FLORIDA 2-20 GENERAL LINES AGENT
LICENSE FINAL EXAM WITH MULTIPLE
CHOICE QUESTIONS WITH ANSWERS AND
RATIONALES ALREADY GRADED A+| |LATEST
UPDATE!!
INTRODUCTION
This comprehensive question bank contains 400 practice questions designed to
prepare candidates for the Florida 2-20 General Lines Agent License Examination.
The questions are based on the latest 2026/2027 exam content and cover all major
topics including:
• Property Insurance (16%)
• Property Insurance Terms & Concepts (9%)
• Property Policy Provisions & Contract Law (7%)
• Casualty Insurance Types, Bonds & Terms (16%)
• Casualty Insurance Terms & Concepts (9%)
• Casualty Policy Provisions (7%)
• Florida Statutes, Rules & Regulations (15% each for Common and General
Lines)
• Health Insurance (6%)
Each question includes the correct answer and a detailed rationale to reinforce
understanding. The questions are randomized and non-duplicative to simulate the
actual exam experience.
,EXAM QUESTIONS
Q.1
The Florida Surplus Service Lines Office (FSLSO) was created to:
A) Regulate admitted insurance companies
B) Oversee the surplus lines industry in the state
C) Issue certificates of authority to insurers
D) Approve insurance policy forms
Correct Answer: B) Oversee the surplus lines industry in the state
Rationale: The Florida Surplus Service Lines Office (FSLSO) was specifically
created to oversee the surplus lines industry in the state. It reviews all surplus lines
policies and documents, maintains records of policies, collects surplus lines taxes
and service fees, and trains surplus lines agents. The OIR handles regulation of
admitted companies and policy form approval.
Q.2
Which of the following is NOT a required qualification for a General Lines Agent?
A) Being at least 18 years of age
B) Being a bona fide resident of Florida
C) Seeking the license only to write controlled business
D) Having a place of business located in Florida
Correct Answer: C) Seeking the license only to write controlled business
Rationale: The five qualifications to become a General Lines agent are: (1) At
least 18 years of age, (2) United States citizen or legal alien, (3) Bona fide resident
,of Florida, (4) Place of business located in Florida, and (5) NOT licensed for
purpose of writing controlled business. Seeking the license only to write controlled
business is prohibited.
Q.3
The Department of Financial Services performs the following, EXCEPT:
A) Approves issuance of licenses to agents
B) Supervises claims activities of companies
C) Pays insurance claims
D) Investigates charges of unethical conduct
Correct Answer: C) Pays insurance claims
Rationale: The Department of Financial Services (DFS) approves issuance of
licenses to agents, customer representatives, and adjusters; supervises claims
activities of companies; and investigates charges of unethical conduct. The DFS
does NOT pay insurance claims; that is the function of insurance companies.
Q.4
Once licensed, you have how long to obtain an appointment?
A) 12 months
B) 24 months
C) 36 months
D) 48 months
Correct Answer: D) 48 months
, Rationale: Once licensed, you have 48 months to obtain an appointment. If the
appointment is submitted late, the appointing entity will be responsible for the late
fee of $250 plus the statutory appointment fee of $60. Once your license has gone
beyond 48 months without an appointment, you will have to qualify as a first-time
applicant.
Q.5
Which of the following is NOT a duty of the Office of Insurance Regulation?
A) Examining qualifications of insurance companies
B) Examining financial conditions of companies
C) Submit rate filings and underwriting rules for approval
D) Approving forms, rules, and rates
Correct Answer: C) Submit rate filings and underwriting rules for approval
Rationale: The Office of Insurance Regulation (OIR) examines qualifications of
insurance companies, examines financial conditions, and approves forms, rules,
and rates. The OIR does NOT submit rate filings and underwriting rules for
approval; rather, they review and approve such filings submitted by insurers.
Q.6
Which one of the following statements is correct?
A) Contractors are never required to provide evidence of liability insurance
B) Contractors must usually provide evidence of liability insurance before a
construction contract is granted
C) Contractors only need liability insurance after project completion
D) Contractors are exempt from liability insurance requirements in Florida
LICENSE FINAL EXAM WITH MULTIPLE
CHOICE QUESTIONS WITH ANSWERS AND
RATIONALES ALREADY GRADED A+| |LATEST
UPDATE!!
INTRODUCTION
This comprehensive question bank contains 400 practice questions designed to
prepare candidates for the Florida 2-20 General Lines Agent License Examination.
The questions are based on the latest 2026/2027 exam content and cover all major
topics including:
• Property Insurance (16%)
• Property Insurance Terms & Concepts (9%)
• Property Policy Provisions & Contract Law (7%)
• Casualty Insurance Types, Bonds & Terms (16%)
• Casualty Insurance Terms & Concepts (9%)
• Casualty Policy Provisions (7%)
• Florida Statutes, Rules & Regulations (15% each for Common and General
Lines)
• Health Insurance (6%)
Each question includes the correct answer and a detailed rationale to reinforce
understanding. The questions are randomized and non-duplicative to simulate the
actual exam experience.
,EXAM QUESTIONS
Q.1
The Florida Surplus Service Lines Office (FSLSO) was created to:
A) Regulate admitted insurance companies
B) Oversee the surplus lines industry in the state
C) Issue certificates of authority to insurers
D) Approve insurance policy forms
Correct Answer: B) Oversee the surplus lines industry in the state
Rationale: The Florida Surplus Service Lines Office (FSLSO) was specifically
created to oversee the surplus lines industry in the state. It reviews all surplus lines
policies and documents, maintains records of policies, collects surplus lines taxes
and service fees, and trains surplus lines agents. The OIR handles regulation of
admitted companies and policy form approval.
Q.2
Which of the following is NOT a required qualification for a General Lines Agent?
A) Being at least 18 years of age
B) Being a bona fide resident of Florida
C) Seeking the license only to write controlled business
D) Having a place of business located in Florida
Correct Answer: C) Seeking the license only to write controlled business
Rationale: The five qualifications to become a General Lines agent are: (1) At
least 18 years of age, (2) United States citizen or legal alien, (3) Bona fide resident
,of Florida, (4) Place of business located in Florida, and (5) NOT licensed for
purpose of writing controlled business. Seeking the license only to write controlled
business is prohibited.
Q.3
The Department of Financial Services performs the following, EXCEPT:
A) Approves issuance of licenses to agents
B) Supervises claims activities of companies
C) Pays insurance claims
D) Investigates charges of unethical conduct
Correct Answer: C) Pays insurance claims
Rationale: The Department of Financial Services (DFS) approves issuance of
licenses to agents, customer representatives, and adjusters; supervises claims
activities of companies; and investigates charges of unethical conduct. The DFS
does NOT pay insurance claims; that is the function of insurance companies.
Q.4
Once licensed, you have how long to obtain an appointment?
A) 12 months
B) 24 months
C) 36 months
D) 48 months
Correct Answer: D) 48 months
, Rationale: Once licensed, you have 48 months to obtain an appointment. If the
appointment is submitted late, the appointing entity will be responsible for the late
fee of $250 plus the statutory appointment fee of $60. Once your license has gone
beyond 48 months without an appointment, you will have to qualify as a first-time
applicant.
Q.5
Which of the following is NOT a duty of the Office of Insurance Regulation?
A) Examining qualifications of insurance companies
B) Examining financial conditions of companies
C) Submit rate filings and underwriting rules for approval
D) Approving forms, rules, and rates
Correct Answer: C) Submit rate filings and underwriting rules for approval
Rationale: The Office of Insurance Regulation (OIR) examines qualifications of
insurance companies, examines financial conditions, and approves forms, rules,
and rates. The OIR does NOT submit rate filings and underwriting rules for
approval; rather, they review and approve such filings submitted by insurers.
Q.6
Which one of the following statements is correct?
A) Contractors are never required to provide evidence of liability insurance
B) Contractors must usually provide evidence of liability insurance before a
construction contract is granted
C) Contractors only need liability insurance after project completion
D) Contractors are exempt from liability insurance requirements in Florida
