Florida life Study guides, Class notes & Summaries
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Florida Life, Health and Variable Annuity Exam Correct !!
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Entire Contract Provision - ANSWER found at the beginning of the policy, saying that the policy cannot refer to any outside documents as being part of the contract and prohibiting the insurer from making any changes to the policy after it has been issued. (can only make good changes not bad) 
 
Insuring Clause - ANSWER sets forth the company's basic promise to pay benefits upon the insured's death. 
 
Free-Look Provision - ANSWER gives policyowners the right to return the policy for a full pre...
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Florida Life, Health and Variable Annuities With Correct Solutions!!
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Disability Buy-Out plans feature: - ANSWER Long elimination plans up to two years (A disability buy-out plan funded with disability insurance has a long elimination period of generally two years. The elimination period begins the day of the disability. Then the disability policy will provide a lump sum to buy the disabled partner out. They want to make sure that the partner is not going to recover and come back to work) 
 
When MUST the Office of Insurance Regulation conduct a market conduct exa...
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Florida Life and Variable Annuity 100% Correct
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peril - ANSWER the immdeiate specific event causing loss and giving rise to risk 
 
hazard - ANSWER any factor that gives rise to a peril 
 
physical hazard - ANSWER individual characteristics that increase chance of peril 
*physical condition, past medical history, condition at birth 
 
moral hazard - ANSWER tendencies that people may have that increase risk and chance of loss *drug addiction and alcholism 
 
morale hazard - ANSWER individual tendencies that arise from an attitude or state of m...
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FLORIDA HEALTH AND LIFE INSURANCE EXAM AND PRACTICE EXAM LATEST 2024 ACTUAL EXAM 400 QUESTIONS AND CORRECT DETAILED ANSWERS WITH RATIONALES (VERIFIED ANSWERS) |ALREADY GRADED A+
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FLORIDA HEALTH AND LIFE INSURANCE EXAM AND PRACTICE EXAM LATEST 2024 ACTUAL EXAM 400 QUESTIONS AND CORRECT DETAILED ANSWERS WITH RATIONALES (VERIFIED ANSWERS) |ALREADY GRADED A+
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214 FLORIDA INSURANCE LIFE AND VARIABLE ANNUITY ACTUAL EXAM UPDATED
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214 FLORIDA INSURANCE LIFE AND 
VARIABLE ANNUITY ACTUAL EXAM 
UPDATED 
variable annuity - CORRECT ANSWER-there is no guarantee of the dollar amount of 
the payments, they fluctuate according to the value of an account vest primarly in 
common stocks 
join and survivor annuity - CORRECT ANSWER-covers two or more lives and contiunes 
in force so long as any one of them survives 
period certain annuity - CORRECT ANSWER-annuity imcome option that guarantees a 
definite minimum peroid of paymen...
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FLORIDA LIFE AND HEALTH FINAL EXAM
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Which Unfair Trade Practice involves making a false statement on an insurance application in order to receive money from an insurer? - Answer-Misrepresentation 
 
Who owns a stock company? - Answer-A stock insurance company is owned by its stockholders. 
 
In Florida, which of the following is considered an Unfair Trade Practice? - Answer-Coercion 
 
Which of these options can an individual use their medical flexible spending account to pay for? - Answer-Prescription drugs are an allowable expen...
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Florida 2-15 Insurance License Exam-Actual Exam Questions and Answers, 100% Verified-Updated 2023/2024
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Florida 2-15 Insurance License Exam-Actual Exam Questions and Answers, 100% Verified-Updated 2023/2024 
Florida 2-15 Insurance License Exam-Actual 
Exam Questions and Answers, 100% 
Verified-Updated 2023/2024 
Accumulation units are converted into annuity units: 
at the time of annuity payout. 
A group life insurance plan in which the employer pays the entire premium is 
known as a ________________ plan. 
noncontributory 
If a disabled worker covered under Social Security disability benefits ...
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FLORIDA LIFE AND HEALTH INSURANCE PRACTICE QUESTIONS
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Within how many days must a licensee notify the Department of Financial Services of a change in address? - Answer-30 
 
All of the following entries are classified under the four principal areas of Florida insurance law EXCEPT... - Answer-An agent's commission 
 
Which of the following factors is NOT considered when the Department of Financial Services determines if an agent's home is an insurance agency? - Answer-The amount of premium collected at this location 
 
Florida requires that an ins...
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Florida Life and Health Insurance State Exam Review (2-15) Questions and Answers
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Florida Life and Health Insurance State Exam Review (2-15) Questions and Answers 
Under Florida Law, which of the following provisions is NOT required in a medicare supplement policy? - Ans: -limitation on pre-existing conditions for up to 12 months 
 
M's insurance company denied a reinstatement application for her lapsed health insurance policy. The company did not notify M of this denial. How many days from the reinstatement application date does the insurance company have to notify M of the...
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FLORIDA LIFE AND HEALTH INSURANCE
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Insured - Answer-The person covered by the insurance policy. 
 
Rider - Answer-A written modification attached to a policy that increases or decreases coverage and/or premiums. 
 
What is a unilateral contract? - Answer-A contract in which only one of the parties is legally bound to fulfill its obligations. 
 
What law protects consumers from the circulation of inaccurate or obsolete information? - Answer-The Fair Credit Reporting Act. 
 
What are the three types of agent authority? - Answer-Imp...
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