State RegulationsFL specificDifficulty 1/5
Which of the following is a core marketing responsibility of a Florida life insurance agent?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 626, Florida Statutes, agents marketing life insurance must accurately represent the terms and benefits of the policies they sell, and misrepresenting policy provisions is an unfair trade practice the Department of Financial Services (DFS) can punish. The agent is the insurer's field representative, so false statements about coverage, exclusions, dividends, or guarantees mislead consumers and jeopardize the agent's license.
Why the other options are wrong
- B) Concealing or passively omitting material exclusions deceives the applicant and constitutes a misrepresentation the DFS treats as an unfair trade practice.
- C) Agents have no authority to alter the insurer's contract terms; only the insurer itself can modify policy provisions.
- D) Selling on price alone, without regard to the applicant's needs, ignores the agent's duty to recommend appropriate coverage.
Memory hook
The agent owns every statement made in the sale - say it straight.