7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
ACA Final
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Exam10/27/2026, Final
3:41:20
Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
1 of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA Final Exam.pdf10/27/2026,
3:41:391AM
of 14ACA
3:41:3
Fin
ACA Final Exam
At the end of this course, you must do which of the following?
Pass the final course exam with a scored of 70% or higher
Print your certificate from this website
Apply for your Insurance Adjuster license at the Florida Department of Financial
Services website at www.myfloridacfo.com/division/agents
All of the above - CORRECT ANSWER-All of the above
Which of the following is NOT one of the duties of the Department of Financial
Services?
License adjusters
Set rates and write policies for various company products
Supervise the claims activity of adjusters
Investigate charges of unethical conduct of adjusters - CORRECT ANSWER-Set
rates and write policies for various company products
When an insurance licensee moves, he has how long to notify the Florida Dept.
of Financial Services of his change of address?
10 Days
30 Days
60 Days
180 Days - CORRECT ANSWER-30
An Insurance Policy is a contract with all of the following characteristics,
EXCEPT
It is a personal contract.
Parties are of unequal power with ambiguities or unclear wording resolved in
favor of the insured because it is a contract of adhesion.
7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
10/27/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20 AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
1 of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA
3:41:39
Final AM
Exam.pdf10/
3:41:3
,7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
ACA Final
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Exam10/27/2026, Final
3:41:20
Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
2 of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA Final Exam.pdf10/27/2026,
3:41:392AM
of 14ACA
3:41:3
Fin
Indemnity is not part of an insurance contract.
There are conditions imposed upon both the insurer and insured. - CORRECT
ANSWER-Indemnity is not part of an insurance contract.
An insurance contract may contain a "gray area" or an ambiguity, that is generally
resolved in favor of the insured because insurance policies are contracts of:
Indemnity
Cohesion
Adhesion
Conditions - CORRECT ANSWER-adhesion
Strict or Absolute Liability
applies to school systems.
must have failure to use "due care.
"considers the actions of a prudent person.
is assigned by law or statute. - CORRECT ANSWER-is assigned by law or
statute.
Risks that are insurable are:
Speculative risk
Pure risk
Both A & B
None of the above - CORRECT ANSWER-Pure Risk
The goal of insurance is to restore the insured to the same economic position as
before the covered loss occurred, this is the principle of:
Adhesion
Actual Cash Value
Indemnity
Severability - CORRECT ANSWER-Indemnity
Firemen caused water damage to a property by spraying water to put out a fire. If
the property insurance policy listed "fire" as the only named peril:
7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
10/27/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20 AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
2 of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA
3:41:39
Final AM
Exam.pdf10/
3:41:3
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
ACA Final
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Exam10/27/2026, Final
3:41:20
Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
1 of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA Final Exam.pdf10/27/2026,
3:41:391AM
of 14ACA
3:41:3
Fin
ACA Final Exam
At the end of this course, you must do which of the following?
Pass the final course exam with a scored of 70% or higher
Print your certificate from this website
Apply for your Insurance Adjuster license at the Florida Department of Financial
Services website at www.myfloridacfo.com/division/agents
All of the above - CORRECT ANSWER-All of the above
Which of the following is NOT one of the duties of the Department of Financial
Services?
License adjusters
Set rates and write policies for various company products
Supervise the claims activity of adjusters
Investigate charges of unethical conduct of adjusters - CORRECT ANSWER-Set
rates and write policies for various company products
When an insurance licensee moves, he has how long to notify the Florida Dept.
of Financial Services of his change of address?
10 Days
30 Days
60 Days
180 Days - CORRECT ANSWER-30
An Insurance Policy is a contract with all of the following characteristics,
EXCEPT
It is a personal contract.
Parties are of unequal power with ambiguities or unclear wording resolved in
favor of the insured because it is a contract of adhesion.
7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
10/27/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20 AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
1 of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA Final1 Exam.pdf10/27/2026,
of 14ACA
3:41:39
Final AM
Exam.pdf10/
3:41:3
,7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
ACA Final
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Exam10/27/2026, Final
3:41:20
Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
2 of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA Final Exam.pdf10/27/2026,
3:41:392AM
of 14ACA
3:41:3
Fin
Indemnity is not part of an insurance contract.
There are conditions imposed upon both the insurer and insured. - CORRECT
ANSWER-Indemnity is not part of an insurance contract.
An insurance contract may contain a "gray area" or an ambiguity, that is generally
resolved in favor of the insured because insurance policies are contracts of:
Indemnity
Cohesion
Adhesion
Conditions - CORRECT ANSWER-adhesion
Strict or Absolute Liability
applies to school systems.
must have failure to use "due care.
"considers the actions of a prudent person.
is assigned by law or statute. - CORRECT ANSWER-is assigned by law or
statute.
Risks that are insurable are:
Speculative risk
Pure risk
Both A & B
None of the above - CORRECT ANSWER-Pure Risk
The goal of insurance is to restore the insured to the same economic position as
before the covered loss occurred, this is the principle of:
Adhesion
Actual Cash Value
Indemnity
Severability - CORRECT ANSWER-Indemnity
Firemen caused water damage to a property by spraying water to put out a fire. If
the property insurance policy listed "fire" as the only named peril:
7/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20
10/27/2026,
AM~~~~~~())))))))))))))(@)(*@U*(ACA
3:41:20 AM~~~~~~())))))))))))))(@)(*@U*(ACA
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
Final Exam@#&&*#&()&(*&)*$*)($*)*@($*(*@)$(*@$(&(*$$(&*$($2ZOIZHxh-2Page
2 of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA Final2 Exam.pdf10/27/2026,
of 14ACA
3:41:39
Final AM
Exam.pdf10/
3:41:3
