State RegulationsFL specificDifficulty 2/5
A Florida agent forges a policyholder's signature on an insurance application. Under Florida law, this act is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 626.9541(1)(ee), forging or fraudulently using a signature on an insurance application or related document is a third-degree felony, and the violator can also face a fine of up to $187,500 under Florida's unfair trade practice penalty provisions. This criminal treatment reflects how seriously Florida treats signature forgery in insurance transactions.
Why the other options are wrong
- B) Signature forgery is a crime under Fla. Stat. 626.9541(1)(ee), not a matter resolved by a mere reprimand.
- C) Later ratification by the policyholder does not erase the forgery; the offense is complete when the forged signature is used.
- D) A first-degree misdemeanor is the grade assigned to offenses such as twisting or churning under Fla. Stat. 626.9541(1)(l); forgery is a third-degree felony.
Memory hook
Forged signature = felony number three.