Florida Laws & Rules Pertinent to Insurance – Practice Questions 1–
Page | 1
150
1. An applicant for a General-Lines insurance agent license must:
A) Be at least 18 years old
B) Have 2 years of experience
C) Be a U.S. citizen only
D) Own an insurance company
Rationale: Florida law requires applicants to be at least 18; U.S. citizenship is not required, but legal
presence is.
2. A public adjuster may solicit business immediately after a hurricane.
A) True
B) False
Rationale: Solicitation is prohibited for a specified period after a declared disaster.
3. How often must Florida insurance agents complete continuing education?
A) Every year
B) Every 2 years
C) Every 5 years
D) Only at license renewal
Rationale: Florida law requires CE every 2 years; at least one 4-hour update course is mandatory.
4. A limited-lines agent may sell:
A) Only the insurance lines specified on their license
B) Any insurance lines under general-lines
C) Life and health insurance only
D) Property insurance only
Rationale: Limited licenses restrict the types of insurance an agent may transact.
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, 5. Which license type allows adjusting claims for property and casualty lines but excludes life insurance?
A) Public adjuster
B) All-lines adjuster
Page | 2 C) Life agent
D) Title agent
Rationale: All-lines adjusters handle property/casualty claims; life/annuity claims are excluded.
6. A public adjuster is required to:
A) Maintain client funds separate from personal funds
B) Deposit client funds into personal account
C) Borrow client funds with written consent
D) None of the above
Rationale: Commingling of client funds with personal funds is prohibited.
7. Which of the following is NOT a requirement to apply for a Florida adjuster license?
A) Be at least 18
B) Submit fingerprints
C) Have a college degree
D) Pass the state exam
Rationale: No college degree is required; age, fingerprints, and passing the exam are required.
8. Exams for life insurance agents in Florida cover:
A) Life insurance only
B) Life insurance, annuities, and variable contracts
C) Life and property insurance
D) Property and casualty insurance
Rationale: Life-agent exams include life, annuities, and variable contracts.
9. Agents must complete which course every two years?
A) Ethics only
B) Four-hour update course
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, C) Life insurance basics
D) Adjuster law course
Rationale: Every 2 years, a 4-hour update course is mandatory for most license types.
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10. If a licensee fails the state exam five times in 12 months:
A) They can continue to retake it
B) They must wait at least 12 months
C) They can never take it again
D) They must switch license type
Rationale: Law limits to 5 attempts in 12 months.
11. Which statement is TRUE regarding public adjusters?
A) They may charge any fee without disclosure
B) They must provide a written contract with clients
C) They may practice without a license
D) They may commingle client funds
Rationale: Contracts must disclose fees; ethics laws prevent unlicensed practice and commingling.
12. Title insurance agents are required to complete the 4-hour CE update course.
A) True
B) False
Rationale: Title insurance agents are exempt from this requirement.
13. What is the minimum age to apply for a Florida insurance agent license?
A) 16
B) 18
C) 21
D) 25
Rationale: Applicants must be at least 18 years old.
EXAMPREPMASTER
, 14. Unethical advertising can result in:
A) Warning only
B) License suspension or revocation
C) A small fine only
Page | 4 D) Nothing
Rationale: Misleading advertising violates Florida insurance law and can lead to suspension or
revocation.
15. All of the following are responsibilities of a Florida agent EXCEPT:
A) Accurately representing policies
B) Collecting premiums
C) Adjusting claims for personal profit
D) Maintaining records
Rationale: Agents must not adjust claims for personal gain.
16. A licensee whose license has expired for more than 12 months must:
A) Pay late fees only
B) Retake the state exam
C) Complete additional CE only
D) Nothing
Rationale: Exam must be retaken for expired licenses beyond the allowable grace period.
17. Public adjusters must include a fraud-warning in contracts.
A) True
B) False
Rationale: Florida law requires clear disclosure in contracts.
18. Proof of Loss documents must be submitted:
A) Whenever convenient
B) Within statutory time limits
C) Only after negotiation
D) Optional
EXAMPREPMASTER
Page | 1
150
1. An applicant for a General-Lines insurance agent license must:
A) Be at least 18 years old
B) Have 2 years of experience
C) Be a U.S. citizen only
D) Own an insurance company
Rationale: Florida law requires applicants to be at least 18; U.S. citizenship is not required, but legal
presence is.
2. A public adjuster may solicit business immediately after a hurricane.
A) True
B) False
Rationale: Solicitation is prohibited for a specified period after a declared disaster.
3. How often must Florida insurance agents complete continuing education?
A) Every year
B) Every 2 years
C) Every 5 years
D) Only at license renewal
Rationale: Florida law requires CE every 2 years; at least one 4-hour update course is mandatory.
4. A limited-lines agent may sell:
A) Only the insurance lines specified on their license
B) Any insurance lines under general-lines
C) Life and health insurance only
D) Property insurance only
Rationale: Limited licenses restrict the types of insurance an agent may transact.
EXAMPREPMASTER
, 5. Which license type allows adjusting claims for property and casualty lines but excludes life insurance?
A) Public adjuster
B) All-lines adjuster
Page | 2 C) Life agent
D) Title agent
Rationale: All-lines adjusters handle property/casualty claims; life/annuity claims are excluded.
6. A public adjuster is required to:
A) Maintain client funds separate from personal funds
B) Deposit client funds into personal account
C) Borrow client funds with written consent
D) None of the above
Rationale: Commingling of client funds with personal funds is prohibited.
7. Which of the following is NOT a requirement to apply for a Florida adjuster license?
A) Be at least 18
B) Submit fingerprints
C) Have a college degree
D) Pass the state exam
Rationale: No college degree is required; age, fingerprints, and passing the exam are required.
8. Exams for life insurance agents in Florida cover:
A) Life insurance only
B) Life insurance, annuities, and variable contracts
C) Life and property insurance
D) Property and casualty insurance
Rationale: Life-agent exams include life, annuities, and variable contracts.
9. Agents must complete which course every two years?
A) Ethics only
B) Four-hour update course
EXAMPREPMASTER
, C) Life insurance basics
D) Adjuster law course
Rationale: Every 2 years, a 4-hour update course is mandatory for most license types.
Page | 3
10. If a licensee fails the state exam five times in 12 months:
A) They can continue to retake it
B) They must wait at least 12 months
C) They can never take it again
D) They must switch license type
Rationale: Law limits to 5 attempts in 12 months.
11. Which statement is TRUE regarding public adjusters?
A) They may charge any fee without disclosure
B) They must provide a written contract with clients
C) They may practice without a license
D) They may commingle client funds
Rationale: Contracts must disclose fees; ethics laws prevent unlicensed practice and commingling.
12. Title insurance agents are required to complete the 4-hour CE update course.
A) True
B) False
Rationale: Title insurance agents are exempt from this requirement.
13. What is the minimum age to apply for a Florida insurance agent license?
A) 16
B) 18
C) 21
D) 25
Rationale: Applicants must be at least 18 years old.
EXAMPREPMASTER
, 14. Unethical advertising can result in:
A) Warning only
B) License suspension or revocation
C) A small fine only
Page | 4 D) Nothing
Rationale: Misleading advertising violates Florida insurance law and can lead to suspension or
revocation.
15. All of the following are responsibilities of a Florida agent EXCEPT:
A) Accurately representing policies
B) Collecting premiums
C) Adjusting claims for personal profit
D) Maintaining records
Rationale: Agents must not adjust claims for personal gain.
16. A licensee whose license has expired for more than 12 months must:
A) Pay late fees only
B) Retake the state exam
C) Complete additional CE only
D) Nothing
Rationale: Exam must be retaken for expired licenses beyond the allowable grace period.
17. Public adjusters must include a fraud-warning in contracts.
A) True
B) False
Rationale: Florida law requires clear disclosure in contracts.
18. Proof of Loss documents must be submitted:
A) Whenever convenient
B) Within statutory time limits
C) Only after negotiation
D) Optional
EXAMPREPMASTER
