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FLORIDA HEALTH AND LIFE INSURANCE EXAM 2025 AND PRACTICE EXAM TEST BANK | 200 ACCURATE REAL EXAM QUESTIONS WITH VERIFIED ANSWERS | ACCURATE FOR GUARANTEED PASS | GRADED A | LATEST UPDATE

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FLORIDA HEALTH AND LIFE INSURANCE EXAM 2025 AND PRACTICE EXAM TEST BANK | 200 ACCURATE REAL EXAM QUESTIONS WITH VERIFIED ANSWERS | ACCURATE FOR GUARANTEED PASS | GRADED A | LATEST UPDATE The receipt given to a life insurance applicant when the application is completed and the initial premium is received. Answer: Representations Statements in the application for insurance that are believed to be true to the best of the applicant's knowledge. Answer: Fixed Annuity An annuity is considered fixed when it provides the annuitant with an interest rate that is lesser of the guaranteed or current rate. Answer: Continuous Premium (straight) life The most common type of whole life insurance where premiums are payable over the whole life of the insured to age 100. Answer: Entire contract The policy and a copy of the application, along with any riders and amendments. Answer: Not taxable Money borrowed from the policy's cash value. Answer: Annuity products All annuities (Variable, Deferred & Equity Indexed) require an agent to hold a securities license. Answer: Life income annuity This type of annuity settlement stops when the annuitant dies. Answer: 59 1/2 The age at which a participant can receive distributions from a qualified plan without incurring a 10% penalty. Answer: Buy-Sell Agreement A contract that allows the surviving partner to use the death benefit to purchase the deceased's business interests. Answer: Adjustable Life Policy allowing changes to coverage and premiums. Answer: Beneficiary Payment Receives cash value or premiums paid if annuitant dies. Answer: Non-Admitted Insurer not approved to operate in a state. Answer: Insurable Interest Requirement to prevent profit from loss. Answer: Age Misstatement Adjustment Insurer adjusts death benefit based on paid premiums. Answer: Policy Exclusions Allows denial of coverage for war-related incidents. Answer: Group Life Insurance

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FLORIDA HEALTH AND LIFE INSURANCE
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Uploaded on
August 14, 2025
Number of pages
27
Written in
2025/2026
Type
Exam (elaborations)
Contains
Questions & answers

Subjects

  • questions ans florida h
  • florida health and life insurance exam 2025
  • florida health and life insurance exam
  • test bank florida health and life insurance exam
  • 2025 florida health and life insurance exam

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