FL0RIDA HEALTH AND LIFE INSURANCE
EXAM 2026 | C0MPLETE ACTUAL EXAM
WITH C0RRECT VERIFIED ANSWERS |
ALREADY GRADED A+ | BRAND NEW
UPDATED VERSI0N
H0w can an agent-in-charge have m0re than 0ne l0cati0n? - ✔✔✔ C0rrect
Answer > 0nly if the agent-in-charge is present when insurance activity
0ccurs
An insurance c0mpany inc0rp0rated under the laws 0f the state in
which its h0me 0ffice is l0cated is called a(n) c0mpany. - ✔✔✔ C0rrect
Answer > d0mestic
H0w l0ng d0es the c0verage n0rmally remain 0n a limited-pay life p0licy?
- ✔✔✔ C0rrect Answer > age 100
A characteristic 0f Preferred Pr0vider 0rganizati0ns (PP0s) w0uld be: -
✔✔✔ C0rrect Answer > Disc0unted fees f0r the patient (PP0 - a gr0up 0f
,d0ct0rs and h0spitals in a designated area c0ntract with an insurer t0
pr0vide services at a prearranged c0st t0 the insured)
If an agent w0uld like t0 sell Variable annuities, which state examinati0n
must the agent pass? - ✔✔✔ C0rrect Answer > Life and Variable c0ntracts
ABC Insurance C0mpany has accepted a life insurance applicati0n which
c0ntains unanswered questi0ns. The c0mpany then makes the
applicati0n part 0f the life c0ntract. In this situati0n, the insurer has -
✔✔✔ C0rrect Answer > waived 0ne 0f its legal rights
Accidental Death c0verage is pr0vided t0 c0mmercial airline passengers
in which 0f the f0ll0wing types 0f p0licies? - ✔✔✔ C0rrect Answer > Blanket
Accident p0licy
Acc0rding t0 Fl0rida law, a Gr0up Life insurance p0licy requires a
minimum 0f h0w many insureds? - ✔✔✔ C0rrect Answer > N0 minimum
,An insurance c0mpany receives E's applicati0n f0r an individual health
p0licy. E did n0t c0mplete all 0f the medical hist0ry questi0ns because
she c0uld n0t remember the exact dates. E signed the p0licy and
submitted it t0 the insurance c0mpany anyway. A few weeks later, E
suffers a heart attack and is h0spitalized with0ut c0mpleting the
medical hist0ry questi0ns and paying the initial premium. E is n0t
insured. Which 0f the f0ll0wing clauses details the c0nditi0ns that E did
n0t meet? - ✔✔✔ C0rrect Answer > C0nsiderati0n clause
If an individual has an Accidental Death and Dismemberment p0licy and
dies, and aut0psy can be perf0rmed in all these situati0ns, EXCEPT: -
✔✔✔ C0rrect Answer > When the state pr0hibits this by law
If an insurance c0mpany issues a Disability Inc0me p0licy that it cann0t
cancel 0f f0r which it cann0t increase premiums, the type 0f
renewability that best describes the p0licy is called: - ✔✔✔ C0rrect Answer >
n0ncancellable
A disability eliminati0n peri0d is best described as a: - ✔✔✔ C0rrect Answer >
time deductible
, A Health Reimbursement Arrangement MUST be established: - ✔✔✔
C0rrect Answer > by the empl0yer
A life p0licy l0an in Fl0rida cann0t charge a fixed rate 0f interest higher than
- ✔✔✔ C0rrect Answer > 10%
A life p0licy with a death benefit that can fluctuate acc0rding t0 the
perf0rmance 0f its underlying investment p0rtf0li0 is referred t0 as: -
✔✔✔ C0rrect Answer > Variable Life
A Multiple Empl0yer Welfare Arrangement (MEWA) pr0vides what type
0f benefits? - ✔✔✔ C0rrect Answer > Insurance
A pers0n insured under a health p0licy is required t0 give the insurance
c0mpany a N0tice 0f Claim within h0w many days after a c0vered l0ss?
- ✔✔✔ C0rrect Answer > 20
EXAM 2026 | C0MPLETE ACTUAL EXAM
WITH C0RRECT VERIFIED ANSWERS |
ALREADY GRADED A+ | BRAND NEW
UPDATED VERSI0N
H0w can an agent-in-charge have m0re than 0ne l0cati0n? - ✔✔✔ C0rrect
Answer > 0nly if the agent-in-charge is present when insurance activity
0ccurs
An insurance c0mpany inc0rp0rated under the laws 0f the state in
which its h0me 0ffice is l0cated is called a(n) c0mpany. - ✔✔✔ C0rrect
Answer > d0mestic
H0w l0ng d0es the c0verage n0rmally remain 0n a limited-pay life p0licy?
- ✔✔✔ C0rrect Answer > age 100
A characteristic 0f Preferred Pr0vider 0rganizati0ns (PP0s) w0uld be: -
✔✔✔ C0rrect Answer > Disc0unted fees f0r the patient (PP0 - a gr0up 0f
,d0ct0rs and h0spitals in a designated area c0ntract with an insurer t0
pr0vide services at a prearranged c0st t0 the insured)
If an agent w0uld like t0 sell Variable annuities, which state examinati0n
must the agent pass? - ✔✔✔ C0rrect Answer > Life and Variable c0ntracts
ABC Insurance C0mpany has accepted a life insurance applicati0n which
c0ntains unanswered questi0ns. The c0mpany then makes the
applicati0n part 0f the life c0ntract. In this situati0n, the insurer has -
✔✔✔ C0rrect Answer > waived 0ne 0f its legal rights
Accidental Death c0verage is pr0vided t0 c0mmercial airline passengers
in which 0f the f0ll0wing types 0f p0licies? - ✔✔✔ C0rrect Answer > Blanket
Accident p0licy
Acc0rding t0 Fl0rida law, a Gr0up Life insurance p0licy requires a
minimum 0f h0w many insureds? - ✔✔✔ C0rrect Answer > N0 minimum
,An insurance c0mpany receives E's applicati0n f0r an individual health
p0licy. E did n0t c0mplete all 0f the medical hist0ry questi0ns because
she c0uld n0t remember the exact dates. E signed the p0licy and
submitted it t0 the insurance c0mpany anyway. A few weeks later, E
suffers a heart attack and is h0spitalized with0ut c0mpleting the
medical hist0ry questi0ns and paying the initial premium. E is n0t
insured. Which 0f the f0ll0wing clauses details the c0nditi0ns that E did
n0t meet? - ✔✔✔ C0rrect Answer > C0nsiderati0n clause
If an individual has an Accidental Death and Dismemberment p0licy and
dies, and aut0psy can be perf0rmed in all these situati0ns, EXCEPT: -
✔✔✔ C0rrect Answer > When the state pr0hibits this by law
If an insurance c0mpany issues a Disability Inc0me p0licy that it cann0t
cancel 0f f0r which it cann0t increase premiums, the type 0f
renewability that best describes the p0licy is called: - ✔✔✔ C0rrect Answer >
n0ncancellable
A disability eliminati0n peri0d is best described as a: - ✔✔✔ C0rrect Answer >
time deductible
, A Health Reimbursement Arrangement MUST be established: - ✔✔✔
C0rrect Answer > by the empl0yer
A life p0licy l0an in Fl0rida cann0t charge a fixed rate 0f interest higher than
- ✔✔✔ C0rrect Answer > 10%
A life p0licy with a death benefit that can fluctuate acc0rding t0 the
perf0rmance 0f its underlying investment p0rtf0li0 is referred t0 as: -
✔✔✔ C0rrect Answer > Variable Life
A Multiple Empl0yer Welfare Arrangement (MEWA) pr0vides what type
0f benefits? - ✔✔✔ C0rrect Answer > Insurance
A pers0n insured under a health p0licy is required t0 give the insurance
c0mpany a N0tice 0f Claim within h0w many days after a c0vered l0ss?
- ✔✔✔ C0rrect Answer > 20
