Test Questions & Certified Answers |
This is Florida 2-40 Health Insurance license practice set hosted on test foundational
insurance concepts, state regulations, and policy provisions required to pass the Florida health agent
state exam.
To optimize your study session, the following comprehensive breakdown covers the core concepts,
specific sample questions, and mechanics featured in the "Practice Exam Questions 1 (51
Questions)" curriculum.
High-Yield Sample Questions & Answers
Core Concepts Tested in the 51-Question Set
The practice exam splits its focus across general health insurance principles and strict Florida state
rules:
1. Contract Elements & Policy Provisions
2. Underwriting and Risk Classification
3. Florida-Specific State Regulations
Quiz_________________?
20 -
ANSWE✅
The Notice of Claim provision in an Accident and Health policy requires that an insured give
written notice to the insurer within a MAXIMUM of how many days after a loss?
1
, 7
10
15
20
Quiz_________________?
100 -
ANSWE✅
Group health insurance specifies that what percentage of eligible individuals MUST be
offered coverage under a noncontributory plan?
-25
-50
-75
-100
Quiz_________________?
a lump sum payment made for an accidental dismemberment -
ANSWE✅
In an Accidental Death and Dismemberment (AD&D) policy, the term "capital sum" refers
to:
-the benefit paid for death caused by a dread disease
-the monthly disability income paid if an insured loses a limb or the sight in one or both eyes
-a lump sum payment made when disease causes the amputation of an arm or a leg
2
, -a lump sum payment made for an accidental dismemberment
Quiz_________________?
Adjust the benefits downward according to the benefits that X would have been entitled to
based on the premiums -
ANSWE✅
Five years ago, at age forty-five, X stated that he was forty years old on a disability income
insurance application. X now submits a claim and the insurer discovers X's true age. The
insurer will most likely take which of the following actions?
-Deny the claim due to material misrepresentation on the application
-Pay the claim as filed because the policy becomes incontestable after two years
-Pay the claim and cancel the policy
-Adjust the benefits downward according to the benefits that X would have been entitled to
based on the premiums
Quiz_________________?
An Exclusionary/ Impairment rider -
ANSWE✅
An individual who has had a heart murmur since birth is likely to be issued an individual
health policy that includes:
A Guaranteed Insurability rider
An Exclusionary/ Impairment rider
A Waiver of Premium rider
A Double Indemnity rider
3
This is Florida 2-40 Health Insurance license practice set hosted on test foundational
insurance concepts, state regulations, and policy provisions required to pass the Florida health agent
state exam.
To optimize your study session, the following comprehensive breakdown covers the core concepts,
specific sample questions, and mechanics featured in the "Practice Exam Questions 1 (51
Questions)" curriculum.
High-Yield Sample Questions & Answers
Core Concepts Tested in the 51-Question Set
The practice exam splits its focus across general health insurance principles and strict Florida state
rules:
1. Contract Elements & Policy Provisions
2. Underwriting and Risk Classification
3. Florida-Specific State Regulations
Quiz_________________?
20 -
ANSWE✅
The Notice of Claim provision in an Accident and Health policy requires that an insured give
written notice to the insurer within a MAXIMUM of how many days after a loss?
1
, 7
10
15
20
Quiz_________________?
100 -
ANSWE✅
Group health insurance specifies that what percentage of eligible individuals MUST be
offered coverage under a noncontributory plan?
-25
-50
-75
-100
Quiz_________________?
a lump sum payment made for an accidental dismemberment -
ANSWE✅
In an Accidental Death and Dismemberment (AD&D) policy, the term "capital sum" refers
to:
-the benefit paid for death caused by a dread disease
-the monthly disability income paid if an insured loses a limb or the sight in one or both eyes
-a lump sum payment made when disease causes the amputation of an arm or a leg
2
, -a lump sum payment made for an accidental dismemberment
Quiz_________________?
Adjust the benefits downward according to the benefits that X would have been entitled to
based on the premiums -
ANSWE✅
Five years ago, at age forty-five, X stated that he was forty years old on a disability income
insurance application. X now submits a claim and the insurer discovers X's true age. The
insurer will most likely take which of the following actions?
-Deny the claim due to material misrepresentation on the application
-Pay the claim as filed because the policy becomes incontestable after two years
-Pay the claim and cancel the policy
-Adjust the benefits downward according to the benefits that X would have been entitled to
based on the premiums
Quiz_________________?
An Exclusionary/ Impairment rider -
ANSWE✅
An individual who has had a heart murmur since birth is likely to be issued an individual
health policy that includes:
A Guaranteed Insurability rider
An Exclusionary/ Impairment rider
A Waiver of Premium rider
A Double Indemnity rider
3
