age 1 of 39
FLORIDA HEALTH AND LIFE INSURANCE STATE
PRACTICE EXAM 2025/2026 ACCURATE QUESTIONS
WITH CORRECT DETAILED ANSWERS ||100%
GUARANTEED PASS <RECENT VERSION>
Which Accident and Health policy provision addresses
preexisting conditions? .......Answer.........Time Limit on Certain
Defenses
Company Z has a Cross Purchase Buy-Sell Agreement in place
among its three founding partners. If the agreement is funded
with individual life insurance, what would it require?
.......Answer.........Each Partner must own a policy on the other
partners
Upon reaching the limiting age, a handicapped child can extend
their health insurance coverage as a dependent
,age 2 of 39
.......Answer.........only if the child is incapable of employment and
chiefly dependent on the policyowner
Which of the following individual health insurance policies will
provide the broadest protection? .......Answer.........Major Medical
Which of the following situations does NOT apply to the Florida
Replacement Rule? .......Answer.........An existing policyholder
purchases an additional policy from the same insurer
Agent J takes an application and initial premium from an
applicant and sends the application and premium check to the
insurance company. The insurance company returns the check
back to J because the check is made out to J instead of the
insurance company. What action should J take?
.......Answer.........Return to the customer, collect a new check made
,age 3 of 39
out to the insurance company, and send the new check out to the
insurance company
Under which of the following circumstances will the benefits
under COBRA continuation coverage end? .......Answer.........All
group health plans are terminated by the employer
Which type of renewability best describes a Disability Income
policy that covers an individual until the age of 65, but the
insurer has the right to change the premium rate for the overall
risk class? .......Answer.........Garunteed Renewable
An incomplete life insurance application submitted to an insurer
will result in which of these actions? .......Answer.........Application
will be returned to the writting agent
, age 4 of 39
The waiting period for a pre-existing condition under a
Medicare Supplement policy may NOT go beyond
.......Answer.........6 Months
Which of these statements is INCORRECT regarding the federal
income tax treatment of life insurance? .......Answer.........Entire
cash surrender value is taxable
Which of these is considered a mandatory provision?
.......Answer.........Payment of Claims
Which of the following actions will an insurance company most
likely NOT take if an applicant, who has diabetes, applies for a
Disability Income policy? .......Answer.........Issue the policy with an
altered Time of Payment of Claims provision
FLORIDA HEALTH AND LIFE INSURANCE STATE
PRACTICE EXAM 2025/2026 ACCURATE QUESTIONS
WITH CORRECT DETAILED ANSWERS ||100%
GUARANTEED PASS <RECENT VERSION>
Which Accident and Health policy provision addresses
preexisting conditions? .......Answer.........Time Limit on Certain
Defenses
Company Z has a Cross Purchase Buy-Sell Agreement in place
among its three founding partners. If the agreement is funded
with individual life insurance, what would it require?
.......Answer.........Each Partner must own a policy on the other
partners
Upon reaching the limiting age, a handicapped child can extend
their health insurance coverage as a dependent
,age 2 of 39
.......Answer.........only if the child is incapable of employment and
chiefly dependent on the policyowner
Which of the following individual health insurance policies will
provide the broadest protection? .......Answer.........Major Medical
Which of the following situations does NOT apply to the Florida
Replacement Rule? .......Answer.........An existing policyholder
purchases an additional policy from the same insurer
Agent J takes an application and initial premium from an
applicant and sends the application and premium check to the
insurance company. The insurance company returns the check
back to J because the check is made out to J instead of the
insurance company. What action should J take?
.......Answer.........Return to the customer, collect a new check made
,age 3 of 39
out to the insurance company, and send the new check out to the
insurance company
Under which of the following circumstances will the benefits
under COBRA continuation coverage end? .......Answer.........All
group health plans are terminated by the employer
Which type of renewability best describes a Disability Income
policy that covers an individual until the age of 65, but the
insurer has the right to change the premium rate for the overall
risk class? .......Answer.........Garunteed Renewable
An incomplete life insurance application submitted to an insurer
will result in which of these actions? .......Answer.........Application
will be returned to the writting agent
, age 4 of 39
The waiting period for a pre-existing condition under a
Medicare Supplement policy may NOT go beyond
.......Answer.........6 Months
Which of these statements is INCORRECT regarding the federal
income tax treatment of life insurance? .......Answer.........Entire
cash surrender value is taxable
Which of these is considered a mandatory provision?
.......Answer.........Payment of Claims
Which of the following actions will an insurance company most
likely NOT take if an applicant, who has diabetes, applies for a
Disability Income policy? .......Answer.........Issue the policy with an
altered Time of Payment of Claims provision
