FLORIDA HEALTH AND LIFE INSURANCE STATE EXAM PRACTICE
PART 1 (Pearson) 150 TEST QUESTIONS WITH DETAILED VERIFIED
ANSWERS / ALREADY GRADED A+ / NEWEST 2025/2026
Which Accident and Health policy provision addresses preexisting conditions? -
ANSWER✔✔-Time Limit on Certain Defenses
Which of the following individual health insurance policies will provide the broadest
protection? - ANSWER✔✔-Major Medical
Which of the following situations does NOT apply to the Florida Replacement Rule? -
ANSWER✔✔-An existing policyholder purchases an additional policy from the same
insurer
Agent J takes an application and initial premium from an applicant and sends the
application and premium check to the insurance company. The insurance company
returns the check back to J because the check is made out to J instead of the insurance
company. What action should J take? - ANSWER✔✔-Return to the customer, collect a
new check made out to the insurance company, and send the new check out to the
insurance company
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 1
,Under which of the following circumstances will the benefits under COBRA
continuation coverage end? - ANSWER✔✔-All group health plans are terminated by
the employer
Which type of renewability best describes a Disability Income policy that covers an
individual until the age of 65, but the insurer has the right to change the premium rate
for the overall risk class? - ANSWER✔✔-Garunteed Renewable
An incomplete life insurance application submitted to an insurer will result in which of
these actions? - ANSWER✔✔-Application will be returned to the writting agent
The waiting period for a pre-existing condition under a Medicare Supplement policy
may NOT go beyond - ANSWER✔✔-6 Months
Which of these statements is INCORRECT regarding the federal income tax treatment
of life insurance? - ANSWER✔✔-Entire cash surrender value is taxable
Which of these is considered a mandatory provision? - ANSWER✔✔-Payment of
Claims
Which of the following actions will an insurance company most likely NOT take if an
applicant, who has diabetes, applies for a Disability Income policy? - ANSWER✔✔-
Issue the policy with an altered Time of Payment of Claims provision
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 2
, Which of the following phrases refers to the fees charged by a healthcare professional? -
ANSWER✔✔-Usual, customary, and reasonable expenses
D was actively serving in the Marines when he was killed in an automobile accident
while on leave. His $100,000 Whole life policy contains a War Exclusion clause. How
much will D's beneficiary's receive? - ANSWER✔✔-The full face amount
N is covered under an individual Disability policy with a 30-day Elimination period
and a monthly benefit of $500. N is totally disabled for 3 1/2 months. N's total benefit
received on this claim is: - ANSWER✔✔-$1,250
No benefits are available during the elimination period.
Who does an agent represent during the solicitation or insurance? - ANSWER✔✔-The
insurance company
Which of the following costs would a Basic Hospital/Surgical policy likely cover? -
ANSWER✔✔-Sugically removing a facial birthmark
The federal income tax treatment of employer-provided group Medical Expense
insurance can be accurately described as: - ANSWER✔✔-Employee's premiums paid by
the employer is tax-deductible to the employer as a business expenditure
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 3
PART 1 (Pearson) 150 TEST QUESTIONS WITH DETAILED VERIFIED
ANSWERS / ALREADY GRADED A+ / NEWEST 2025/2026
Which Accident and Health policy provision addresses preexisting conditions? -
ANSWER✔✔-Time Limit on Certain Defenses
Which of the following individual health insurance policies will provide the broadest
protection? - ANSWER✔✔-Major Medical
Which of the following situations does NOT apply to the Florida Replacement Rule? -
ANSWER✔✔-An existing policyholder purchases an additional policy from the same
insurer
Agent J takes an application and initial premium from an applicant and sends the
application and premium check to the insurance company. The insurance company
returns the check back to J because the check is made out to J instead of the insurance
company. What action should J take? - ANSWER✔✔-Return to the customer, collect a
new check made out to the insurance company, and send the new check out to the
insurance company
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 1
,Under which of the following circumstances will the benefits under COBRA
continuation coverage end? - ANSWER✔✔-All group health plans are terminated by
the employer
Which type of renewability best describes a Disability Income policy that covers an
individual until the age of 65, but the insurer has the right to change the premium rate
for the overall risk class? - ANSWER✔✔-Garunteed Renewable
An incomplete life insurance application submitted to an insurer will result in which of
these actions? - ANSWER✔✔-Application will be returned to the writting agent
The waiting period for a pre-existing condition under a Medicare Supplement policy
may NOT go beyond - ANSWER✔✔-6 Months
Which of these statements is INCORRECT regarding the federal income tax treatment
of life insurance? - ANSWER✔✔-Entire cash surrender value is taxable
Which of these is considered a mandatory provision? - ANSWER✔✔-Payment of
Claims
Which of the following actions will an insurance company most likely NOT take if an
applicant, who has diabetes, applies for a Disability Income policy? - ANSWER✔✔-
Issue the policy with an altered Time of Payment of Claims provision
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 2
, Which of the following phrases refers to the fees charged by a healthcare professional? -
ANSWER✔✔-Usual, customary, and reasonable expenses
D was actively serving in the Marines when he was killed in an automobile accident
while on leave. His $100,000 Whole life policy contains a War Exclusion clause. How
much will D's beneficiary's receive? - ANSWER✔✔-The full face amount
N is covered under an individual Disability policy with a 30-day Elimination period
and a monthly benefit of $500. N is totally disabled for 3 1/2 months. N's total benefit
received on this claim is: - ANSWER✔✔-$1,250
No benefits are available during the elimination period.
Who does an agent represent during the solicitation or insurance? - ANSWER✔✔-The
insurance company
Which of the following costs would a Basic Hospital/Surgical policy likely cover? -
ANSWER✔✔-Sugically removing a facial birthmark
The federal income tax treatment of employer-provided group Medical Expense
insurance can be accurately described as: - ANSWER✔✔-Employee's premiums paid by
the employer is tax-deductible to the employer as a business expenditure
COPYRIGHT © 2025 BY OLIVIA GREENWAYS, ALL RIGHTS RESERVED 3
