Florida Insurance Regulations Practice Questions — Page 9 of 12
600 free Florida-specific insurance regulation questions for the Florida Life & Health exam — page 9.
- 401.Under Florida law, what is an unlicensed entity with respect to insurance?Difficulty 1/5FL specific
- 402.A Florida agent's client finalized her divorce last month. What should the agent recommend regarding her li…Difficulty 2/5FL specific
- 403.A Florida resident applies for an ordinary individual whole life policy. What free-look (right-of-return) p…Difficulty 1/5FL specific
- 404.A Florida consumer returns her Medicare supplement policy within the free-look period. What refund is she e…Difficulty 2/5FL specific
- 405.At the conclusion of an investigation, the Office of Financial Regulation finds that a Tampa consumer finan…Difficulty 2/5FL specific
- 406.Under a Florida blanket health policy, when does an individual member's coverage terminate?Difficulty 2/5FL specific
- 407.A Florida insurance agency operates an office with several licensed agents handling client business. What r…Difficulty 2/5FL specific
- 408.In an OIR proceeding, a Florida insurer faces an administrative penalty in lieu of license revocation for a…Difficulty 2/5FL specific
- 409.An agent faces a DFS administrative action for mishandling premiums, and prosecutors have also charged the …Difficulty 2/5FL specific
- 410.What information does the Medicare supplement Buyer's Guide provide to Florida consumers?Difficulty 1/5FL specific
- 411.What is 'churning' under Florida insurance law?Difficulty 1/5FL specific
- 412.A Florida business owner assigns his life policy to a bank as security for a business loan. What type of as…Difficulty 2/5FL specific
- 413.Under Florida's Small Employer Rating, Renewability and Portability Act requirements, the renewability prot…Difficulty 1/5FL specific
- 414.When a license applicant files the application with the DFS, the required license application fee is:Difficulty 1/5FL specific
- 415.Under Florida law, what is the general effect of a policyowner's divorce on a life insurance beneficiary de…Difficulty 1/5FL specific
- 416.On what ground may the Office of Insurance Regulation disapprove a policy form that an insurer has filed?Difficulty 3/5FL specific
- 417.A Florida insurer's advertisement for a long-term care policy describes benefits that are far broader than …Difficulty 1/5FL specific
- 418.Which of the following agent statements is a misrepresentation under Florida law?Difficulty 2/5FL specific
- 419.In Florida long-term care insurance, what does case management refer to?Difficulty 1/5FL specific
- 420.Under Chapter 636, Florida Statutes, a prepaid (limited) health service organization is best described as a…Difficulty 1/5FL specific
- 421.An agent in Florida is deciding whether a contemplated exchange of policies requires a replacement notice u…Difficulty 3/5FL specific
- 422.Why did Florida standardize Medicare supplement benefits into lettered plans?Difficulty 1/5FL specific
- 423.An insurer is incorporated in New York under New York law and is authorized to sell policies in Miami. How …Difficulty 2/5FL specific
- 424.A Florida mutual insurance company differs from a stock insurance company primarily because:Difficulty 2/5FL specific
- 425.Under current Florida law, what is the maximum administrative penalty for a willful unfair trade practice v…Difficulty 3/5FL specific
- 426.Under Fla. Stat. 631.717(12), the Florida Life & Health Insurance Guaranty Association's per-person limit f…Difficulty 1/5FL specific
- 427.A policyowner believes her insurer wrongly denied a claim and cannot get a clear explanation of the denial.…Difficulty 2/5FL specific
- 428.Before a life or health insurance policy form may be marketed in Florida, the Office of Insurance Regulatio…Difficulty 1/5FL specific
- 429.Which statement about a Florida agent's fiduciary account is correct?Difficulty 3/5FL specific
- 430.A Miami policyowner decides she does not want her newly delivered ordinary individual life policy and retur…Difficulty 2/5FL specific
- 431.Before a Florida insurer may use a new life insurance policy form in the market, what must happen?Difficulty 1/5FL specific
- 432.Under Florida's replacement rules, how long must the replacing insurer keep the signed replacement statemen…Difficulty 2/5FL specific
- 433.A Florida insurance company is declared insolvent and the court orders liquidation. In the receivership, th…Difficulty 2/5FL specific
- 434.Which of the following is an unfair claim settlement practice under Florida law?Difficulty 1/5FL specific
- 435.A Miami business owner collateralized her life policy for a bank loan and has now repaid it in full. What i…Difficulty 3/5FL specific
- 436.During a period of continued group health coverage after an employee's termination in Florida, who is respo…Difficulty 2/5FL specific
- 437.A Florida life insurer pays a premium to another authorized insurer to cover part of the death benefit risk…Difficulty 2/5FL specific
- 438.Under Florida law, what is the maximum exclusion period for a preexisting condition in a Medicare supplemen…Difficulty 1/5FL specific
- 439.A Florida insured dies 10 days into the policy's grace period with the overdue premium still unpaid. How mu…Difficulty 2/5FL specific
- 440.Under Florida law, what is a fraternal benefit society?Difficulty 1/5FL specific
- 441.In Florida, which agency processes applications for insurance agent and adjuster licenses and maintains lic…Difficulty 1/5FL specific
- 442.A Florida agent forgets to deliver the Buyer's Guide and Policy Summary, and the insurer accepts the initia…Difficulty 2/5FL specific
- 443.In which situation is a Florida agent NOT required to give a notice of replacement?Difficulty 3/5FL specific
- 444.A Florida business owner with substantial personal debts names her daughter as beneficiary of her individua…Difficulty 1/5FL specific
- 445.A licensed Florida agent is completing the sale of a long-term care insurance policy. Under Florida law, wh…Difficulty 1/5FL specific
- 446.A newly hired employee becomes eligible for her company's Florida group health plan. What document evidence…Difficulty 2/5FL specific
- 447.A Florida applicant fails the life and health licensing examination. What limits apply to retaking it?Difficulty 1/5FL specific
- 448.During the free-look period, a Florida owner returns a variable annuity whose market-value-adjusted cash va…Difficulty 2/5FL specific
- 449.Which statement correctly distinguishes a Florida PPO from an HMO?Difficulty 3/5FL specific
- 450.Which statement about the benefit plans a Florida small employer carrier offers is correct?Difficulty 2/5FL specific