FLORIDA INSURANCE PERSONAL LINES
LICENSE 20 44 MOCK EXAMINATION
SCRIPT 2026 VALIDATED ITEMS
BLUEPRINT LEARNING TOOL SUCCESS
OUTCOME GRADED A+
⩥ Renewal.
Answer: 45 days advanced written notice of the renewal premium
mailed to the 1st named insured.
⩥ Nonrenewal.
Answer: The insurance company is limited as to reason it may non-
renew, can NOT be an Act of God; an insured may choose not to renew
by withholding payment. Non-renewal notice must state reason why
policy is not to be renewed. Residential property, requires 120 days
advanced written notice. Personal auto: 1st 90 days 20 days written
notice; after 90 days
⩥ Cancellation.
Answer: Unable to cancel a personal auto policy after 90 days except
when there has been a material misstatement, a nonpayment of premium,
a failure to comply with underwriting requirements established by the
insurer within 90 days of the date of effectuation of coverage, or a
substantial change in the risk covered by the policy or when the
, cancellation is for all insureds under such policies for a given class of
insureds. Must give 45 days notice prior to the effective date of
cancellation or termination.
⩥ Proof of Loss.
Answer: an official inventory of the loss. May be required by an
insurance company in exchange for payment of a claim.
⩥ Payment of Claims.
Answer: Insurer has 90 days to pay or deny a claim unless failure to pay
is caused by factors beyond insurers control. After 90 days or 15 days
after there are no longer factors beyond insurers control interest begins
to accrue from the date insurer received notification of the claim.
⩥ Premium Financing.
Answer: A general lines agent may make reasonable service charges for
financing insurance premium. May not exceed $3 per installment.
Maximum service charge shall not exceed $36 per year. May charge
18% simple interest per year on unpaid balance; or average unpaid
balance as billed. Interest may be billed in equal installments.
⩥ Property.
Answer: Line of insurance designed to cover many types of coverages
and handle risk that a person will suffer financial loss because something
the person owns is damaged or destroyed.
LICENSE 20 44 MOCK EXAMINATION
SCRIPT 2026 VALIDATED ITEMS
BLUEPRINT LEARNING TOOL SUCCESS
OUTCOME GRADED A+
⩥ Renewal.
Answer: 45 days advanced written notice of the renewal premium
mailed to the 1st named insured.
⩥ Nonrenewal.
Answer: The insurance company is limited as to reason it may non-
renew, can NOT be an Act of God; an insured may choose not to renew
by withholding payment. Non-renewal notice must state reason why
policy is not to be renewed. Residential property, requires 120 days
advanced written notice. Personal auto: 1st 90 days 20 days written
notice; after 90 days
⩥ Cancellation.
Answer: Unable to cancel a personal auto policy after 90 days except
when there has been a material misstatement, a nonpayment of premium,
a failure to comply with underwriting requirements established by the
insurer within 90 days of the date of effectuation of coverage, or a
substantial change in the risk covered by the policy or when the
, cancellation is for all insureds under such policies for a given class of
insureds. Must give 45 days notice prior to the effective date of
cancellation or termination.
⩥ Proof of Loss.
Answer: an official inventory of the loss. May be required by an
insurance company in exchange for payment of a claim.
⩥ Payment of Claims.
Answer: Insurer has 90 days to pay or deny a claim unless failure to pay
is caused by factors beyond insurers control. After 90 days or 15 days
after there are no longer factors beyond insurers control interest begins
to accrue from the date insurer received notification of the claim.
⩥ Premium Financing.
Answer: A general lines agent may make reasonable service charges for
financing insurance premium. May not exceed $3 per installment.
Maximum service charge shall not exceed $36 per year. May charge
18% simple interest per year on unpaid balance; or average unpaid
balance as billed. Interest may be billed in equal installments.
⩥ Property.
Answer: Line of insurance designed to cover many types of coverages
and handle risk that a person will suffer financial loss because something
the person owns is damaged or destroyed.
