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Florida Health & Life (Including Annuities & Variable Contracts) Questions and Correct Answers

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Florida Health & Life (Including Annuities & Variable Contracts) Questions and Correct Answers Risk Can be defined as uncertainty regarding financial loss Speculative Risks You can Win or lose/ loss or gain Pure Risks Only change is Loss Peril defined as the immediate specific event causing loss and giving rise to risk. Hazard A factor that give rise to a Peril 1- physical Hazards Deafness and blindness-increase the chance of a peril 2-Moral Hazards Alcohol/drug addiction/intentional..ten...

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  • by twishfrancis • 
  • uploaded  2025
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Certification Exam- Florida Life and Health Pre-Licensing Review Questions and Correct Answers

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Certification Exam- Florida Life and Health Pre-Licensing Review Questions and Correct Answers What percentage of eligible persons must be a policy cover in a noncontributory group? 100% In Florida, a health policy that is paid on a quarterly basis requires a grace period of 31 days T is an employee covered under a Group Life policy. If T's employment is terminated, the conversion privilege gives T the right to convert to an individual policy upon employment termination The minimu...

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FL Exam Study for Health and Life Insurance, Part 2 Questions and Correct Answers

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FL Exam Study for Health and Life Insurance, Part 2 Questions and Correct Answers Insurer can increase premium on anniversary date and insurer has right to renew for life of contract Guaranteed renewability Dependent children benefits cover kids up to what age? 26 Reimbursed medical expenses can be claimed when? When expenses exceed 10% of adjusted gross income Contract where one company (reinsurer) indemnifies another insurance company (ceding) for or all of liabilities Reinsurance ...

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Florida Life and Health Laws and Rules Test Questions and Correct Answers

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Florida Life and Health Laws and Rules Test Questions and Correct Answers An agent's license can be suspended or revoked by writing primarily controlled business What is the purpose of the Insurance Guaranty Fund Association? Protects policyowners against insolvent insurance companies Florida requires that coverage for newborns begins "from the moment of birth" and continues for 18 months What percentage of eligible persons must a policy cover in a noncontributory group? 100...

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Florida Agent's Health Insurance General Knowledge-Types of Policies Questions and Correct Answers

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Florida Agent's Health Insurance General Knowledge-Types of Policies Questions and Correct Answers Short Term Medical Insurance A plan designed to provide temporary coverage fro people in transition. Abailable fo terms from 1 month to 11 months. Are not regulated by the Affordable Health Care Act. Enorllment is not limited but they do not meet the requiremnts of federally mandated health insurance converage. Accident-Only Policies Limited Policies and provide coverage for death, dismemberme...

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Florida XCEL Health Practice Exam Questions and Correct Answers 2025

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Florida XCEL Health Practice Exam Questions and Correct Answers 2025 What type of insurance company is domiciled in England, but conducts business in Florida? Alien The minimum age at which a person can sign a life insurance application is 15 Years In Florida, monthly-premium health insurance policies must provide a grace period of at least 10 days W gave W's age as 50 when W purchased a Life policy. At the time of W's death seven years later, the company discovered W's true...

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CH 8 Florida Laws & Rules Pertinent to Insurance Practice Questions and Correct Answers

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CH 8 Florida Laws & Rules Pertinent to Insurance Practice Questions and Correct Answers In Florida, what is the maximum percentage of controlled business an agent may produce? 50% Which Unfair Trade Practice involves an agent telling a prospective client that a policy's dividends are guaranteed? Misrepresentation In Florida, the underwriting and issuance of a master group health policy requires that all employees are eligible to participate, regardless of their individual health history A...

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Health Insurance Florida 2-40 Practice Exam Questions and Answers - Medical Expenses

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Health Insurance Florida 2-40 Practice Exam Questions and Answers - Medical Expenses A) Basic Hospital/Surgical and Major Medical Comprehensive Medical Expense Insurance combines which of the following coverage in one policy: A) Basic Hospital/Surgical and Major Medical B) Disability Income and Accidental Death and Dismemberment C) Disability Income and Basic Hospital/Surgical D) Major Medical and Accidental Death and Dismemberment B) The amount paid will be reduced If the client goes out of t...

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Florida Life Insurance Practice Test Questions and Correct Answers

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Florida Life Insurance Practice Test Questions and Correct Answers The receipt given to a life insurance applicant when the application is completed and the initial premium is recieved is called an Insurable Receipt Conditional receipt Unconditional receipt Ensuring receipt conditional receipt Statements in the app that are believed to be true Warranties Representations Waivers Ambiguties warranties All of the following apply to the waiver of premium EXCEPT The premium is...

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Florida State Health Insurance Test Questions and Correct Answers

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Florida Life Insurance State Exam Simulator Questions and Correct Answers Post-tax dollar contributions are found in Roth IRA investments N purchases an annuity by making payments in an amount no less than $100 quarterly. This describes which of the following annuities? Flexible installment deferred Q applied for life insurance and submitted the initial premium on January 1. The policy was issued February 1, but it was not delivered by the agent until February 7. Q is dissatisfied and r...

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