Health Insurance Florida 2-40 Practice
Exam Questions 1 2025/2026 Exam All
Answers and Illustrations Given
Which of the following laws requires an insurer to notify an applicant in
writing that an investigative consumer report may be made on the
applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau Disclosure Act
-Fair Credit Reporting Act (Insurance Information and Privacy Protection
Act) - 🧠 ANSWER ✔✔Fair Credit Reporting Act (Insurance Information and
Privacy Protection Act)
Group health insurance specifies that what percentage of eligible
individuals MUST be offered coverage under a noncontributory plan?
-25
-50
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
1
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,-75
-100 - 🧠 ANSWER ✔✔100
Under an Accidental Death and Dismemberment (AD&D) policy, insurable
interest must exist at which of the following times?
-When a change of beneficiary is requested
-At the inception of the policy
-When a beneficiary other than a relative is named
-At the time a claim is submitted - 🧠 ANSWER ✔✔At the inception of the
policy
When periodic claim payments are required under a long-term disability
income policy, an insurer MUST make payments to an insured at least
once every:
-month
-three months
-six months
-year - 🧠 ANSWER ✔✔month
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
2
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, M and N own a small interior design studio that employs six people. The
owners are concerned about the financial continuation of the business if
either of them should become permanently disabled. In this situation, a
producer would MOST likely recommend which of the following types of
contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income - 🧠 ANSWER ✔✔Disability Buy-Out
Which of the following health policies requires a beneficiary designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care - 🧠 ANSWER ✔✔Travel Accident
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
-Extensions of coverage
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
3
PRIVACY STATEMENT. ALL RIGHTS RESERVED
Exam Questions 1 2025/2026 Exam All
Answers and Illustrations Given
Which of the following laws requires an insurer to notify an applicant in
writing that an investigative consumer report may be made on the
applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau Disclosure Act
-Fair Credit Reporting Act (Insurance Information and Privacy Protection
Act) - 🧠 ANSWER ✔✔Fair Credit Reporting Act (Insurance Information and
Privacy Protection Act)
Group health insurance specifies that what percentage of eligible
individuals MUST be offered coverage under a noncontributory plan?
-25
-50
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
1
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,-75
-100 - 🧠 ANSWER ✔✔100
Under an Accidental Death and Dismemberment (AD&D) policy, insurable
interest must exist at which of the following times?
-When a change of beneficiary is requested
-At the inception of the policy
-When a beneficiary other than a relative is named
-At the time a claim is submitted - 🧠 ANSWER ✔✔At the inception of the
policy
When periodic claim payments are required under a long-term disability
income policy, an insurer MUST make payments to an insured at least
once every:
-month
-three months
-six months
-year - 🧠 ANSWER ✔✔month
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
2
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, M and N own a small interior design studio that employs six people. The
owners are concerned about the financial continuation of the business if
either of them should become permanently disabled. In this situation, a
producer would MOST likely recommend which of the following types of
contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income - 🧠 ANSWER ✔✔Disability Buy-Out
Which of the following health policies requires a beneficiary designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care - 🧠 ANSWER ✔✔Travel Accident
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in
which of the following policy features?
-Extensions of coverage
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
3
PRIVACY STATEMENT. ALL RIGHTS RESERVED
