FLORIDA LIFE HEALTH AND ANNUITIES 2-15 EXAM 2025
NEWEST TEST BANK| WITH 500 REAL EXAM QUESTIONS
AND CORRECT ANSWERS| GRADE |A+ GUARANTEED
Accidental death benefit rider - RIGHT ANS✔✔✔✔Twice (or three times) the benefit
will be paid if the insured dies in an accident
Accidental dismemberment - RIGHT ANS✔✔✔✔Loss of a body part-state test actual
loss not just loss of use
Accidental means provision - RIGHT ANS✔✔✔✔Benefit only paid when the insured
was not in control of the accident
Accidental results provision - RIGHT ANS✔✔✔✔Benefit paid when accident occurred
because of any means; it just happened!
Accident and health insurance - RIGHT ANS✔✔✔✔Coverage for an insured disabled
by accident or illness
Accumulation unit - RIGHT ANS✔✔✔✔Purchased by premiums paid into variable
annuity during the annuitants working years
Acute illness - RIGHT ANS✔✔✔✔The one category of serious illness where the patient
can fully recover
,Adhesion - RIGHT ANS✔✔✔✔Where all specifications of forms, brochures, and
contracts are pre-approved by the state
Adjustable life insurance - RIGHT ANS✔✔✔✔A combination term and whole life policy
where it is easy to change various factors
Administration services only (ASO) - RIGHT ANS✔✔✔✔Insurance company insists
only with the paperwork for self-insureds
Admitted insurer - RIGHT ANS✔✔✔✔Company approved, authorized, admitted,
certified to do business in the state
Adult daycare - RIGHT ANS✔✔✔✔Where Alzheimers or similar patients can be
monitored and receive care during the day
,Adverse selection - RIGHT ANS✔✔✔✔poor choices made by an underwriter when
selecting risks
Advertising code - RIGHT ANS✔✔✔✔What's ok and what's NOT okay in advertising...
found inside the Unfair Trade Practices Act
Agency - RIGHT ANS✔✔✔✔An office established for the purpose of selling insurance
within the state
ZoomWords - RIGHT ANS✔✔✔✔A list of the important terms to be understood in
preparing for the insurance exams
Yearly Renewable Term Insurance (YRT) - RIGHT ANS✔✔✔✔The same as annually
renewable term (ARTs)
Absolute assignment - RIGHT ANS✔✔✔✔Ownership is assigned to another person
permanently unless intentionally returned
Accelerated benefits rider - RIGHT ANS✔✔✔✔Providing death benefits ahead of time of
death when insured is terminally ill
Acceptance - RIGHT ANS✔✔✔✔Offer has been made and accepted by the company,
or by the client if counter-offer was made
, Accidental bodily injury provision - RIGHT ANS✔✔✔✔Benefits payable when injured
by accidental means
Accidental death and dismemberment - RIGHT ANS✔✔✔✔A plan specifically for accidental
death or loss of body parts
Agent - RIGHT ANS✔✔✔✔Any licensed person who solicits insurance on behalf of an
insurance company
Agent's report - RIGHT ANS✔✔✔✔Part 3 of the application where the agent enters
his/her comments regarding the transaction
Aleatory - RIGHT ANS✔✔✔✔A chance/risk for both of the parties. It never works out to
be equal
Alien insurer - RIGHT ANS✔✔✔✔Insurance company is located outside the USA
Ambulatory surgery - RIGHT ANS✔✔✔✔A neighborhood clinic commonly less
expensive than the costs from a hospital
NEWEST TEST BANK| WITH 500 REAL EXAM QUESTIONS
AND CORRECT ANSWERS| GRADE |A+ GUARANTEED
Accidental death benefit rider - RIGHT ANS✔✔✔✔Twice (or three times) the benefit
will be paid if the insured dies in an accident
Accidental dismemberment - RIGHT ANS✔✔✔✔Loss of a body part-state test actual
loss not just loss of use
Accidental means provision - RIGHT ANS✔✔✔✔Benefit only paid when the insured
was not in control of the accident
Accidental results provision - RIGHT ANS✔✔✔✔Benefit paid when accident occurred
because of any means; it just happened!
Accident and health insurance - RIGHT ANS✔✔✔✔Coverage for an insured disabled
by accident or illness
Accumulation unit - RIGHT ANS✔✔✔✔Purchased by premiums paid into variable
annuity during the annuitants working years
Acute illness - RIGHT ANS✔✔✔✔The one category of serious illness where the patient
can fully recover
,Adhesion - RIGHT ANS✔✔✔✔Where all specifications of forms, brochures, and
contracts are pre-approved by the state
Adjustable life insurance - RIGHT ANS✔✔✔✔A combination term and whole life policy
where it is easy to change various factors
Administration services only (ASO) - RIGHT ANS✔✔✔✔Insurance company insists
only with the paperwork for self-insureds
Admitted insurer - RIGHT ANS✔✔✔✔Company approved, authorized, admitted,
certified to do business in the state
Adult daycare - RIGHT ANS✔✔✔✔Where Alzheimers or similar patients can be
monitored and receive care during the day
,Adverse selection - RIGHT ANS✔✔✔✔poor choices made by an underwriter when
selecting risks
Advertising code - RIGHT ANS✔✔✔✔What's ok and what's NOT okay in advertising...
found inside the Unfair Trade Practices Act
Agency - RIGHT ANS✔✔✔✔An office established for the purpose of selling insurance
within the state
ZoomWords - RIGHT ANS✔✔✔✔A list of the important terms to be understood in
preparing for the insurance exams
Yearly Renewable Term Insurance (YRT) - RIGHT ANS✔✔✔✔The same as annually
renewable term (ARTs)
Absolute assignment - RIGHT ANS✔✔✔✔Ownership is assigned to another person
permanently unless intentionally returned
Accelerated benefits rider - RIGHT ANS✔✔✔✔Providing death benefits ahead of time of
death when insured is terminally ill
Acceptance - RIGHT ANS✔✔✔✔Offer has been made and accepted by the company,
or by the client if counter-offer was made
, Accidental bodily injury provision - RIGHT ANS✔✔✔✔Benefits payable when injured
by accidental means
Accidental death and dismemberment - RIGHT ANS✔✔✔✔A plan specifically for accidental
death or loss of body parts
Agent - RIGHT ANS✔✔✔✔Any licensed person who solicits insurance on behalf of an
insurance company
Agent's report - RIGHT ANS✔✔✔✔Part 3 of the application where the agent enters
his/her comments regarding the transaction
Aleatory - RIGHT ANS✔✔✔✔A chance/risk for both of the parties. It never works out to
be equal
Alien insurer - RIGHT ANS✔✔✔✔Insurance company is located outside the USA
Ambulatory surgery - RIGHT ANS✔✔✔✔A neighborhood clinic commonly less
expensive than the costs from a hospital
