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Florida Insurance Exam questions and answers already graded A+ 2024/2025
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Florida Insurance Exam questions and answers already graded A+ 2024/2025
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Voorbeeld 2 van de 11 pagina's
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Voorbeeld van de inhoud
Florida Insurance ExamThe clause identifying which losses resulting from an accident or sickness are insured by the
policy is called the: - ANSInsuring clause
K applies for a life insurance policy on herself and submits the initial premium with the
application. She is given a receipt by the agent stating that coverage begins immediately if the
application is approved. What kind of receipt was used? - ANSConditional
A life insurance arrangement which circumvents insurable interest statutes is called: -
ANSInvestor-Originated Life Insurance
Which of the following health policy provisions states that the producer does NOT have the
authority to change the policy or waive any of its provisions? - ANSEntire Contract
Within how many days after policy delivery can a Medicare Supplement policy be returned for a
100% premium refund? - ANS30
Which of the following is NOT an unfair claim settlement practice? - ANSNeeding written
documentation of claim details
Who is NOT required to sign a life insurance application? - ANSBeneficiary
To be eligible for Social Security disability benefits, an employee must be unable to perform: -
ANSany occupation
The type of annuity that can be purchased with one monetary deposit is called a(n): -
ANSImmediate annuity
A life insurance application must be signed by all of these, EXCEPT: - ANSbeneficiary
Which of the following is considered an accurate statement of an unfair trade practice? -
ANSTwisting involves an agent using misrepresentation to convince a policyowner to cancel
their current policy so that they can purchase a new life insurance policy with another company
The Accelerated Death Benefit provision in a life insurance policy is also known as a(n): -
ANSLiving Benefit
Which of the following policy features allows an insured to defer current health charges to the
following year's deductible instead of the current year's deducitble? - ANSCarryover provision
, Insurance policies are considered aleatory contracts because - ANSperformance is conditioned
upon a future occurrence
Within how many days must a licensee notify the Department of Financial Services of a change
in address? - ANS30
Which organization was established to provide funds to protect an insured in the event of an
insurer's insolvency? - ANSFlorida Life and Health Insurance Guaranty Association
The clause in an Accident and Health policy which defines the benefit amounts the insurer will
pay is called the: - ANSInsuring clause
When a policyowner cash surrenders a Universal Life insurance policy in it's early years, this
may be considered a red flag for a(n): - ANSAnti-Money Laundering violation
According to the Time Payment of Claims provision, the insurer must pay Disability Income
benefits no less frequently than which of the following options? - ANSMonthly
What would the Medical Information Bureau (MIB) identify? - ANSTesting positive for marijuana
use from a previous screening
How would a contingent beneficiary receive the policy proceeds in an Accidental Death and
Dismemberment (AD&D) policy? - ANSIf the primary beneficiary dies before the insured
Under a Renewable Term policy, - ANSthe renewal premium is calculated on the basis of the
insured's attained age
Which of the following statements is true about most Blue Cross/Blue Shield organizations? -
ANSThey are nonprofit organizations
If a policyowner does not pay the premium by the due date, the - ANSpolicyowner can make the
premium payment during the grace period
According to Florida law, which of the following information does NOT need to be obtained by
an agent recommending an annuity purchase? - ANSMarital status
Which of these characteristics is consistent with a Straight Life policy? - ANSPremiums are
payable for as long as there is insurance coverage in force
P completes an application for a $10,000 life policy, but does not give the producer the initial
premium. P's coverage becomes effective when: - ANSP receives the policy and pays the
premium
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