FLORIDA LIFE HEALTH AND ANNUITIES 2-15 EXAM 2025
NEWEST TEST BANK| WITH 500 REAL EXAM QUESTIONS
WITH 100% CORRECT ANSWERS| GRADE |A+ ALREADY
PASSED
Accidental death benefit rider - CORRECT SOLUTION✔✔✔Twice (or three times) the
benefit will be paid if the insured dies in an accident
Accidental dismemberment - CORRECT SOLUTION✔✔✔Loss of a body part-state test
actual loss not just loss of use
Accidental means provision - CORRECT SOLUTION✔✔✔Benefit only paid when the
insured was not in control of the accident
Accidental results provision - CORRECT SOLUTION✔✔✔Benefit paid when accident
occurred because of any means; it just happened!
Accident and health insurance - CORRECT SOLUTION✔✔✔Coverage for an insured
disabled by accident or illness
Accumulation unit - CORRECT SOLUTION✔✔✔Purchased by premiums paid into
variable annuity during the annuitants working years
Acute illness - CORRECT SOLUTION✔✔✔The one category of serious illness where
the patient can fully recover
,Adhesion - CORRECT SOLUTION✔✔✔Where all specifications of forms, brochures,
and contracts are pre-approved by the state
Adjustable life insurance - CORRECT SOLUTION✔✔✔A combination term and whole
life policy where it is easy to change various factors
Administration services only (ASO) - CORRECT SOLUTION✔✔✔Insurance company
insists only with the paperwork for self-insureds
Admitted insurer - CORRECT SOLUTION✔✔✔Company approved, authorized,
admitted, certified to do business in the state
Adult daycare - CORRECT SOLUTION✔✔✔Where Alzheimers or similar patients can
be monitored and receive care during the day
,Adverse selection - CORRECT SOLUTION✔✔✔poor choices made by an underwriter
when selecting risks
Advertising code - CORRECT SOLUTION✔✔✔What's ok and what's NOT okay in
advertising... found inside the Unfair Trade Practices Act
Agency - CORRECT SOLUTION✔✔✔An office established for the purpose of selling
insurance within the state
ZoomWords - CORRECT SOLUTION✔✔✔A list of the important terms to be understood
in preparing for the insurance exams
Yearly Renewable Term Insurance (YRT) - CORRECT SOLUTION✔✔✔The same as
annually renewable term (ARTs)
Absolute assignment - CORRECT SOLUTION✔✔✔Ownership is assigned to another
person permanently unless intentionally returned
Accelerated benefits rider - CORRECT SOLUTION✔✔✔Providing death benefits ahead
of time of death when insured is terminally ill
Acceptance - CORRECT SOLUTION✔✔✔Offer has been made and accepted by the
company, or by the client if counter-offer was made
, Accidental bodily injury provision - CORRECT SOLUTION✔✔✔Benefits payable when
injured by accidental means
Accidental death and dismemberment - CORRECT SOLUTION✔✔✔A plan specifically for
accidental death or loss of body parts
Agent - CORRECT SOLUTION✔✔✔Any licensed person who solicits insurance on
behalf of an insurance company
Agent's report - CORRECT SOLUTION✔✔✔Part 3 of the application where the agent
enters his/her comments regarding the transaction
Aleatory - CORRECT SOLUTION✔✔✔A chance/risk for both of the parties. It never
works out to be equal
Alien insurer - CORRECT SOLUTION✔✔✔Insurance company is located outside the USA
Ambulatory surgery - CORRECT SOLUTION✔✔✔A neighborhood clinic commonly
less expensive than the costs from a hospital
NEWEST TEST BANK| WITH 500 REAL EXAM QUESTIONS
WITH 100% CORRECT ANSWERS| GRADE |A+ ALREADY
PASSED
Accidental death benefit rider - CORRECT SOLUTION✔✔✔Twice (or three times) the
benefit will be paid if the insured dies in an accident
Accidental dismemberment - CORRECT SOLUTION✔✔✔Loss of a body part-state test
actual loss not just loss of use
Accidental means provision - CORRECT SOLUTION✔✔✔Benefit only paid when the
insured was not in control of the accident
Accidental results provision - CORRECT SOLUTION✔✔✔Benefit paid when accident
occurred because of any means; it just happened!
Accident and health insurance - CORRECT SOLUTION✔✔✔Coverage for an insured
disabled by accident or illness
Accumulation unit - CORRECT SOLUTION✔✔✔Purchased by premiums paid into
variable annuity during the annuitants working years
Acute illness - CORRECT SOLUTION✔✔✔The one category of serious illness where
the patient can fully recover
,Adhesion - CORRECT SOLUTION✔✔✔Where all specifications of forms, brochures,
and contracts are pre-approved by the state
Adjustable life insurance - CORRECT SOLUTION✔✔✔A combination term and whole
life policy where it is easy to change various factors
Administration services only (ASO) - CORRECT SOLUTION✔✔✔Insurance company
insists only with the paperwork for self-insureds
Admitted insurer - CORRECT SOLUTION✔✔✔Company approved, authorized,
admitted, certified to do business in the state
Adult daycare - CORRECT SOLUTION✔✔✔Where Alzheimers or similar patients can
be monitored and receive care during the day
,Adverse selection - CORRECT SOLUTION✔✔✔poor choices made by an underwriter
when selecting risks
Advertising code - CORRECT SOLUTION✔✔✔What's ok and what's NOT okay in
advertising... found inside the Unfair Trade Practices Act
Agency - CORRECT SOLUTION✔✔✔An office established for the purpose of selling
insurance within the state
ZoomWords - CORRECT SOLUTION✔✔✔A list of the important terms to be understood
in preparing for the insurance exams
Yearly Renewable Term Insurance (YRT) - CORRECT SOLUTION✔✔✔The same as
annually renewable term (ARTs)
Absolute assignment - CORRECT SOLUTION✔✔✔Ownership is assigned to another
person permanently unless intentionally returned
Accelerated benefits rider - CORRECT SOLUTION✔✔✔Providing death benefits ahead
of time of death when insured is terminally ill
Acceptance - CORRECT SOLUTION✔✔✔Offer has been made and accepted by the
company, or by the client if counter-offer was made
, Accidental bodily injury provision - CORRECT SOLUTION✔✔✔Benefits payable when
injured by accidental means
Accidental death and dismemberment - CORRECT SOLUTION✔✔✔A plan specifically for
accidental death or loss of body parts
Agent - CORRECT SOLUTION✔✔✔Any licensed person who solicits insurance on
behalf of an insurance company
Agent's report - CORRECT SOLUTION✔✔✔Part 3 of the application where the agent
enters his/her comments regarding the transaction
Aleatory - CORRECT SOLUTION✔✔✔A chance/risk for both of the parties. It never
works out to be equal
Alien insurer - CORRECT SOLUTION✔✔✔Insurance company is located outside the USA
Ambulatory surgery - CORRECT SOLUTION✔✔✔A neighborhood clinic commonly
less expensive than the costs from a hospital
