FLORIDA 2-20 AGENT’S LICENSE FINAL EXAM NEWEST 2026 ACTUAL EXAM QUESTIONS AND ANSWERS
Types Of Property Policies - %
Property Insurance Terms And Related Concepts - %
Property Policy Provisions And Contract Law - %
Types Of Casualty Policies, Bonds, And Related Terms - %
Casualty Insurance Terms And Related Concepts - %
Casualty Policy Provisions - %
Florida Statutes, Rules, And Regulations Common To All Lines - %
Florida Statutes, Rules And Regulations Pertinent To General Lines Insurance - %
Florida Statutes, Rules And Regulations Pertinent To Health Insurance - % ✔️Types Of Property Policies - 16%
Property Insurance Terms And Related Concepts - 9%
Property Policy Provisions And Contract Law - 7%
Types Of Casualty Policies, Bonds, And Related Terms - 16%
Casualty Insurance Terms And Related Concepts - 9%
Casualty Policy Provisions - 7%
Florida Statutes, Rules, And Regulations Common To All Lines - 15%
Florida Statutes, Rules And Regulations Pertinent To General Lines Insurance - 15%
Florida Statutes, Rules And Regulations Pertinent To Health Insurance - 6%
The Florida State exam consists of _______ scored questions plus 15 pretest questions. ✔️160
You have a total of _____ hours to complete the test. ✔️3
, The application must show the applicant is at least _____ years old. ✔️18
The application must show the applicant is a bona fide _______ of or whose place of business is in Florida. ✔️Resident
The application must show the applicant will have place of business in Florida, will actively engage in the business, and maintain a place of
business identifiable and ________ to the public ✔️Accessible
The application must show the applicant is not seeking the license for purpose of writing "____________" (more than 50% of income from
business for applicant's or family's interests or other organization in which applicant is associated or interested) ✔️Controlled business
If the applicant has no 4-40 experience then the application must show the applicant is qualified by knowledge, experience or instruction
through having successfully completed Department-approved ________ hour course within 4 years immediately preceding date of application.
✔️200
The General Lines application must show the applicant is qualified by knowledge, experience or instruction through having completed at least
________ year of responsible insurance duties as a licensed and appointed Customer Representative (4-40) or Limited Customer
Representative (4-42) in either commercial or personal lines of property and casualty insurance and a 40 hour 4-40 to 2-20 conversion course
approved by the department. ✔️One
The Personal Lines License application must show the applicant is qualified by knowledge, experience or instruction through having successfully
completed Department-approved _________ hour course within 4 years immediately preceding date of application. ✔️60
The Personal Lines license applicant must have completed at least six months within the last ________ years of responsible insurance duties as
a licensed and appointed Customer Representative (4-40), Limited Customer Representative (4-42), or Service Representative (0-55) in property
and casualty insurance sold to individuals and families for noncommercial purposes. ✔️Four
The General Lines state exam consists of _______ questions with a ______ hour time limit. ✔️160,3
For a General Lines License, the applicant the he or she is how man years of age? ✔️18
When more than 50% of an agent's income comes from business from an agent or their family, this is know as what type of business?
✔️Controlled business
If an agent's license has gone more than 48 months without an appointment he or she must apply once again as what? ✔️First time applicant
A designated customer service representative in Florida can only be appointed by who or what? ✔️A general lines agent
Once your adjuster license has gone beyond __________ months without an appointment, you will have to qualify as a first time applicant. ✔️48
What elected official is a member of the Florida cabinet, and serves as the head of the Department of Financial Services? ✔️Chief financial
officer
Who directly oversees the Division of Insurance Agent and Agency Services? ✔️Chief financial officer
Insurance company regulation is administered by which office? ✔️Commission of office of insurance regulation
Which office provides oversight to Florida's financial service providers? ✔️Office of financial regulation
________ means the chance of financial loss. ✔️Risk
All insurance is designed to offset the _________ impact upon an insured of such losses. ✔️Financial
_________ means a written contract of or written agreement for or effecting insurance, or the certificate thereof, by whatever name called,
and includes all clauses, riders, endorsements and papers which are a part thereof. ✔️Insurance policy
__________ is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon
determinable contingencies. ✔️Insurance
The elements that constitute the consideration for a valid insurance contract are the _________ and agreement to the terms and conditions in
the policy by both the insurer and the insured ✔️Premium
A _______ policy is one that for a given coverage is substantially like the policies written by all or a majority of companies in the field.
✔️Standard
Types Of Property Policies - %
Property Insurance Terms And Related Concepts - %
Property Policy Provisions And Contract Law - %
Types Of Casualty Policies, Bonds, And Related Terms - %
Casualty Insurance Terms And Related Concepts - %
Casualty Policy Provisions - %
Florida Statutes, Rules, And Regulations Common To All Lines - %
Florida Statutes, Rules And Regulations Pertinent To General Lines Insurance - %
Florida Statutes, Rules And Regulations Pertinent To Health Insurance - % ✔️Types Of Property Policies - 16%
Property Insurance Terms And Related Concepts - 9%
Property Policy Provisions And Contract Law - 7%
Types Of Casualty Policies, Bonds, And Related Terms - 16%
Casualty Insurance Terms And Related Concepts - 9%
Casualty Policy Provisions - 7%
Florida Statutes, Rules, And Regulations Common To All Lines - 15%
Florida Statutes, Rules And Regulations Pertinent To General Lines Insurance - 15%
Florida Statutes, Rules And Regulations Pertinent To Health Insurance - 6%
The Florida State exam consists of _______ scored questions plus 15 pretest questions. ✔️160
You have a total of _____ hours to complete the test. ✔️3
, The application must show the applicant is at least _____ years old. ✔️18
The application must show the applicant is a bona fide _______ of or whose place of business is in Florida. ✔️Resident
The application must show the applicant will have place of business in Florida, will actively engage in the business, and maintain a place of
business identifiable and ________ to the public ✔️Accessible
The application must show the applicant is not seeking the license for purpose of writing "____________" (more than 50% of income from
business for applicant's or family's interests or other organization in which applicant is associated or interested) ✔️Controlled business
If the applicant has no 4-40 experience then the application must show the applicant is qualified by knowledge, experience or instruction
through having successfully completed Department-approved ________ hour course within 4 years immediately preceding date of application.
✔️200
The General Lines application must show the applicant is qualified by knowledge, experience or instruction through having completed at least
________ year of responsible insurance duties as a licensed and appointed Customer Representative (4-40) or Limited Customer
Representative (4-42) in either commercial or personal lines of property and casualty insurance and a 40 hour 4-40 to 2-20 conversion course
approved by the department. ✔️One
The Personal Lines License application must show the applicant is qualified by knowledge, experience or instruction through having successfully
completed Department-approved _________ hour course within 4 years immediately preceding date of application. ✔️60
The Personal Lines license applicant must have completed at least six months within the last ________ years of responsible insurance duties as
a licensed and appointed Customer Representative (4-40), Limited Customer Representative (4-42), or Service Representative (0-55) in property
and casualty insurance sold to individuals and families for noncommercial purposes. ✔️Four
The General Lines state exam consists of _______ questions with a ______ hour time limit. ✔️160,3
For a General Lines License, the applicant the he or she is how man years of age? ✔️18
When more than 50% of an agent's income comes from business from an agent or their family, this is know as what type of business?
✔️Controlled business
If an agent's license has gone more than 48 months without an appointment he or she must apply once again as what? ✔️First time applicant
A designated customer service representative in Florida can only be appointed by who or what? ✔️A general lines agent
Once your adjuster license has gone beyond __________ months without an appointment, you will have to qualify as a first time applicant. ✔️48
What elected official is a member of the Florida cabinet, and serves as the head of the Department of Financial Services? ✔️Chief financial
officer
Who directly oversees the Division of Insurance Agent and Agency Services? ✔️Chief financial officer
Insurance company regulation is administered by which office? ✔️Commission of office of insurance regulation
Which office provides oversight to Florida's financial service providers? ✔️Office of financial regulation
________ means the chance of financial loss. ✔️Risk
All insurance is designed to offset the _________ impact upon an insured of such losses. ✔️Financial
_________ means a written contract of or written agreement for or effecting insurance, or the certificate thereof, by whatever name called,
and includes all clauses, riders, endorsements and papers which are a part thereof. ✔️Insurance policy
__________ is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon
determinable contingencies. ✔️Insurance
The elements that constitute the consideration for a valid insurance contract are the _________ and agreement to the terms and conditions in
the policy by both the insurer and the insured ✔️Premium
A _______ policy is one that for a given coverage is substantially like the policies written by all or a majority of companies in the field.
✔️Standard
