Florida Insurance Regulations Practice Questions — Page 3 of 12
600 free Florida-specific insurance regulation questions for the Florida Life & Health exam — page 3.
- 101.In Florida, when is an insurance agency license required?Difficulty 1/5FL specific
- 102.Under Florida's replacement rules, what must accompany an application that will replace an existing life in…Difficulty 1/5FL specific
- 103.A Florida senior hesitates to switch Medicare supplement policies because she fears her diabetes waiting pe…Difficulty 2/5FL specific
- 104.Under Florida law, may an insurer cancel or refuse to renew a long-term care policy because the insured has…Difficulty 2/5FL specific
- 105.What is the purpose of a market conduct examination conducted by the Office of Insurance Regulation?Difficulty 1/5FL specific
- 106.An elderly Tampa policyowner worries that if he forgets a premium, his policy will lapse before his daughte…Difficulty 2/5FL specific
- 107.In presenting a Medicare supplement policy to a Florida consumer, what must the agent do with the outline o…Difficulty 2/5FL specific
- 108.A Florida policyowner chooses the cash surrender nonforfeiture option. What happens?Difficulty 1/5FL specific
- 109.A Florida health policy was issued more than 2 years ago. Under Fla. Stat. 627.607, after the time limit on…Difficulty 3/5FL specific
- 110.A newly licensed Florida agent writes nearly all of his business on his own real estate holdings and on com…Difficulty 2/5FL specific
- 111.When recommending an annuity to a Florida consumer, what standard must the agent's recommendation meet?Difficulty 1/5FL specific
- 112.A Florida health insurer wants to change the premium rates and revise the policy form for a product sold in…Difficulty 2/5FL specific
- 113.An insurer organized under the laws of the United Kingdom holds a Florida certificate of authority and tran…Difficulty 3/5FL specific
- 114.After a Miami agency owner dies suddenly, his longtime employee applies for a temporary license to service …Difficulty 2/5FL specific
- 115.What must a departing Florida employee do to actually obtain the individual policy through the group life c…Difficulty 2/5FL specific
- 116.Under Fla. Stat. 626.9601, what may the Department of Financial Services impose on a licensee who violates …Difficulty 1/5FL specific
- 117.How do Florida's grace period rules differ for an individual annuity contract compared with a life insuranc…Difficulty 3/5FL specific
- 118.A Florida consumer asks why he should buy private long-term care insurance when Medicaid pays for long-term…Difficulty 3/5FL specific
- 119.What is the legal effect of notices the insurer mails to the secondary addressee of a Florida life policy?Difficulty 2/5FL specific
- 120.A Florida employee transfers from a covered class into a position that is not covered by her employer's gro…Difficulty 2/5FL specific
- 121.A dependent child is covered under both parents' Florida group health plans, the child is not the plan subs…Difficulty 3/5FL specific
- 122.Which Florida agents may satisfy continuing education with only 10 hours, including the 4-hour update cours…Difficulty 3/5FL specific
- 123.Which statement best describes how Florida's licensing system protects insurance consumers?Difficulty 2/5FL specific
- 124.A Florida agent's supervising agent dies suddenly. Under what conditions may the agent's employee be issued…Difficulty 2/5FL specific
- 125.Which practice by a Florida agent is permitted in marketing an insurance policy?Difficulty 2/5FL specific
- 126.In Florida insurance terminology, what is a domestic company?Difficulty 1/5FL specific
- 127.To which materials do Florida's Medicare supplement advertising standards apply?Difficulty 1/5FL specific
- 128.After a member insurer is liquidated, the Florida Insurance Guaranty Association covers basic hospital, bas…Difficulty 3/5FL specific
- 129.Which statement about insurance advertising is correct under Florida law?Difficulty 2/5FL specific
- 130.In Florida life insurance, what does an assignment of policy proceeds accomplish?Difficulty 1/5FL specific
- 131.A health insurance policy delivered in Florida contains a provision that conflicts with the state's prohibi…Difficulty 2/5FL specific
- 132.A Florida agent currently represents Insurer A and wants to add appointments with Insurers B and C, which a…Difficulty 1/5FL specific
- 133.Which exclusion is PROHIBITED in a Florida Medicare supplement policy?Difficulty 3/5FL specific
- 134.A Florida consumer buys a discount medical plan membership and then visits a participating physician. What …Difficulty 2/5FL specific
- 135.Under Florida law, what is the maximum rate of interest an annuity contract may charge on an overdue premiu…Difficulty 3/5FL specific
- 136.A Florida agent spreads knowingly false statements about a competing insurer's financial condition to persu…Difficulty 1/5FL specific
- 137.After a hearing, the Office of Insurance Regulation finds that an insurer has repeatedly engaged in an unfa…Difficulty 2/5FL specific
- 138.A Florida applicant completed the 60-hour prelicensing course a while ago and has not yet applied for the l…Difficulty 2/5FL specific
- 139.The applicant in a Florida replacement transaction requests the Comparative Information Form, and the polic…Difficulty 3/5FL specific
- 140.A Florida agent takes a Medicare supplement application during an in-person sales call that is not a direct…Difficulty 1/5FL specific
- 141.A consumer asks a Florida agent how a Medicare Advantage plan differs from original Medicare with a supplem…Difficulty 3/5FL specific
- 142.Under Florida law, who is responsible for paying the $60 appointment and renewal charge when an insurer app…Difficulty 2/5FL specific
- 143.Elena is the irrevocable beneficiary of Dan's Florida life policy. Dan and Elena divorce, and Dan now wants…Difficulty 3/5FL specific
- 144.An agent tells a policyowner that her current insurer is about to stop doing business in Florida and that h…Difficulty 2/5FL specific
- 145.Following a stroke, a Florida policyowner needs help bathing, dressing, and moving from bed to chair, but r…Difficulty 2/5FL specific
- 146.A Florida LTC insured develops dementia, stops opening his mail, and a premium goes unpaid. Under Florida's…Difficulty 2/5FL specific
- 147.A Florida applicant's insurance-related HIV test returns a positive result. Under Florida's HIV and AIDS re…Difficulty 2/5FL specific
- 148.How does a prepaid (limited) health service organization differ from a comprehensive HMO under Florida law?Difficulty 3/5FL specific
- 149.Which of the following is NOT unfair discrimination under Florida law?Difficulty 2/5FL specific
- 150.The Office of Insurance Regulation conducts market conduct examinations of insurers primarily toDifficulty 2/5FL specific