Florida Health and Life Insurance State
Exam Part 1 (Pearson) — 2025/2026
Edition | 150 Verified Questions &
Correct Answers
Real Exam-Based Questions and Verified Answers | 100% Accuracy | Florida Licensing Exam |
Graded A+
Introduction
This verified resource features 150 official-style multiple-choice questions with correct
answers from Part 1 of the Florida Health and Life Insurance State Exam —
2025/2026 Edition (Pearson). Topics covered include life insurance policies,
annuities, health insurance plans, policy provisions, Florida-specific statutes, and
federal regulations. Designed for candidates seeking licensure as life and health insurance
producers in Florida, this guide mirrors the exam’s structure (150 questions, 2 hours) and
emphasizes application-based scenarios. Questions are verified to ensure 100% accuracy,
preparing candidates to pass with confidence and achieve a Graded A+ outcome, in compliance
with Florida Statutes (Chapter 626, Florida Insurance Code) and federal regulations.
Answer Format
All correct answers are clearly marked in bold and green for efficient review and confident
preparation.
Florida Life & Health Insurance Practice Test |
2025/2026 Verified 150 Q&A
1. In Florida, a life insurance policy’s incontestability period is limited to:
a) 1 year
b) 2 years
c) 3 years
,d) 5 years
b) 2 years
Rationale: Per Florida Statute 627.455, the incontestability clause prevents insurers from
denying claims after 2 years, except for non-payment of premiums.
2. A Florida producer must complete how many hours of continuing
education biennially to maintain a life and health license?
a) 12 hours
b) 24 hours
c) 30 hours
d) 40 hours
b) 24 hours
Rationale: Florida Statute 626.2815 requires 24 hours of continuing education every 2 years,
including ethics and law updates.
3. Which of the following is considered an unfair trade practice in Florida?
a) Providing accurate policy disclosures
b) Misrepresenting policy benefits
c) Offering premium discounts for referrals
d) Submitting complete applications
b) Misrepresenting policy benefits
Rationale: Florida Statute 626.9541 prohibits misrepresentation of policy terms as an unfair
trade practice.
4. In Florida, a life insurance policy’s Free Look period is:
a) 7 days
b) 10 days
c) 14 days
d) 30 days
c) 14 days
Rationale: Florida Statute 627.410 requires a 14-day Free Look period for life insurance policies,
allowing a full refund if returned.
5. A Florida health insurance policy’s grace period for monthly premium
payments is:
a) 7 days
b) 10 days
c) 31 days
d) 60 days
b) 10 days
Rationale: Florida Statute 627.608 mandates a minimum 10-day grace period for monthly
health insurance premiums.
6. In Florida, a life insurance replacement requires the producer to
provide:
a) A new medical exam
,b) A replacement notice
c) A guaranteed issue policy
d) A premium refund
b) A replacement notice
Rationale: Florida Rule 69O-204.020 requires a replacement notice to inform the insured of the
implications of replacing a policy.
7. Which rider allows a Florida policyowner to purchase additional life
insurance without evidence of insurability?
a) Waiver of premium
b) Guaranteed insurability
c) Accidental death benefit
d) Cost of living
b) Guaranteed insurability
Rationale: The guaranteed insurability rider allows future purchases at specified intervals
without medical exams.
8. In Florida, a health insurance policy’s pre-existing condition exclusion is
prohibited under:
a) COBRA
b) Affordable Care Act
c) ERISA
d) HIPAA
b) Affordable Care Act
Rationale: The ACA, enforced in Florida, prohibits pre-existing condition exclusions in most
health plans.
9. A Florida life insurance policy’s suicide clause limits benefits for how
long?
a) 1 year
b) 2 years
c) 3 years
d) 5 years
b) 2 years
Rationale: Florida Statute 627.460 limits benefits (often to premiums paid) if suicide occurs
within 2 years.
10. In Florida, a producer selling variable life insurance must hold:
a) A life insurance license only
b) A securities license
c) A health insurance license
d) No additional license
b) A securities license
Rationale: Florida Statute 626.9911 requires a securities license (e.g., Series 6 or 7) for variable
products due to investment components.
, 11. A Florida health insurance policy’s coordination of benefits provision
prevents:
a) Policy lapse
b) Duplicate payments
c) Premium increases
d) Claim denials
b) Duplicate payments
Rationale: Florida Rule 69O-154.004 ensures coordination of benefits to avoid overpayment by
multiple insurers.
12. In Florida, a life insurance policy’s cash value loan interest is:
a) Tax-deductible
b) Added to the loan balance
c) Waived annually
d) Paid by the insurer
b) Added to the loan balance
Rationale: Unpaid loan interest is added to the principal, reducing cash value, per standard
policy terms.
13. A Florida health insurance policy’s dependent coverage extends to age:
a) 18
b) 21
c) 26
d) 30
c) 26
Rationale: Florida Statute 627.6562, aligned with the ACA, allows dependents to stay on plans
until age 26.
14. In Florida, a life insurance policy’s accelerated death benefit rider is
triggered by:
a) Policy lapse
b) Terminal illness
c) Premium default
d) Beneficiary death
b) Terminal illness
Rationale: Florida Statute 627.679 allows early payouts for terminally ill insureds.
15. A Florida producer must report a change of address to the Department
of Financial Services within:
a) 10 days
b) 30 days
c) 60 days
d) 90 days
b) 30 days
Rationale: Florida Statute 626.551 requires address changes to be reported within 30 days.
Exam Part 1 (Pearson) — 2025/2026
Edition | 150 Verified Questions &
Correct Answers
Real Exam-Based Questions and Verified Answers | 100% Accuracy | Florida Licensing Exam |
Graded A+
Introduction
This verified resource features 150 official-style multiple-choice questions with correct
answers from Part 1 of the Florida Health and Life Insurance State Exam —
2025/2026 Edition (Pearson). Topics covered include life insurance policies,
annuities, health insurance plans, policy provisions, Florida-specific statutes, and
federal regulations. Designed for candidates seeking licensure as life and health insurance
producers in Florida, this guide mirrors the exam’s structure (150 questions, 2 hours) and
emphasizes application-based scenarios. Questions are verified to ensure 100% accuracy,
preparing candidates to pass with confidence and achieve a Graded A+ outcome, in compliance
with Florida Statutes (Chapter 626, Florida Insurance Code) and federal regulations.
Answer Format
All correct answers are clearly marked in bold and green for efficient review and confident
preparation.
Florida Life & Health Insurance Practice Test |
2025/2026 Verified 150 Q&A
1. In Florida, a life insurance policy’s incontestability period is limited to:
a) 1 year
b) 2 years
c) 3 years
,d) 5 years
b) 2 years
Rationale: Per Florida Statute 627.455, the incontestability clause prevents insurers from
denying claims after 2 years, except for non-payment of premiums.
2. A Florida producer must complete how many hours of continuing
education biennially to maintain a life and health license?
a) 12 hours
b) 24 hours
c) 30 hours
d) 40 hours
b) 24 hours
Rationale: Florida Statute 626.2815 requires 24 hours of continuing education every 2 years,
including ethics and law updates.
3. Which of the following is considered an unfair trade practice in Florida?
a) Providing accurate policy disclosures
b) Misrepresenting policy benefits
c) Offering premium discounts for referrals
d) Submitting complete applications
b) Misrepresenting policy benefits
Rationale: Florida Statute 626.9541 prohibits misrepresentation of policy terms as an unfair
trade practice.
4. In Florida, a life insurance policy’s Free Look period is:
a) 7 days
b) 10 days
c) 14 days
d) 30 days
c) 14 days
Rationale: Florida Statute 627.410 requires a 14-day Free Look period for life insurance policies,
allowing a full refund if returned.
5. A Florida health insurance policy’s grace period for monthly premium
payments is:
a) 7 days
b) 10 days
c) 31 days
d) 60 days
b) 10 days
Rationale: Florida Statute 627.608 mandates a minimum 10-day grace period for monthly
health insurance premiums.
6. In Florida, a life insurance replacement requires the producer to
provide:
a) A new medical exam
,b) A replacement notice
c) A guaranteed issue policy
d) A premium refund
b) A replacement notice
Rationale: Florida Rule 69O-204.020 requires a replacement notice to inform the insured of the
implications of replacing a policy.
7. Which rider allows a Florida policyowner to purchase additional life
insurance without evidence of insurability?
a) Waiver of premium
b) Guaranteed insurability
c) Accidental death benefit
d) Cost of living
b) Guaranteed insurability
Rationale: The guaranteed insurability rider allows future purchases at specified intervals
without medical exams.
8. In Florida, a health insurance policy’s pre-existing condition exclusion is
prohibited under:
a) COBRA
b) Affordable Care Act
c) ERISA
d) HIPAA
b) Affordable Care Act
Rationale: The ACA, enforced in Florida, prohibits pre-existing condition exclusions in most
health plans.
9. A Florida life insurance policy’s suicide clause limits benefits for how
long?
a) 1 year
b) 2 years
c) 3 years
d) 5 years
b) 2 years
Rationale: Florida Statute 627.460 limits benefits (often to premiums paid) if suicide occurs
within 2 years.
10. In Florida, a producer selling variable life insurance must hold:
a) A life insurance license only
b) A securities license
c) A health insurance license
d) No additional license
b) A securities license
Rationale: Florida Statute 626.9911 requires a securities license (e.g., Series 6 or 7) for variable
products due to investment components.
, 11. A Florida health insurance policy’s coordination of benefits provision
prevents:
a) Policy lapse
b) Duplicate payments
c) Premium increases
d) Claim denials
b) Duplicate payments
Rationale: Florida Rule 69O-154.004 ensures coordination of benefits to avoid overpayment by
multiple insurers.
12. In Florida, a life insurance policy’s cash value loan interest is:
a) Tax-deductible
b) Added to the loan balance
c) Waived annually
d) Paid by the insurer
b) Added to the loan balance
Rationale: Unpaid loan interest is added to the principal, reducing cash value, per standard
policy terms.
13. A Florida health insurance policy’s dependent coverage extends to age:
a) 18
b) 21
c) 26
d) 30
c) 26
Rationale: Florida Statute 627.6562, aligned with the ACA, allows dependents to stay on plans
until age 26.
14. In Florida, a life insurance policy’s accelerated death benefit rider is
triggered by:
a) Policy lapse
b) Terminal illness
c) Premium default
d) Beneficiary death
b) Terminal illness
Rationale: Florida Statute 627.679 allows early payouts for terminally ill insureds.
15. A Florida producer must report a change of address to the Department
of Financial Services within:
a) 10 days
b) 30 days
c) 60 days
d) 90 days
b) 30 days
Rationale: Florida Statute 626.551 requires address changes to be reported within 30 days.
