Health Insurance Florida 2-40 Practice Exam Comprehensive Questions and Verified Answers

Health Insurance
Florida 2-40 Practice
Exam
Comprehensive
Questions and
Verified Answers
(Detailed &
Elaborated) Actual
Exam 2026

Who is the one that determines the
classification of an applicant for health
insurance?
-Underwriter


1

,-Agent
-Risk manager
-Actuary - correct
answer=✔✔Underwriter


All of the following are techniques
commonly used by insurers in issuing
health insurance policies to
substandard risks, EXCEPT?
-Add a waiting period of 6 months
-Charge extra premium
-Attach exclusion or impairment rider
or waiver
-Limit the type of policy - correct
answer=✔✔Add a waiting period of 6
months




2

,All of the following are classifications
of applicants for health insurance,
EXCEPT?
-Standard risk
-Preferred risk
-Special risk
-Substandard risk - correct
answer=✔✔Special risk (Explanation:
The classifications of applicants for
health insurance are: preferred risk,
standard risk, substandard risk and
uninsurable risk.)


When an insured holds more than one
occupation, and occupation is used to
classify the risk, what occupation will
the insurer generally use to classify
the insured?



3

, -Occupation that would produce the
lowest premium
-Occupation where insured spends the
majority of hours
-Occupation insured has been
employed the longest
-Occupation that is most hazardous -
correct answer=✔✔Occupation that is
most hazardous


Which of the following is NOT a factor
affecting health insurance premiums?
-Marital status
-Sex
-Age
-Hobbies - correct answer=✔✔Marital
status


4