State RegulationsFL specificDifficulty 1/5
A consumer needs help understanding a life insurance policy and wants to complain about an agent's conduct. Which division is the state's main contact point?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The Division of Consumer Services within the Florida Department of Financial Services, under the Chief Financial Officer, is the state's primary point of contact for insurance consumers. It answers questions, provides educational materials, and helps consumers resolve complaints against insurers and agents informally and at no charge.
Why the other options are wrong
- B) The Division of Insurance Fraud investigates suspected fraudulent insurance schemes, not routine consumer questions and agent-conduct complaints.
- C) The State Fire Marshal's division investigates fires and suspected arson, not insurance consumer complaints.
- D) The Office of Financial Regulation serves banking and securities consumers, not insurance policyholders.
Memory hook
Confused consumer goes to Consumer Services.