FLORIDA HEALTH INSURANCE EXAM
QUESTIONS WITH CORRECT
ANSWERS GRADED A+ FOR 2026-
2027 ASSURED EXCEL!!
Accidentm-mmCORRECTmANSWERS-
Anmunplanned,munforeseenmeventmwhichmoccursmsuddenlymandmatmanmunspecifiedmplace
AccidentmInsurancem-mmCORRECTmANSWERS-
Amtypemofminsurancemthatmprotectsmtheminsuredmagainstmlossmduemtomaccidentalmbodilyminjury
AccidentalmBodilymInjurym-mmCORRECTmANSWERS-
Unplanned,munforeseenmtraumaticminjurymtomthembody
AccidentalmDeathmandmDismembermentm-mmCORRECTmANSWERS-
Anminsurancempolicymwhichmpaysmamspecifiedmamountmormamspecifiedmmultiplemofmtheminsured'smb
enefitmifmtheminsuredmdies,mlosesmhis/hermsight,mormlosesmtwomlimbsmduemtomanmaccident
AccidentalmDeathmBenefitsm-mmCORRECTmANSWERS-
Ampolicymridermthatmstatesmthatmthemcausemofmdeathmwillmbemanalyzedmtomdeterminemifmitmcomplies
mwithmthempolicymdescriptionmofmaccidentalmdeath
ActivitiesmofmDailymLivingm-mmCORRECTmANSWERS-
Activitiesmindividualsmmustmdomeverymdaymsuchmasmmovingmabout,mgettingmdressed,meating,mbathi
ng,metc.
ActualmChargem-mmCORRECTmANSWERS-
Themamountmamphysicianmormsuppliermactuallymbillsmformamparticularmservicemormsupply
, Adhesionm-mmCORRECTmANSWERS-Amcontractmofferedmonmam"take-it-or-leave-
it"mbasismbymanminsurer,minmwhichmtheminsured'smonlymoptionmismtomacceptmormrejectmthemcontract.m
Anymambiguitiesminmthemcontractmwillmbemsettledminmfavormofmtheminsured
Admittedm(Authorized)mInsurerm-mmCORRECTmANSWERS-
Anminsurancemcompanymauthorizedmandmlicensedmtomtransactminsuranceminmamparticularmstate
AdultmDaymCarem-mmCORRECTmANSWERS-
Amprogrammformimpairedmadultsmthatmattemptsmtommeetmtheirmhealth,msocial,mandmfunctionalmnee
dsminmamsettingmawaymfrommtheirmhomes
AdversemSelectionm-mmCORRECTmANSWERS-
Themtendencymofmrisksmwithmhighermprobabilitymofmlossmtompurchasemandmmaintainminsurancemmo
remoftenmthanmthemrisksmwhompresentmlowermprobability
Agentm-mmCORRECTmANSWERS-
Anmindividualmwhomismlicensedmtomsell,mnegotiate,mormeffectminsurancemcontractsmonmbehalfmofmthe
minsurer
Aleatorym-mmCORRECTmANSWERS-
Amcontractminmwhichmparticipatingmpartiesmexchangemunequalmamounts.mInsurancemcontractsmarem
thisminmthatmthemamountmtheminsuredmwillmpayminmpremiumsmismunequalmtomthemamountmtheminsur
ermwillmpayminmthemeventmofmamloss
AlienmInsurerm-mmCORRECTmANSWERS-
AnminsurancemcompanymthatmismincorporatedmoutsidemthemUSA
ApparentmAuthoritym-mmCORRECTmANSWERS-
Themappearancemormthemassumptionmofmauthoritymbasedmonmthemactions,mwords,mormdeedsmofmth
emprincipalmormbecausemofmcircumstancesmthemprincipalmcreated
QUESTIONS WITH CORRECT
ANSWERS GRADED A+ FOR 2026-
2027 ASSURED EXCEL!!
Accidentm-mmCORRECTmANSWERS-
Anmunplanned,munforeseenmeventmwhichmoccursmsuddenlymandmatmanmunspecifiedmplace
AccidentmInsurancem-mmCORRECTmANSWERS-
Amtypemofminsurancemthatmprotectsmtheminsuredmagainstmlossmduemtomaccidentalmbodilyminjury
AccidentalmBodilymInjurym-mmCORRECTmANSWERS-
Unplanned,munforeseenmtraumaticminjurymtomthembody
AccidentalmDeathmandmDismembermentm-mmCORRECTmANSWERS-
Anminsurancempolicymwhichmpaysmamspecifiedmamountmormamspecifiedmmultiplemofmtheminsured'smb
enefitmifmtheminsuredmdies,mlosesmhis/hermsight,mormlosesmtwomlimbsmduemtomanmaccident
AccidentalmDeathmBenefitsm-mmCORRECTmANSWERS-
Ampolicymridermthatmstatesmthatmthemcausemofmdeathmwillmbemanalyzedmtomdeterminemifmitmcomplies
mwithmthempolicymdescriptionmofmaccidentalmdeath
ActivitiesmofmDailymLivingm-mmCORRECTmANSWERS-
Activitiesmindividualsmmustmdomeverymdaymsuchmasmmovingmabout,mgettingmdressed,meating,mbathi
ng,metc.
ActualmChargem-mmCORRECTmANSWERS-
Themamountmamphysicianmormsuppliermactuallymbillsmformamparticularmservicemormsupply
, Adhesionm-mmCORRECTmANSWERS-Amcontractmofferedmonmam"take-it-or-leave-
it"mbasismbymanminsurer,minmwhichmtheminsured'smonlymoptionmismtomacceptmormrejectmthemcontract.m
Anymambiguitiesminmthemcontractmwillmbemsettledminmfavormofmtheminsured
Admittedm(Authorized)mInsurerm-mmCORRECTmANSWERS-
Anminsurancemcompanymauthorizedmandmlicensedmtomtransactminsuranceminmamparticularmstate
AdultmDaymCarem-mmCORRECTmANSWERS-
Amprogrammformimpairedmadultsmthatmattemptsmtommeetmtheirmhealth,msocial,mandmfunctionalmnee
dsminmamsettingmawaymfrommtheirmhomes
AdversemSelectionm-mmCORRECTmANSWERS-
Themtendencymofmrisksmwithmhighermprobabilitymofmlossmtompurchasemandmmaintainminsurancemmo
remoftenmthanmthemrisksmwhompresentmlowermprobability
Agentm-mmCORRECTmANSWERS-
Anmindividualmwhomismlicensedmtomsell,mnegotiate,mormeffectminsurancemcontractsmonmbehalfmofmthe
minsurer
Aleatorym-mmCORRECTmANSWERS-
Amcontractminmwhichmparticipatingmpartiesmexchangemunequalmamounts.mInsurancemcontractsmarem
thisminmthatmthemamountmtheminsuredmwillmpayminmpremiumsmismunequalmtomthemamountmtheminsur
ermwillmpayminmthemeventmofmamloss
AlienmInsurerm-mmCORRECTmANSWERS-
AnminsurancemcompanymthatmismincorporatedmoutsidemthemUSA
ApparentmAuthoritym-mmCORRECTmANSWERS-
Themappearancemormthemassumptionmofmauthoritymbasedmonmthemactions,mwords,mormdeedsmofmth
emprincipalmormbecausemofmcircumstancesmthemprincipalmcreated