1
EXCEL 2-15 FLORIDA LIFE & HEALTH STATE EXAM LATEST
UPDATES -2025/2026- ACTUAL QUESTIONS WITH VERIFIED
ANSWERS ALREADY GRADED A+ GUARANTEED SUCCESS
what is required in the Florida Employee Health Care Access Act
small group benefit plans are to be issued on a guarantee issue basis
3 multiple choice options
P is a forty year old woman and would like to purchase an annuity that will
provide a lifetime income stream beginning at age sixty. Which of the following
did she NOT buy?
an immediate annuity
3 multiple choice options
an insureds inability to perform two or more activities of daily living may trigger
which type of life policy rider
long term care
3 multiple choice options
, 2
B recently died and was insured with a life insurance policy for over five years.
During the claims process, the insurer discovered that B had understated his age
by 5 years at the time of application. In this situation, the insurer will
pay the amount that the premium would have purchased at the correct age
3 multiple choice options
what action can a policyowner take if an application for a bank loan requires
collateral
assign policy ownership to the bank
3 multiple choice options
the situation in which a group of physicians are salaried employees and conduct
business in an hmo facility is called
closed panel
3 multiple choice options
T sends proof of loss to her insurer for an acceptable medical expense claim under
her individual Health Insurance policy. Upon receipt, the insurer must pay the
benefits
immediately
3 multiple choice options
, 3
an application for medicare supplement coverage may not be denied by the
insurer if the application was submitted within ______ month(s) after the
applicant reaches the age 65
six
3 multiple choice options
when a policyowner cash surrenders a universal life insurance policy in its early
years, this may be considered a red flag for a(n)
anti money laundering violation
3 multiple choice options
When is a Group Health policy required to provide coverage for a newborn child?
at the moment of birth
3 multiple choice options
which of the following situations does not apply to the florida replacement rule
an existing policyholder purchases an additional policy from the same insurer
3 multiple choice options
under a renewable term policy
the renewal premium is calculated on the basis of the insured's attained age
, 4
3 multiple choice options
D owns a Whole Life policy that was purchased 10 years ago. If the premium
payments suddenly stop and D takes no additional action, which Nonforfeiture
Option will the insurer likely proceed with?
extended term
3 multiple choice options
In Florida, which employee is eligible for an employer's group term life plan?
employee who works more than 40 hours per week
3 multiple choice options
which of the following statements is correct regarding an employer/employee
group health plan
the employer receives a master policy and the employees receive certificates
3 multiple choice options
all of the following statements regarding a tax sheltered annuity (tsa) are true
except
income derived from the tsa is received income tax free
3 multiple choice options
EXCEL 2-15 FLORIDA LIFE & HEALTH STATE EXAM LATEST
UPDATES -2025/2026- ACTUAL QUESTIONS WITH VERIFIED
ANSWERS ALREADY GRADED A+ GUARANTEED SUCCESS
what is required in the Florida Employee Health Care Access Act
small group benefit plans are to be issued on a guarantee issue basis
3 multiple choice options
P is a forty year old woman and would like to purchase an annuity that will
provide a lifetime income stream beginning at age sixty. Which of the following
did she NOT buy?
an immediate annuity
3 multiple choice options
an insureds inability to perform two or more activities of daily living may trigger
which type of life policy rider
long term care
3 multiple choice options
, 2
B recently died and was insured with a life insurance policy for over five years.
During the claims process, the insurer discovered that B had understated his age
by 5 years at the time of application. In this situation, the insurer will
pay the amount that the premium would have purchased at the correct age
3 multiple choice options
what action can a policyowner take if an application for a bank loan requires
collateral
assign policy ownership to the bank
3 multiple choice options
the situation in which a group of physicians are salaried employees and conduct
business in an hmo facility is called
closed panel
3 multiple choice options
T sends proof of loss to her insurer for an acceptable medical expense claim under
her individual Health Insurance policy. Upon receipt, the insurer must pay the
benefits
immediately
3 multiple choice options
, 3
an application for medicare supplement coverage may not be denied by the
insurer if the application was submitted within ______ month(s) after the
applicant reaches the age 65
six
3 multiple choice options
when a policyowner cash surrenders a universal life insurance policy in its early
years, this may be considered a red flag for a(n)
anti money laundering violation
3 multiple choice options
When is a Group Health policy required to provide coverage for a newborn child?
at the moment of birth
3 multiple choice options
which of the following situations does not apply to the florida replacement rule
an existing policyholder purchases an additional policy from the same insurer
3 multiple choice options
under a renewable term policy
the renewal premium is calculated on the basis of the insured's attained age
, 4
3 multiple choice options
D owns a Whole Life policy that was purchased 10 years ago. If the premium
payments suddenly stop and D takes no additional action, which Nonforfeiture
Option will the insurer likely proceed with?
extended term
3 multiple choice options
In Florida, which employee is eligible for an employer's group term life plan?
employee who works more than 40 hours per week
3 multiple choice options
which of the following statements is correct regarding an employer/employee
group health plan
the employer receives a master policy and the employees receive certificates
3 multiple choice options
all of the following statements regarding a tax sheltered annuity (tsa) are true
except
income derived from the tsa is received income tax free
3 multiple choice options
