Florida Health And Life Insurance State
Exam Practice Part 1 Questions And
Answers.
Which dAccident dand dHealth dpolicy dprovision daddresses dpreexisting dconditions? d-
dcorrect danswer. d d d dTime dLimit don dCertain dDefenses
Which dof dthe dfollowing dindividual dhealth dinsurance dpolicies dwill dprovide dthe dbroadest
dprotection? d- dcorrect danswer. d d d dMajor dMedical
Which dof dthe dfollowing dsituations ddoes dNOT dapply dto dthe dFlorida dReplacement dRule? d-
dcorrect danswer. d d d dAn dexisting dpolicyholder dpurchases dan dadditional dpolicy dfrom dthe
dsame dinsurer
Agent dJ dtakes dan dapplication dand dinitial dpremium dfrom dan dapplicant dand dsends dthe
dapplication dand dpremium dcheck dto dthe dinsurance dcompany. dThe dinsurance dcompany
dreturns dthe dcheck dback dto dJ dbecause dthe dcheck dis dmade dout dto dJ dinstead dof dthe
dinsurance dcompany. dWhat daction dshould dJ dtake? d- dcorrect danswer. d d d dReturn dto dthe
dcustomer, dcollect da dnew dcheck dmade dout dto dthe dinsurance dcompany, dand dsend dthe
dnew dcheck dout dto dthe dinsurance dcompany
Under dwhich dof dthe dfollowing dcircumstances dwill dthe dbenefits dunder dCOBRA
dcontinuation dcoverage dend? d- dcorrect danswer. d d d dAll dgroup dhealth dplans dare dterminated
dby dthe demployer
Which dtype dof drenewability dbest ddescribes da dDisability dIncome dpolicy dthat dcovers dan
dindividual duntil dthe dage dof d65, dbut dthe dinsurer dhas dthe dright dto dchange dthe dpremium drate
dfor dthe doverall drisk dclass? d- dcorrect danswer. d d d dGarunteed dRenewable
An dincomplete dlife dinsurance dapplication dsubmitted dto dan dinsurer dwill dresult din dwhich dof
dthese dactions? d- dcorrect danswer. d d d dApplication dwill dbe dreturned dto dthe dwritting dagent
The dwaiting dperiod dfor da dpre-existing dcondition dunder da dMedicare dSupplement dpolicy
dmay dNOT dgo dbeyond d- dcorrect danswer. d d d d6 dMonths
, Which dof dthese dstatements dis dINCORRECT dregarding dthe dfederal dincome dtax dtreatment
dof dlife dinsurance? d- dcorrect danswer. d d d dEntire dcash dsurrender dvalue dis dtaxable
Which dof dthese dis dconsidered da dmandatory dprovision? d- dcorrect danswer. d d d dPayment dof
dClaims
Which dof dthe dfollowing dactions dwill dan dinsurance dcompany dmost dlikely dNOT dtake dif dan
dapplicant, dwho dhas ddiabetes, dapplies dfor da dDisability dIncome dpolicy? d- dcorrect danswer. d
d d dIssue dthe dpolicy dwith dan daltered dTime dof dPayment dof dClaims dprovision
Which dof dthe dfollowing dphrases drefers dto dthe dfees dcharged dby da dhealthcare
dprofessional? d- dcorrect danswer. d d d dUsual, dcustomary, dand dreasonable dexpenses
D dwas dactively dserving din dthe dMarines dwhen dhe dwas dkilled din dan dautomobile daccident
dwhile don dleave. dHis d$100,000 dWhole dlife dpolicy dcontains da dWar dExclusion dclause. dHow
dmuch dwill dD's dbeneficiary's dreceive? d- dcorrect danswer. d d d dThe dfull dface damount
N dis dcovered dunder dan dindividual dDisability dpolicy dwith da d30-day dElimination dperiod dand
da dmonthly dbenefit dof d$500. dN dis dtotally ddisabled dfor d3 d1/2 dmonths. dN's dtotal dbenefit
dreceived don dthis dclaim dis: d- dcorrect danswer. d d d d$1,250
No dbenefits dare davailable dduring dthe delimination dperiod.
Who ddoes dan dagent drepresent dduring dthe dsolicitation dor dinsurance? d- dcorrect danswer. d d d
dThe dinsurance dcompany
Which dof dthe dfollowing dcosts dwould da dBasic dHospital/Surgical dpolicy dlikely dcover? d-
dcorrect danswer. d d d dSugically dremoving da dfacial dbirthmark
The dfederal dincome dtax dtreatment dof demployer-provided dgroup dMedical dExpense
dinsurance dcan dbe daccurately ddescribed das: d- dcorrect danswer. d d d dEmployee's dpremiums
dpaid dby dthe demployer dis dtax-deductible dto dthe demployer das da dbusiness dexpenditure
Premiums dpaid dby dan demployer dfor dan demployee's dcoverage dare ddeductible dby dthe
demployer das da dbuisness dexpense
What dmust dthe dpolicyowner dprovide dto dthe dinsurer dfor dvalidation dthat da dloss dhas
doccurred? d- dcorrect danswer. d d d dproof dof dloss
Association dPlans dthat dare ddesigned dto dprovide dhealth dbenefits dto dtheir dmembers dare
dregulated dby dthe dstate dbecause d- dcorrect danswer. d d d dThey dare dinsured dby dand
dauthorized dinsurer
Which dof dthe dfollowing dstatements dis dCORRECT dabout dthe dperiod din dwhich da dTerm
dPolicy dcan dbe dconverted? d- dcorrect danswer. d d d dIt dvaries daccording dto dcontracts
Exam Practice Part 1 Questions And
Answers.
Which dAccident dand dHealth dpolicy dprovision daddresses dpreexisting dconditions? d-
dcorrect danswer. d d d dTime dLimit don dCertain dDefenses
Which dof dthe dfollowing dindividual dhealth dinsurance dpolicies dwill dprovide dthe dbroadest
dprotection? d- dcorrect danswer. d d d dMajor dMedical
Which dof dthe dfollowing dsituations ddoes dNOT dapply dto dthe dFlorida dReplacement dRule? d-
dcorrect danswer. d d d dAn dexisting dpolicyholder dpurchases dan dadditional dpolicy dfrom dthe
dsame dinsurer
Agent dJ dtakes dan dapplication dand dinitial dpremium dfrom dan dapplicant dand dsends dthe
dapplication dand dpremium dcheck dto dthe dinsurance dcompany. dThe dinsurance dcompany
dreturns dthe dcheck dback dto dJ dbecause dthe dcheck dis dmade dout dto dJ dinstead dof dthe
dinsurance dcompany. dWhat daction dshould dJ dtake? d- dcorrect danswer. d d d dReturn dto dthe
dcustomer, dcollect da dnew dcheck dmade dout dto dthe dinsurance dcompany, dand dsend dthe
dnew dcheck dout dto dthe dinsurance dcompany
Under dwhich dof dthe dfollowing dcircumstances dwill dthe dbenefits dunder dCOBRA
dcontinuation dcoverage dend? d- dcorrect danswer. d d d dAll dgroup dhealth dplans dare dterminated
dby dthe demployer
Which dtype dof drenewability dbest ddescribes da dDisability dIncome dpolicy dthat dcovers dan
dindividual duntil dthe dage dof d65, dbut dthe dinsurer dhas dthe dright dto dchange dthe dpremium drate
dfor dthe doverall drisk dclass? d- dcorrect danswer. d d d dGarunteed dRenewable
An dincomplete dlife dinsurance dapplication dsubmitted dto dan dinsurer dwill dresult din dwhich dof
dthese dactions? d- dcorrect danswer. d d d dApplication dwill dbe dreturned dto dthe dwritting dagent
The dwaiting dperiod dfor da dpre-existing dcondition dunder da dMedicare dSupplement dpolicy
dmay dNOT dgo dbeyond d- dcorrect danswer. d d d d6 dMonths
, Which dof dthese dstatements dis dINCORRECT dregarding dthe dfederal dincome dtax dtreatment
dof dlife dinsurance? d- dcorrect danswer. d d d dEntire dcash dsurrender dvalue dis dtaxable
Which dof dthese dis dconsidered da dmandatory dprovision? d- dcorrect danswer. d d d dPayment dof
dClaims
Which dof dthe dfollowing dactions dwill dan dinsurance dcompany dmost dlikely dNOT dtake dif dan
dapplicant, dwho dhas ddiabetes, dapplies dfor da dDisability dIncome dpolicy? d- dcorrect danswer. d
d d dIssue dthe dpolicy dwith dan daltered dTime dof dPayment dof dClaims dprovision
Which dof dthe dfollowing dphrases drefers dto dthe dfees dcharged dby da dhealthcare
dprofessional? d- dcorrect danswer. d d d dUsual, dcustomary, dand dreasonable dexpenses
D dwas dactively dserving din dthe dMarines dwhen dhe dwas dkilled din dan dautomobile daccident
dwhile don dleave. dHis d$100,000 dWhole dlife dpolicy dcontains da dWar dExclusion dclause. dHow
dmuch dwill dD's dbeneficiary's dreceive? d- dcorrect danswer. d d d dThe dfull dface damount
N dis dcovered dunder dan dindividual dDisability dpolicy dwith da d30-day dElimination dperiod dand
da dmonthly dbenefit dof d$500. dN dis dtotally ddisabled dfor d3 d1/2 dmonths. dN's dtotal dbenefit
dreceived don dthis dclaim dis: d- dcorrect danswer. d d d d$1,250
No dbenefits dare davailable dduring dthe delimination dperiod.
Who ddoes dan dagent drepresent dduring dthe dsolicitation dor dinsurance? d- dcorrect danswer. d d d
dThe dinsurance dcompany
Which dof dthe dfollowing dcosts dwould da dBasic dHospital/Surgical dpolicy dlikely dcover? d-
dcorrect danswer. d d d dSugically dremoving da dfacial dbirthmark
The dfederal dincome dtax dtreatment dof demployer-provided dgroup dMedical dExpense
dinsurance dcan dbe daccurately ddescribed das: d- dcorrect danswer. d d d dEmployee's dpremiums
dpaid dby dthe demployer dis dtax-deductible dto dthe demployer das da dbusiness dexpenditure
Premiums dpaid dby dan demployer dfor dan demployee's dcoverage dare ddeductible dby dthe
demployer das da dbuisness dexpense
What dmust dthe dpolicyowner dprovide dto dthe dinsurer dfor dvalidation dthat da dloss dhas
doccurred? d- dcorrect danswer. d d d dproof dof dloss
Association dPlans dthat dare ddesigned dto dprovide dhealth dbenefits dto dtheir dmembers dare
dregulated dby dthe dstate dbecause d- dcorrect danswer. d d d dThey dare dinsured dby dand
dauthorized dinsurer
Which dof dthe dfollowing dstatements dis dCORRECT dabout dthe dperiod din dwhich da dTerm
dPolicy dcan dbe dconverted? d- dcorrect danswer. d d d dIt dvaries daccording dto dcontracts
