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Florida Health and Life Insurance Exam
2026/2027 Actual Exam | Accurate Real Exam
Questions with Verified Answers | DFS | Pass
Guaranteed - A+ Graded
Section 1: Florida Insurance Regulations and Laws (25 Questions)
Q1: According to Florida law, how many hours of prelicensing education are required before
taking the Florida Health and Life Insurance examination?
A. 20 hours
B. 40 hours [CORRECT]
C. 60 hours
D. No prelicensing education required
Correct Answer: B
Rationale: Florida Statutes require 40 hours of prelicensing education for the Health and Life
Insurance license (20 hours for Life and 20 hours for Health, or combined 40-hour course).
Option A (20 hours) is insufficient. Option C (60 hours) exceeds the requirement. Option D is
incorrect.
Q2: A Florida-licensed insurance agent is renewing their license. What are the continuing
education (CE) requirements for license renewal?
A. 20 hours biennially, including 3 hours of ethics [CORRECT]
B. 30 hours biennially, including 5 hours of ethics
C. 40 hours biennially, including 3 hours of ethics
D. No CE required
Correct Answer: A
Rationale: Florida requires 20 hours of continuing education every two years, including 3 hours
of ethics. Options B and C exceed the requirement. Option D is incorrect—CE is mandatory for
renewal.
Q3: Under Florida law, what is the free look period for life insurance policies?
A. 10 days [CORRECT]
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B. 14 days
C. 20 days
D. 30 days
Correct Answer: A
Rationale: Florida Statute 627.455 provides a 10-day free look period for life insurance policies.
Option B (14 days) is for health insurance. Options C and D are not Florida requirements.
Q4: The Florida Life and Health Insurance Guaranty Association provides protection to residents
in the event of:
A. Investment losses in variable products
B. Insurer insolvency [CORRECT]
C. Policy lapse due to nonpayment
D. Disputes with agents
Correct Answer: B
Rationale: The Florida Life and Health Insurance Guaranty Association (Chapter 631, Florida
Statutes) protects policyowners if their insurance company becomes insolvent. Option A is not
covered. Option C is a policyowner responsibility. Option D is handled through DFS complaints.
Q5: A licensed agent in Florida must report administrative actions or criminal charges to the
Department of Financial Services within:
A. 30 days [CORRECT]
B. 60 days
C. 90 days
D. 1 year
Correct Answer: A
Rationale: Florida law requires agents to report any administrative actions or criminal charges
within 30 days. Options B, C, and D exceed the reporting timeframe.
Q6: The Florida Office of Insurance Regulation (OIR) has authority to do all of the following
EXCEPT:
A. Regulate insurance rates
B. Approve policy forms
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C. License insurance agents [CORRECT]
D. Examine insurance company financial condition
Correct Answer: C
Rationale: The Florida Department of Financial Services (DFS) licenses agents, while the OIR
regulates companies, rates, and forms. Options A, B, and D are OIR functions.
Q7: Under Florida law, the grace period for individual life insurance policies is:
A. 7 days
B. 14 days
C. 30 days for monthly premium policies; 31 days for others [CORRECT]
D. 60 days
Correct Answer: C
Rationale: Florida Statute 627.462 provides a 30-day grace period for policies with monthly
premiums and 31 days for other premium modes. Options A and B are too short. Option D is too
long.
Q8: An insurance agent in Florida may be disciplined by the Department of Financial Services
for:
A. Failing to meet sales quotas
B. Misappropriating client funds or committing fraud [CORRECT]
C. Choosing not to sell certain insurance products
D. Working for a non-appointed insurer with proper disclosure
Correct Answer: B
Rationale: DFS disciplines agents for violations of law including fraud and misappropriation.
Option A is not a disciplinary cause. Option C is agent discretion. Option D requires
appointment.
Q9: The Florida Insurance Code defines a "resident agent" as someone who:
A. Has a Florida office only
B. Resides in Florida or has a principal place of business in Florida [CORRECT]
C. Only sells to Florida residents
D. Was born in Florida
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Correct Answer: B
Rationale: A resident agent resides in Florida or maintains a principal place of business in
Florida. Options A, C, and D are incorrect definitions.
Q10: Under Florida law, an insurer must appoint an agent within:
A. 15 days
B. 30 days of the agent writing business or 30 days of the effective date of the agency contract
[CORRECT]
C. 60 days
D. 90 days
Correct Answer: B
Rationale: Florida Statute 626.112 requires appointment within 30 days of writing business or
contract effective date. Options A, C, and D are incorrect.
Q11: A Florida agent's license terminates if the agent is not appointed by an insurer for:
A. 30 days
B. 48 months [CORRECT]
C. 12 months
D. 6 months
Correct Answer: B
Rationale: Florida law provides that a license terminates if the agent is not appointed for 48
months (4 years). Options A, C, and D are incorrect timeframes.
Q12: Which of the following is an unfair trade practice under Florida law?
A. Rebating (returning part of the premium to the insured as an inducement) [CORRECT]
B. Paying commissions to licensed agents
C. Providing policy illustrations
D. Conducting insurance examinations
Correct Answer: A
Rationale: Rebating is prohibited under Florida Statute 626.572 as an unfair inducement. Options
B, C, and D are legal insurance practices.
Florida Health and Life Insurance Exam
2026/2027 Actual Exam | Accurate Real Exam
Questions with Verified Answers | DFS | Pass
Guaranteed - A+ Graded
Section 1: Florida Insurance Regulations and Laws (25 Questions)
Q1: According to Florida law, how many hours of prelicensing education are required before
taking the Florida Health and Life Insurance examination?
A. 20 hours
B. 40 hours [CORRECT]
C. 60 hours
D. No prelicensing education required
Correct Answer: B
Rationale: Florida Statutes require 40 hours of prelicensing education for the Health and Life
Insurance license (20 hours for Life and 20 hours for Health, or combined 40-hour course).
Option A (20 hours) is insufficient. Option C (60 hours) exceeds the requirement. Option D is
incorrect.
Q2: A Florida-licensed insurance agent is renewing their license. What are the continuing
education (CE) requirements for license renewal?
A. 20 hours biennially, including 3 hours of ethics [CORRECT]
B. 30 hours biennially, including 5 hours of ethics
C. 40 hours biennially, including 3 hours of ethics
D. No CE required
Correct Answer: A
Rationale: Florida requires 20 hours of continuing education every two years, including 3 hours
of ethics. Options B and C exceed the requirement. Option D is incorrect—CE is mandatory for
renewal.
Q3: Under Florida law, what is the free look period for life insurance policies?
A. 10 days [CORRECT]
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B. 14 days
C. 20 days
D. 30 days
Correct Answer: A
Rationale: Florida Statute 627.455 provides a 10-day free look period for life insurance policies.
Option B (14 days) is for health insurance. Options C and D are not Florida requirements.
Q4: The Florida Life and Health Insurance Guaranty Association provides protection to residents
in the event of:
A. Investment losses in variable products
B. Insurer insolvency [CORRECT]
C. Policy lapse due to nonpayment
D. Disputes with agents
Correct Answer: B
Rationale: The Florida Life and Health Insurance Guaranty Association (Chapter 631, Florida
Statutes) protects policyowners if their insurance company becomes insolvent. Option A is not
covered. Option C is a policyowner responsibility. Option D is handled through DFS complaints.
Q5: A licensed agent in Florida must report administrative actions or criminal charges to the
Department of Financial Services within:
A. 30 days [CORRECT]
B. 60 days
C. 90 days
D. 1 year
Correct Answer: A
Rationale: Florida law requires agents to report any administrative actions or criminal charges
within 30 days. Options B, C, and D exceed the reporting timeframe.
Q6: The Florida Office of Insurance Regulation (OIR) has authority to do all of the following
EXCEPT:
A. Regulate insurance rates
B. Approve policy forms
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C. License insurance agents [CORRECT]
D. Examine insurance company financial condition
Correct Answer: C
Rationale: The Florida Department of Financial Services (DFS) licenses agents, while the OIR
regulates companies, rates, and forms. Options A, B, and D are OIR functions.
Q7: Under Florida law, the grace period for individual life insurance policies is:
A. 7 days
B. 14 days
C. 30 days for monthly premium policies; 31 days for others [CORRECT]
D. 60 days
Correct Answer: C
Rationale: Florida Statute 627.462 provides a 30-day grace period for policies with monthly
premiums and 31 days for other premium modes. Options A and B are too short. Option D is too
long.
Q8: An insurance agent in Florida may be disciplined by the Department of Financial Services
for:
A. Failing to meet sales quotas
B. Misappropriating client funds or committing fraud [CORRECT]
C. Choosing not to sell certain insurance products
D. Working for a non-appointed insurer with proper disclosure
Correct Answer: B
Rationale: DFS disciplines agents for violations of law including fraud and misappropriation.
Option A is not a disciplinary cause. Option C is agent discretion. Option D requires
appointment.
Q9: The Florida Insurance Code defines a "resident agent" as someone who:
A. Has a Florida office only
B. Resides in Florida or has a principal place of business in Florida [CORRECT]
C. Only sells to Florida residents
D. Was born in Florida
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Correct Answer: B
Rationale: A resident agent resides in Florida or maintains a principal place of business in
Florida. Options A, C, and D are incorrect definitions.
Q10: Under Florida law, an insurer must appoint an agent within:
A. 15 days
B. 30 days of the agent writing business or 30 days of the effective date of the agency contract
[CORRECT]
C. 60 days
D. 90 days
Correct Answer: B
Rationale: Florida Statute 626.112 requires appointment within 30 days of writing business or
contract effective date. Options A, C, and D are incorrect.
Q11: A Florida agent's license terminates if the agent is not appointed by an insurer for:
A. 30 days
B. 48 months [CORRECT]
C. 12 months
D. 6 months
Correct Answer: B
Rationale: Florida law provides that a license terminates if the agent is not appointed for 48
months (4 years). Options A, C, and D are incorrect timeframes.
Q12: Which of the following is an unfair trade practice under Florida law?
A. Rebating (returning part of the premium to the insured as an inducement) [CORRECT]
B. Paying commissions to licensed agents
C. Providing policy illustrations
D. Conducting insurance examinations
Correct Answer: A
Rationale: Rebating is prohibited under Florida Statute 626.572 as an unfair inducement. Options
B, C, and D are legal insurance practices.
