pearson VUE. (2025). Florida Insurance Licensing Examinations Candidate Handbook. Keywords 215 Florida Laws and Rules, Florida 2-15 Exam, Florida Insurance Exam, Health and Life Insurance, Insurance Licensing, Florida Department of Financial Services, Office of Insurance Regulation, Agent Licensing, Insurance Regulations, Insurance Law, Insurance Ethics, Continuing Education, Insurance Contracts, Policy Replacement, Medicare, COBRA, Long-Term Care Insurance, Insurance Compliance, Insurance Exam Questions, Practice Questions, Exam Preparation, Consumer Protection, Unfair Trade Practices, Licensing Requirements, Florida Insurance Code

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215 Florida Laws and Rules
2026 Exam Questions and
Answers | Already Graded A+



authority given to an agent to transact business on behalf of the insurer.

No one can act as an insurance agent unless currently licensed by the

department and appointed by the insurer - ANSWER ✔✔Appointment


New appointments will expire __________ on the last day of the

licensee's birth month - ANSWER ✔✔24 months


an appointing entity may terminate its appointment of any appointee at

any time with at least _______ notice - ANSWER ✔✔60 days

,within _______ after terminating the appointment, the entity must file

written notice with the department including the reasons and facts

involved in termination - ANSWER ✔✔30 days


an agent's license will terminate if __________ elapse before being

appointed for the class or classes of insurance listed on the license -

ANSWER ✔✔48 months


an agent needs to follow these guidelines every two years to maintain

their license - ANSWER ✔✔Renewing or maintaining a license

(Continuing education)

an agent needs to follow these guidelines every_________ to maintain

their license - ANSWER ✔✔2 years


_________ of continuing education for every two years for agents

licensed for less than 6 years - ANSWER ✔✔24 hours


__________ of continuing education for agents licensed for more than 6

years - ANSWER ✔✔20 hours


any continuing education must include minimum of ______ in law and

ethics - ANSWER ✔✔4 hours


agents must pay these fees every two years - ANSWER ✔✔License

fees, appointment and renewal fees

, agents must continue to be appointed with an insurance company to

keep their license - ANSWER ✔✔True


any deceptive, fraudulent, or otherwise injurious practices or acts (as to

a consumer) are declared unlawful by statute or recognized as

actionable at common law - ANSWER ✔✔Unfair trade practices


improper avoidance of a claim by the insurer or an attempt to reduce the

size of its claim by engaging in unfair claim practices to reduce costs -

ANSWER ✔✔Unfair claims settlements


insurance companies have to get classified in these three classification

according to the location of its corporation - ANSWER ✔✔Domestic,

foreign, or alien

Regardless of where the insurance company is incorporated, it still has

to get a certificate of authority before transacting insurance within a state

- ANSWER ✔✔true


a company that resides and is incorporated under the laws of the state

which its home office is located. - ANSWER ✔✔Domestic insurance

company




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