HEALTH INSURANCE FLORIDA PRACTICE
PRACTICE PAPER 2026 FULL SOLUTION
GRADED A+
⩥ Group health insurance specifies that what percentage of eligible
individuals MUST be offered coverage under a noncontributory plan?
-25
-50
-75
-100. Answer: 100
⩥ Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times?
-When a change of beneficiary is requested
-At the inception of the policy
-When a beneficiary other than a relative is named
-At the time a claim is submitted. Answer: At the inception of the policy
⩥ When periodic claim payments are required under a long-term
disability income policy, an insurer MUST make payments to an insured
at least once every:
-month
-three months
,-six months
-year. Answer: month
⩥ M and N own a small interior design studio that employs six people.
The owners are concerned about the financial continuation of the
business if either of them should become permanently disabled. In this
situation, a producer would MOST likely recommend which of the
following types of contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income. Answer: Disability Buy-Out
⩥ Which of the following health policies requires a beneficiary
designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care. Answer: Travel Accident
⩥ Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features?
-Extensions of coverage
-Benefits clause
, -Riders
-Exclusions. Answer: Exclusions
⩥ An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous occupation and
fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the
following actions?
-Cancel the policy and refund one year's premiums
-Settle the claim according to what the premiums would have purchased
under the more hazardous occupation
-Pay the claim in full and then cancel the policy
-Pay the claim after deducting an extra one-year premium payment.
Answer: Settle the claim according to what the premiums would have
purchased under the more hazardous occupation
⩥ Which of the following definitions of disability would cover a
permanent partial disability?
-Own occupation
-Any occupation
-Residual disability
-Presumptive disability. Answer: Residual disability
PRACTICE PAPER 2026 FULL SOLUTION
GRADED A+
⩥ Group health insurance specifies that what percentage of eligible
individuals MUST be offered coverage under a noncontributory plan?
-25
-50
-75
-100. Answer: 100
⩥ Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times?
-When a change of beneficiary is requested
-At the inception of the policy
-When a beneficiary other than a relative is named
-At the time a claim is submitted. Answer: At the inception of the policy
⩥ When periodic claim payments are required under a long-term
disability income policy, an insurer MUST make payments to an insured
at least once every:
-month
-three months
,-six months
-year. Answer: month
⩥ M and N own a small interior design studio that employs six people.
The owners are concerned about the financial continuation of the
business if either of them should become permanently disabled. In this
situation, a producer would MOST likely recommend which of the
following types of contracts?
-Basic Hospital
-Disability Buy-Out
-Comprehensive Major Medical
-Short-Term Disability Income. Answer: Disability Buy-Out
⩥ Which of the following health policies requires a beneficiary
designation?
-Travel Accident
-Medicare Supplement
-Blanket
-Long Term Care. Answer: Travel Accident
⩥ Suicide, pre-existing conditions and self-inflicted injuries are dealt
with in which of the following policy features?
-Extensions of coverage
-Benefits clause
, -Riders
-Exclusions. Answer: Exclusions
⩥ An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous occupation and
fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the
following actions?
-Cancel the policy and refund one year's premiums
-Settle the claim according to what the premiums would have purchased
under the more hazardous occupation
-Pay the claim in full and then cancel the policy
-Pay the claim after deducting an extra one-year premium payment.
Answer: Settle the claim according to what the premiums would have
purchased under the more hazardous occupation
⩥ Which of the following definitions of disability would cover a
permanent partial disability?
-Own occupation
-Any occupation
-Residual disability
-Presumptive disability. Answer: Residual disability
