State RegulationsFL specificDifficulty 2/5
When a Florida agent takes an insurance application from a prospect, which practice complies with Florida law?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 626, Florida Statutes, an agent taking an application must record the applicant's answers accurately, have the applicant sign the application, and forward it promptly to the insurer, because the application becomes part of the contract and the basis for underwriting. The agent is the insurer's representative and must not supply, alter, or 'improve' answers on the applicant's behalf. Alterations after the fact without the applicant's knowledge can constitute misrepresentation and are grounds for Department of Financial Services discipline.
Why the other options are wrong
- A) An agent may not fill in unanswered questions with assumed answers; the applicant must supply the information.
- B) Agents do not pre-approve underwriting; the application must go promptly to the insurer for its decision.
- D) Changing the applicant's answers after submission without notice is an alteration and misrepresentation, not a permitted correction.
Memory hook
Write what they said, sign, send.