Florida Health Insurance Exam/ 110+
Questions with Certified Solutions
An unplanned, unforeseen event which occurs suddenly and at an unspecified
place - Answer: Accident
A type of insurance that protects the insured against loss due to accidental bodily
injury - Answer: Accident Insurance
Unplanned, unforeseen traumatic injury to the body - Answer: Accidental Bodily
Injury
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,An insurance policy which pays a specified amount or a specified multiple of the
insured's benefit if the insured dies, loses his/her sight, or loses two limbs due to
an accident - Answer: Accidental Death and Dismemberment
A policy rider that states that the cause of death will be analyzed to determine if it
complies with the policy description of accidental death - Answer: Accidental
Death Benefits
Activities individuals must do every day such as moving about, getting dressed,
eating, bathing, etc. - Answer: Activities of Daily Living
The amount a physician or supplier actually bills for a particular service or supply -
Answer: Actual Charge
A contract offered on a "take-it-or-leave-it" basis by an insurer, in which the
insured's only option is to accept or reject the contract. Any ambiguities in the
contract will be settled in favor of the insured - Answer: Adhesion
An insurance company authorized and licensed to transact insurance in a
particular state - Answer: Admitted (Authorized) Insurer
A program for impaired adults that attempts to meet their health, social, and
functional needs in a setting away from their homes - Answer: Adult Day Care
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, The tendency of risks with higher probability of loss to purchase and maintain
insurance more often than the risks who present lower probability - Answer:
Adverse Selection
An individual who is licensed to sell, negotiate, or effect insurance contracts on
behalf of the insurer - Answer: Agent
A contract in which participating parties exchange unequal amounts. Insurance
contracts are this in that the amount the insured will pay in premiums is unequal
to the amount the insurer will pay in the event of a loss - Answer: Aleatory
An insurance company that is incorporated outside the USA - Answer: Alien
Insurer
The appearance or the assumption of authority based on the actions, words, or
deeds of the principal or because of circumstances the principal created - Answer:
Apparent Authority
The amount Medicare determines to be reasonable for a service that is covered
under Part B of Medicare - Answer: Approved Amount
A claim to a provider or medical supplier to receive payments directly from
Medicare - Answer: Assignment
The age of the insured at a determined date - Answer: Attained Age
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Questions with Certified Solutions
An unplanned, unforeseen event which occurs suddenly and at an unspecified
place - Answer: Accident
A type of insurance that protects the insured against loss due to accidental bodily
injury - Answer: Accident Insurance
Unplanned, unforeseen traumatic injury to the body - Answer: Accidental Bodily
Injury
Page 1 of 16
,An insurance policy which pays a specified amount or a specified multiple of the
insured's benefit if the insured dies, loses his/her sight, or loses two limbs due to
an accident - Answer: Accidental Death and Dismemberment
A policy rider that states that the cause of death will be analyzed to determine if it
complies with the policy description of accidental death - Answer: Accidental
Death Benefits
Activities individuals must do every day such as moving about, getting dressed,
eating, bathing, etc. - Answer: Activities of Daily Living
The amount a physician or supplier actually bills for a particular service or supply -
Answer: Actual Charge
A contract offered on a "take-it-or-leave-it" basis by an insurer, in which the
insured's only option is to accept or reject the contract. Any ambiguities in the
contract will be settled in favor of the insured - Answer: Adhesion
An insurance company authorized and licensed to transact insurance in a
particular state - Answer: Admitted (Authorized) Insurer
A program for impaired adults that attempts to meet their health, social, and
functional needs in a setting away from their homes - Answer: Adult Day Care
Page 2 of 16
, The tendency of risks with higher probability of loss to purchase and maintain
insurance more often than the risks who present lower probability - Answer:
Adverse Selection
An individual who is licensed to sell, negotiate, or effect insurance contracts on
behalf of the insurer - Answer: Agent
A contract in which participating parties exchange unequal amounts. Insurance
contracts are this in that the amount the insured will pay in premiums is unequal
to the amount the insurer will pay in the event of a loss - Answer: Aleatory
An insurance company that is incorporated outside the USA - Answer: Alien
Insurer
The appearance or the assumption of authority based on the actions, words, or
deeds of the principal or because of circumstances the principal created - Answer:
Apparent Authority
The amount Medicare determines to be reasonable for a service that is covered
under Part B of Medicare - Answer: Approved Amount
A claim to a provider or medical supplier to receive payments directly from
Medicare - Answer: Assignment
The age of the insured at a determined date - Answer: Attained Age
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