State RegulationsFL specificDifficulty 2/5
An agent in Miami sells a long-term care policy but never gives the applicant the required buyer's guide or outline of coverage. Under Florida law, this omission is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, long-term care policies carry mandatory disclosure standards, and the agent who sells the policy is responsible for seeing that the applicant receives the required buyer's guide and outline of coverage. A failure to deliver these documents violates Florida insurance law and exposes the agent to Department of Financial Services discipline, including administrative action against the license, so the omission is never a harmless technicality.
Why the other options are wrong
- A) Disclosure documents are mandatory under Florida long-term care standards, not optional sales aids left to the agent's discretion.
- B) Eventual delivery of the policy does not cure the failure to give the applicant the required disclosure materials in connection with the sale.
- D) Agents share the disclosure duty with insurers in Florida; the DFS can pursue the selling agent's license for the failure.
Memory hook
Skip the disclosure, risk your license.