FLORIDA INSURANCE EXAM LATEST 2026 ACTUAL
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Florida Insurance Exam Latest 2026 Actual Questions and Verified
Answers (Latest ) A+ Grade 100%
The clause identifying which losses resulting from an accident or sickness are insured by the policy is
called the:
Insuring clause
K applies for a life insurance policy on herself and submits the initial premium with the application. She
is given a receipt by the agent stating that coverage begins immediately if the application is approved.
What kind of receipt was used?
Conditional
A life insurance arrangement which circumvents insurable interest statutes is called:
Investor-Originated Life Insurance
Which of the following health policy provisions states that the producer does NOT have the authority to
change the policy or waive any of its provisions?
Entire Contract
Within how many days after policy delivery can a Medicare Supplement policy be returned for a 100%
premium refund?
30
6/4/2026
1
, FLORIDA INSURANCE EXAM LATEST 2026 ACTUAL
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Which of the following is NOT an unfair claim settlement practice?
Needing written documentation of claim details
Who is NOT required to sign a life insurance application?
Beneficiary
To be eligible for Social Security disability benefits, an employee must be unable to perform:
any occupation
The type of annuity that can be purchased with one monetary deposit is called a(n):
Immediate annuity
A life insurance application must be signed by all of these, EXCEPT:
beneficiary
Which of the following is considered an accurate statement of an unfair trade practice?
Twisting involves an agent using misrepresentation to convince a policyowner to cancel their current
policy so that they can purchase a new life insurance policy with another company
The Accelerated Death Benefit provision in a life insurance policy is also known as a(n):
Living Benefit
6/4/2026
2
, FLORIDA INSURANCE EXAM LATEST 2026 ACTUAL
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Which of the following policy features allows an insured to defer current health charges to the following
year's deductible instead of the current year's deducitble?
Carryover provision
Insurance policies are considered aleatory contracts because
performance is conditioned upon a future occurrence
Within how many days must a licensee notify the Department of Financial Services of a change in
address?
30
Which organization was established to provide funds to protect an insured in the event of an insurer's
insolvency?
Florida Life and Health Insurance Guaranty Association
The clause in an Accident and Health policy which defines the benefit amounts the insurer will pay is
called the:
Insuring clause
When a policyowner cash surrenders a Universal Life insurance policy in it's early years, this may be
considered a red flag for a(n):
6/4/2026
Anti-Money Laundering violation
3
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Florida Insurance Exam Latest 2026 Actual Questions and Verified
Answers (Latest ) A+ Grade 100%
The clause identifying which losses resulting from an accident or sickness are insured by the policy is
called the:
Insuring clause
K applies for a life insurance policy on herself and submits the initial premium with the application. She
is given a receipt by the agent stating that coverage begins immediately if the application is approved.
What kind of receipt was used?
Conditional
A life insurance arrangement which circumvents insurable interest statutes is called:
Investor-Originated Life Insurance
Which of the following health policy provisions states that the producer does NOT have the authority to
change the policy or waive any of its provisions?
Entire Contract
Within how many days after policy delivery can a Medicare Supplement policy be returned for a 100%
premium refund?
30
6/4/2026
1
, FLORIDA INSURANCE EXAM LATEST 2026 ACTUAL
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Which of the following is NOT an unfair claim settlement practice?
Needing written documentation of claim details
Who is NOT required to sign a life insurance application?
Beneficiary
To be eligible for Social Security disability benefits, an employee must be unable to perform:
any occupation
The type of annuity that can be purchased with one monetary deposit is called a(n):
Immediate annuity
A life insurance application must be signed by all of these, EXCEPT:
beneficiary
Which of the following is considered an accurate statement of an unfair trade practice?
Twisting involves an agent using misrepresentation to convince a policyowner to cancel their current
policy so that they can purchase a new life insurance policy with another company
The Accelerated Death Benefit provision in a life insurance policy is also known as a(n):
Living Benefit
6/4/2026
2
, FLORIDA INSURANCE EXAM LATEST 2026 ACTUAL
06/04/2026
QUESTIONS AND VERIFIED ANSWERS
Which of the following policy features allows an insured to defer current health charges to the following
year's deductible instead of the current year's deducitble?
Carryover provision
Insurance policies are considered aleatory contracts because
performance is conditioned upon a future occurrence
Within how many days must a licensee notify the Department of Financial Services of a change in
address?
30
Which organization was established to provide funds to protect an insured in the event of an insurer's
insolvency?
Florida Life and Health Insurance Guaranty Association
The clause in an Accident and Health policy which defines the benefit amounts the insurer will pay is
called the:
Insuring clause
When a policyowner cash surrenders a Universal Life insurance policy in it's early years, this may be
considered a red flag for a(n):
6/4/2026
Anti-Money Laundering violation
3
