2025 FLORIDA LIFE HEALTH AND ANNUITIES 2- 15 450 QUESTIONS AND CORRECT DETAILED ANSWERS UPDATE ALREADY A GRADED|NEW!!

FLORIDA LIFE HEALTH AND ANNUITIES 2-15 g g g g g




REAL EXAM VERIFIED 450 QUESTIONS AND g g g g g




DETAILED CORRECT ANSWERS ALREADY
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Accidentalbodilyinjury provision -ANSWER-Benefitspayablewhen injured by accidental ,
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means
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Accidentaldeath and dismemberment - ANSWER-Aplan specifically foraccidental death or ,
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loss of body parts
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Accidentaldeath benefitrider - ANSWER- Twice (or three times) the benefitwill bepaid if the
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.insured dies in an accident
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Accidentaldismemberment -ANSWER-Loss ofa bodypart-state testactual loss not just ,
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loss of use
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Accidentalmeans provision-ANSWER-Benefitonly paidwhen the insured was not in control ,
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of the accident
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Accidentalresults provision-ANSWER-Benefit paidwhen accidentoccurred because of ,
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any means; it just happened!
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Accidentand health insurance -ANSWER-Coverage foraninsured disabledby accident or
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illness
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Accumulation unit -ANSWER-Purchased bypremiums paidinto variableannuity during the .1 , .1, ,
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annuitants working years
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Acuteillness -ANSWER-The onecategoryofseriousillness where the patientcanfully
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recover
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Adhesion-ANSWER-Where allspecifications offorms, brochures, and contracts are pre-
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approved by the state .1, .1, .1,




Adjustable lifeinsurance -ANSWER-Acombinationtermandwhole lifepolicywhere it is .1, .1, . 1 , ,
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easy to change various factors
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Administrationservicesonly (ASO)-ANSWER-Insurance company insistsonlywiththe .1, ,
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paperwork for self-insureds
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,Admitted insurer -ANSWER-Company approved,authorized, admitted,certifiedtodo .1, .1, ,
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business in the state
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Adult daycare -ANSWER-Where Alzheimers orsimilarpatients can bemonitored and receive
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care during the day
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Adverseselection -ANSWER-poorchoices madeby anunderwriter when selecting risks .1, .1 , .1, .1, ,
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Advertising code-ANSWER-What'sok andwhat's NOT okayinadvertising... found inside the .1, ,
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Unfair Trade Practices Act
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Agency-ANSWER-Anofficeestablished forthe purposeofselling insurance within the state
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Agent-ANSWER-Any licensed person who solicitsinsurance onbehalf ofan insurance
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.company
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Agent'sreport -ANSWER-Part3 ofthe applicationwhere the agententers his/her comments
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regarding the transaction
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Aleatory -ANSWER-Achance/risk for bothofthe parties.It never works outto be equal .1 , .1, .1, ,
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Alieninsurer -ANSWER-Insurance companyislocatedoutside the USA
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Ambulatory surgery -ANSWER-Aneighborhood cliniccommonly lessexpensive than the .1, .1, ,
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costs from a hospital
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Americanagencysystem -ANSWER-the sameastheindependent agency system ,
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Annually renewable term (ART) -ANSWER-Atermpolicywhere thepremium gradually . 1 , .1, .1 , .1, ,
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increases annually by age
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Annuitant -ANSWER-The owner ofanannuity . 1 , .1
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Annuity -ANSWER-Asavings productcreated forthe purpose ofalifetime income -. 1 , .1, .1, ,
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liquidating a sum of money
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Annuity units -ANSWER-The calculated value ofthe payout portionofthe contract ina
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variable annuity
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Anyoccupation -ANSWER-The categoryofwork where the insured isable to perform
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some/any occupation
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Apparentauthority -ANSWER-Basedonwhat the company hasprovided totheir agents - ,
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they can use the material
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, Application-ANSWER-Usedto ask questions toprovide underwriters with ameans of ,
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determining data and risks
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Appointment - ANSWER-Alicensed agent must also beappointed bytheir company in order .1, .1, .1, .1
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to sell insurance
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Approval receipt-ANSWER-Aconditional receipt,which becomes effective only when
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approved by the insurer
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Assessmentmutual insurer -ANSWER-Aninsurer, which assessesother policyholders ,
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when a claim occurs
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Assignment -ANSWER-Apolicycan beassignedto a different owner without approval from .1, .1, .1, ,
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beneficiaries or the insurer
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Attainedage-ANSWER-When converting froma termtowhole lifepolicyand using the
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current age reached
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Authority -ANSWER-Agent receivesexpressed(written), implied(business), apparent
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(what the company has provided)
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Authorized company -ANSWER-seeadmitted company . 1 , .1, ,
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Automatic premiumloan provision -ANSWER-Premium received fromcash value ofa policy .1, .1, .1, .1, ,
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when client can't be found
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Averageindexed monthly earnings (AIME) -ANSWER-Usedinthecalculation ofthe Social
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Security PIA
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Averagemonthly wage(AMW) -ANSWER-Usedincalculating the AIMEaboveenroute to
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obtaining the PIA
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Aviationexclusion -ANSWER-Excluding the client fromcoverage whileflying ifthe client
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is not a fare paying passenger (pilot)
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Backdating -ANSWER-Using anearlier birth dateas the policy effective dateto save age - .1, ,
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backwards up to 6months
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ZoomWords -ANSWER-A listofthe important terms to beunderstood inpreparing for the .1 , ,
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insurance exams
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Yearly RenewableTermInsurance (YRT) -ANSWER-Thesameasannually renewable term
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(ARTs)
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