Florida 2-15 Life Insurance Exam Study
Guide 2026 | Complete Questions &
Verified Answers
Description:
Prepare to pass the Florida 2-15 Life
Insurance Exam with confidence! This
comprehensive study guide includes all
updated 2026 questions and verified correct
answers, ensuring a 100% guaranteed pass.
Ideal for aspiring life insurance agents, this
guide covers exam concepts, sample
questions, and detailed explanations to help
you master every topic efficiently.
Keywords:
Florida 2-15 Life Insurance Exam, Life Insurance License Florida, Florida Insurance Exam Study
Guide, 2-15 Exam Questions and Answers, Life Insurance Agent Exam, Florida Insurance License
Prep, 2026 Exam Guide, Guaranteed Pass Insurance Exam, Florida Life Insurance Test
Florida requires that coverage for newborns begins "from the moment of birth" and continues
for ------- ✔ CORRECT ANSWER ✓✓18 months
,Which Accident and Health policy provision addresses preexisting conditions? ------- ✔
CORRECT ANSWER ✓✓Time Limit on Certain Defenses
P is insured under a basic cancer plan. Which of the following conditions would be covered
under this plan? ------- ✔ CORRECT ANSWER ✓✓Operation for a malignant tumor
A primary beneficiary has died before the insured in a life insurance policy. A contingent
beneficiary is also named in the policy. Which of the following will occur when the insured dies?
------- ✔ CORRECT ANSWER ✓✓Proceeds will go to the contingent beneficiary
T is an employee covered under a Group Life policy. If T's employment is terminated, the
conversion privilege gives T the right to convert ------- ✔ CORRECT ANSWER ✓✓to an individual
policy upon employment termination
The minimum age at which a person can sign a life insurance application is ------- ✔ CORRECT
ANSWER ✓✓15 Years
What would be an accurate definition of "controlled business"? ------- ✔ CORRECT ANSWER
✓✓Insurance business that is written on the agent's own life, property, or interests
In Florida, monthly-premium health insurance policies must provide a grace period of at least --
----- ✔ CORRECT ANSWER ✓✓10 Days
Which action could result in a hearing being ordered by the Department of Financial Services? -
------ ✔ CORRECT ANSWER ✓✓Performing insurance transactions without a license
Under Florida law, a variable annuity policyowner must be notified of the accumulated value of
the contract ------- ✔ CORRECT ANSWER ✓✓Once a Year
, What is Florida's definition of Life insurance replacement? ------- ✔ CORRECT ANSWER ✓✓A
transaction in which a new policy is bought and an old policy is terminated
S takes out a health insurance policy which contains a provision that states that the agent does
not have the authority to change the policy or waive any of its provisions. Which health policy
provision is this? ------- ✔ CORRECT ANSWER ✓✓Entire Contract
Every resident agent must have and maintain at their place of business the usual and
customary records pertaining to transactions under their license for at least how long? ------- ✔
CORRECT ANSWER ✓✓5 years
When replacing or exchanging an annuity, the agent must disclose to the annuitant ------- ✔
CORRECT ANSWER ✓✓the possible tax ramifications as a result of the transaction
Which of the following documents must an agent submit to the replacing insurance company
during the replacement of an existing life insurance policy? ------- ✔ CORRECT ANSWER
✓✓Notice to existing and replacing insurers of intention to replace
The Florida Employee Health Care Access Act was established to make ------- ✔ CORRECT
ANSWER ✓✓group health insurance available to employers with up to 50 employees
An example of sliding would be ------- ✔ CORRECT ANSWER ✓✓charging for an additional
product without the applicant's consent
Which of the following employees may NOT be excluded from a group life plan? ------- ✔
CORRECT ANSWER ✓✓Full-time employees after the probationary period
The waiting period for a pre-existing condition under a Medicare Supplement policy may NOT
go beyond ------- ✔ CORRECT ANSWER ✓✓6 Months
, Which of the following situations does NOT apply to the Florida Replacement Rule? ------- ✔
CORRECT ANSWER ✓✓An existing policyholder purchases an additional policy from the same
insurer
Under Florida law, which of the following provisions is NOT required in a Medicare Supplement
policy? ------- ✔ CORRECT ANSWER ✓✓Limitation on pre-existing conditions for up to 12 months
What do Dread Disease policies cover? ------- ✔ CORRECT ANSWER ✓✓A specific disease or
illness
During the course of an insurance transaction, if an agent makes a false or incomplete
statement, he/she could be found guilty of ------- ✔ CORRECT ANSWER ✓✓misrepresentation
What is required in the Florida Employee Health Care Access Act? ------- ✔ CORRECT ANSWER
✓✓Small group benefit plans are to be issued on a "guarantee-issue" basis
Which of the following is NOT considered rebating? ------- ✔ CORRECT ANSWER ✓✓Sharing
commissions with an agent licensed in the same line of business
Which of the following is NOT required on every insurance application sold in Florida? ------- ✔
CORRECT ANSWER ✓✓Address and phone number of the agent
If a policyowner does not pay the premium by the due date, the ------- ✔ CORRECT ANSWER
✓✓policyowner can make the premium payment during the grace period
A foreign insurance company doing business in Florida ------- ✔ CORRECT ANSWER ✓✓is a
company that was formed under the laws of another state
Guide 2026 | Complete Questions &
Verified Answers
Description:
Prepare to pass the Florida 2-15 Life
Insurance Exam with confidence! This
comprehensive study guide includes all
updated 2026 questions and verified correct
answers, ensuring a 100% guaranteed pass.
Ideal for aspiring life insurance agents, this
guide covers exam concepts, sample
questions, and detailed explanations to help
you master every topic efficiently.
Keywords:
Florida 2-15 Life Insurance Exam, Life Insurance License Florida, Florida Insurance Exam Study
Guide, 2-15 Exam Questions and Answers, Life Insurance Agent Exam, Florida Insurance License
Prep, 2026 Exam Guide, Guaranteed Pass Insurance Exam, Florida Life Insurance Test
Florida requires that coverage for newborns begins "from the moment of birth" and continues
for ------- ✔ CORRECT ANSWER ✓✓18 months
,Which Accident and Health policy provision addresses preexisting conditions? ------- ✔
CORRECT ANSWER ✓✓Time Limit on Certain Defenses
P is insured under a basic cancer plan. Which of the following conditions would be covered
under this plan? ------- ✔ CORRECT ANSWER ✓✓Operation for a malignant tumor
A primary beneficiary has died before the insured in a life insurance policy. A contingent
beneficiary is also named in the policy. Which of the following will occur when the insured dies?
------- ✔ CORRECT ANSWER ✓✓Proceeds will go to the contingent beneficiary
T is an employee covered under a Group Life policy. If T's employment is terminated, the
conversion privilege gives T the right to convert ------- ✔ CORRECT ANSWER ✓✓to an individual
policy upon employment termination
The minimum age at which a person can sign a life insurance application is ------- ✔ CORRECT
ANSWER ✓✓15 Years
What would be an accurate definition of "controlled business"? ------- ✔ CORRECT ANSWER
✓✓Insurance business that is written on the agent's own life, property, or interests
In Florida, monthly-premium health insurance policies must provide a grace period of at least --
----- ✔ CORRECT ANSWER ✓✓10 Days
Which action could result in a hearing being ordered by the Department of Financial Services? -
------ ✔ CORRECT ANSWER ✓✓Performing insurance transactions without a license
Under Florida law, a variable annuity policyowner must be notified of the accumulated value of
the contract ------- ✔ CORRECT ANSWER ✓✓Once a Year
, What is Florida's definition of Life insurance replacement? ------- ✔ CORRECT ANSWER ✓✓A
transaction in which a new policy is bought and an old policy is terminated
S takes out a health insurance policy which contains a provision that states that the agent does
not have the authority to change the policy or waive any of its provisions. Which health policy
provision is this? ------- ✔ CORRECT ANSWER ✓✓Entire Contract
Every resident agent must have and maintain at their place of business the usual and
customary records pertaining to transactions under their license for at least how long? ------- ✔
CORRECT ANSWER ✓✓5 years
When replacing or exchanging an annuity, the agent must disclose to the annuitant ------- ✔
CORRECT ANSWER ✓✓the possible tax ramifications as a result of the transaction
Which of the following documents must an agent submit to the replacing insurance company
during the replacement of an existing life insurance policy? ------- ✔ CORRECT ANSWER
✓✓Notice to existing and replacing insurers of intention to replace
The Florida Employee Health Care Access Act was established to make ------- ✔ CORRECT
ANSWER ✓✓group health insurance available to employers with up to 50 employees
An example of sliding would be ------- ✔ CORRECT ANSWER ✓✓charging for an additional
product without the applicant's consent
Which of the following employees may NOT be excluded from a group life plan? ------- ✔
CORRECT ANSWER ✓✓Full-time employees after the probationary period
The waiting period for a pre-existing condition under a Medicare Supplement policy may NOT
go beyond ------- ✔ CORRECT ANSWER ✓✓6 Months
, Which of the following situations does NOT apply to the Florida Replacement Rule? ------- ✔
CORRECT ANSWER ✓✓An existing policyholder purchases an additional policy from the same
insurer
Under Florida law, which of the following provisions is NOT required in a Medicare Supplement
policy? ------- ✔ CORRECT ANSWER ✓✓Limitation on pre-existing conditions for up to 12 months
What do Dread Disease policies cover? ------- ✔ CORRECT ANSWER ✓✓A specific disease or
illness
During the course of an insurance transaction, if an agent makes a false or incomplete
statement, he/she could be found guilty of ------- ✔ CORRECT ANSWER ✓✓misrepresentation
What is required in the Florida Employee Health Care Access Act? ------- ✔ CORRECT ANSWER
✓✓Small group benefit plans are to be issued on a "guarantee-issue" basis
Which of the following is NOT considered rebating? ------- ✔ CORRECT ANSWER ✓✓Sharing
commissions with an agent licensed in the same line of business
Which of the following is NOT required on every insurance application sold in Florida? ------- ✔
CORRECT ANSWER ✓✓Address and phone number of the agent
If a policyowner does not pay the premium by the due date, the ------- ✔ CORRECT ANSWER
✓✓policyowner can make the premium payment during the grace period
A foreign insurance company doing business in Florida ------- ✔ CORRECT ANSWER ✓✓is a
company that was formed under the laws of another state
