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FLORIDA INSURANCE EXAM QUESTIONS WITH CORRECT ANSWERS 2025 1

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FLORIDA INSURANCE EXAM QUESTIONS WITH CORRECT ANSWERS 2025 1

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Life & Health Insurance

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Life & Health Insurance

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Institution: Life & Health Insurance
Course: Life & Health Insurance

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Uploaded on: March 24, 2025
Number of pages: 11
Written in: 2024/2025
Type: Exam (elaborations)
Contains: Questions & answers

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florida insurance exam questions with correct answ

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FLORIDA INSURANCE EXAM
QUESTIONS WITH CORRECT
ANSWERS 2025/2026
TheAclauseAidentifyingAwhichAlossesAresultingAfromAanAaccidentAorAsicknessAareAinsuredAbyAthe
ApolicyAisAcalledAthe:A-AcorrectAanswersInsuringAclause

KAappliesAforAaAlifeAinsuranceApolicyAonAherselfAandAsubmitsAtheAinitialApremiumAwithAtheAappli
cation.ASheAisAgivenAaAreceiptAbyAtheAagentAstatingAthatAcoverageAbeginsAimmediatelyAifAtheAap
plicationAisAapproved.AWhatAkindAofAreceiptAwasAused?A-AcorrectAanswersConditional

AAlifeAinsuranceAarrangementAwhichAcircumventsAinsurableAinterestAstatutesAisAcalled:A-
AcorrectAanswersInvestor-OriginatedALifeAInsurance

WhichAofAtheAfollowingAhealthApolicyAprovisionsAstatesAthatAtheAproducerAdoesANOTAhaveAtheA
authorityAtoAchangeAtheApolicyAorAwaiveAanyAofAitsAprovisions?A-
AcorrectAanswersEntireAContract

WithinAhowAmanyAdaysAafterApolicyAdeliveryAcanAaAMedicareASupplementApolicyAbeAreturnedAf
orAaA100%ApremiumArefund?A-AcorrectAanswers30

WhichAofAtheAfollowingAisANOTAanAunfairAclaimAsettlementApractice?A-
AcorrectAanswersNeedingAwrittenAdocumentationAofAclaimAdetails

WhoAisANOTArequiredAtoAsignAaAlifeAinsuranceAapplication?A-AcorrectAanswersBeneficiary

ToAbeAeligibleAforASocialASecurityAdisabilityAbenefits,AanAemployeeAmustAbeAunableAtoAperform:
A-AcorrectAanswersanyAoccupation

TheAtypeAofAannuityAthatAcanAbeApurchasedAwithAoneAmonetaryAdepositAisAcalledAa(n):A-
AcorrectAanswersImmediateAannuity

AAlifeAinsuranceAapplicationAmustAbeAsignedAbyAallAofAthese,AEXCEPT:A-
AcorrectAanswersbeneficiary

WhichAofAtheAfollowingAisAconsideredAanAaccurateAstatementAofAanAunfairAtradeApractice?A-
AcorrectAanswersTwistingAinvolvesAanAagentAusingAmisrepresentationAtoAconvinceAaApolicyown

erAtoAcancelAtheirAcurrentApolicyAsoAthatAtheyAcanApurchaseAaAnewAlifeAinsuranceApolicyAwithAa
notherAcompany

TheAAcceleratedADeathABenefitAprovisionAinAaAlifeAinsuranceApolicyAisAalsoAknownAasAa(n):A-
AcorrectAanswersLivingABenefit

WhichAofAtheAfollowingApolicyAfeaturesAallowsAanAinsuredAtoAdeferAcurrentAhealthAchargesAtoAt
heAfollowingAyear'sAdeductibleAinsteadAofAtheAcurrentAyear'sAdeducitble?A-
AcorrectAanswersCarryoverAprovision

, InsuranceApoliciesAareAconsideredAaleatoryAcontractsAbecauseA-
AcorrectAanswersperformanceAisAconditionedAuponAaAfutureAoccurrence

WithinAhowAmanyAdaysAmustAaAlicenseeAnotifyAtheADepartmentAofAFinancialAServicesAofAaAcha
ngeAinAaddress?A-AcorrectAanswers30

WhichAorganizationAwasAestablishedAtoAprovideAfundsAtoAprotectAanAinsuredAinAtheAeventAofAa
nAinsurer'sAinsolvency?A-
AcorrectAanswersFloridaALifeAandAHealthAInsuranceAGuarantyAAssociation

TheAclauseAinAanAAccidentAandAHealthApolicyAwhichAdefinesAtheAbenefitAamountsAtheAinsurerA
willApayAisAcalledAthe:A-AcorrectAanswersInsuringAclause

WhenAaApolicyownerAcashAsurrendersAaAUniversalALifeAinsuranceApolicyAinAit'sAearlyAyears,AthisA
mayAbeAconsideredAaAredAflagAforAa(n):A-AcorrectAanswersAnti-MoneyALaunderingAviolation

AccordingAtoAtheATimeAPaymentAofAClaimsAprovision,AtheAinsurerAmustApayADisabilityAIncomeAb
enefitsAnoAlessAfrequentlyAthanAwhichAofAtheAfollowingAoptions?A-AcorrectAanswersMonthly

WhatAwouldAtheAMedicalAInformationABureauA(MIB)Aidentify?A-
AcorrectAanswersTestingApositiveAforAmarijuanaAuseAfromAaApreviousAscreening

HowAwouldAaAcontingentAbeneficiaryAreceiveAtheApolicyAproceedsAinAanAAccidentalADeathAandA
DismembermentA(AD&D)Apolicy?A-
AcorrectAanswersIfAtheAprimaryAbeneficiaryAdiesAbeforeAtheAinsured

UnderAaARenewableATermApolicy,A-
AcorrectAanswerstheArenewalApremiumAisAcalculatedAonAtheAbasisAofAtheAinsured'sAattainedAag

e

WhichAofAtheAfollowingAstatementsAisAtrueAaboutAmostABlueACross/BlueAShieldAorganizations?A
-AcorrectAanswersTheyAareAnonprofitAorganizations

IfAaApolicyownerAdoesAnotApayAtheApremiumAbyAtheAdueAdate,AtheA-
AcorrectAanswerspolicyownerAcanAmakeAtheApremiumApaymentAduringAtheAgraceAperiod

AccordingAtoAFloridaAlaw,AwhichAofAtheAfollowingAinformationAdoesANOTAneedAtoAbeAobtainedA
byAanAagentArecommendingAanAannuityApurchase?A-AcorrectAanswersMaritalAstatus

WhichAofAtheseAcharacteristicsAisAconsistentAwithAaAStraightALifeApolicy?A-
AcorrectAanswersPremiumsAareApayableAforAasAlongAasAthereAisAinsuranceAcoverageAinAforce

PAcompletesAanAapplicationAforAaA$10,000AlifeApolicy,AbutAdoesAnotAgiveAtheAproducerAtheAinitia
lApremium.AP'sAcoverageAbecomesAeffectiveAwhen:A-
AcorrectAanswersPAreceivesAtheApolicyAandApaysAtheApremium

OnAAugustA6,ADAsubmittedAanAapplicationAforAaA$50,000ALifeAInsuranceApolicyAandAdidAnotApayA
theAinitialApremium.AOnAAugustA18,ADAwentAtoAhisAdoctorAcomplainingAofAchestApainsAandAsom

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FLORIDA INSURANCE EXAM QUESTIONS WITH CORRECT ANSWERS 2025 1

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