Florida Health and Life Insurance Exam
Exam Coverage
The exam coverage includes the core insurance knowledge and
Florida-specific regulations assessed in the Florida Health and Life
Insurance Exam. It focuses on life insurance and health insurance
fundamentals, including policy types, provisions, riders, underwriting,
premiums, benefits, and claims. The exam also evaluates
understanding of annuities, disability income, long-term care,
Medicare-related concepts, and the legal and ethical responsibilities
of insurance producers. Emphasis is placed on Florida insurance laws,
licensing requirements, consumer protections, suitability standards,
and proper sales practices for life and health insurance products.
,According to Mandatory Uniform Policy Provisions, what is the
maximum amount of time after the premium due date during which the
policy remains in force even though the premium has not been paid?
31 days
G purchased a Family Income policy at age 40. The policy has a 20-
year rider period. If G were to die at age 50, how long would G's
family receive an income?
10 years
,E and F are business partners. Each takes out a $500,000 life insurance
policy on the other, naming himself as primary beneficiary. E and F
eventually terminate their business, and four months later E dies.
Although E was married with three children at the time of death, the
primary beneficiary is still F. However, an insurable interest no longer
exists. Where will the proceeds from E's life insurance policy be
directed to?
F
The Health Insurance Portability and Accountability Act (HIPAA) gives
privacy protection for:
health information
, What do Dread Disease policies cover?
A specific disease or illness
When an insurance application is taken by a producer, which of these
statements is true?
Any changes made on the application require the applicant's initials
A student pilot can pay regular premium costs for her life insurance
policy with the addition of which of the following?
Aviation exclusion
Exam Coverage
The exam coverage includes the core insurance knowledge and
Florida-specific regulations assessed in the Florida Health and Life
Insurance Exam. It focuses on life insurance and health insurance
fundamentals, including policy types, provisions, riders, underwriting,
premiums, benefits, and claims. The exam also evaluates
understanding of annuities, disability income, long-term care,
Medicare-related concepts, and the legal and ethical responsibilities
of insurance producers. Emphasis is placed on Florida insurance laws,
licensing requirements, consumer protections, suitability standards,
and proper sales practices for life and health insurance products.
,According to Mandatory Uniform Policy Provisions, what is the
maximum amount of time after the premium due date during which the
policy remains in force even though the premium has not been paid?
31 days
G purchased a Family Income policy at age 40. The policy has a 20-
year rider period. If G were to die at age 50, how long would G's
family receive an income?
10 years
,E and F are business partners. Each takes out a $500,000 life insurance
policy on the other, naming himself as primary beneficiary. E and F
eventually terminate their business, and four months later E dies.
Although E was married with three children at the time of death, the
primary beneficiary is still F. However, an insurable interest no longer
exists. Where will the proceeds from E's life insurance policy be
directed to?
F
The Health Insurance Portability and Accountability Act (HIPAA) gives
privacy protection for:
health information
, What do Dread Disease policies cover?
A specific disease or illness
When an insurance application is taken by a producer, which of these
statements is true?
Any changes made on the application require the applicant's initials
A student pilot can pay regular premium costs for her life insurance
policy with the addition of which of the following?
Aviation exclusion
