Florida Health and Life Insurance State
Practice Exam
By ExamNavigator
, Florida Health and Life Insurance State Practice Exam
1. Which Accident and Health policy provision addresses preexisting conditions?
Answer: Time Limit on Certain Defenses
2. Which of the following individual health insurance policies will provide thebroadest
protection?
Answer: Major Medical
3. Which of the following situations does NOT apply to the Florida Replacement Rule?
Answer: An existing policyholder purchases an additional policy from the sameinsurer
4. Agent J takes an application and initial premium from an applicant and sends the
application and premium check to the insurance company. The insurance company returns the
check back to J because the check is made out to J instead of the insurance company. What
action should J take?
Answer: Returnto the customer, collect a new check made out to the insurance company, and
sendthe new check out to the insurance company
5. Under which of the following circumstances will the benefits under COBRA continuation
coverage end?
Answer: All group health plans are terminated by the employ-er
6. Which type of renewability best describes a Disability Income policy that covers an
individual until the age of 65, but the insurer has the right to changethe premium rate for the
overall risk class?
Answer: Garunteed Renewable
7. An incomplete life insurance application submitted to an insurer will resultin which of
these actions?
Answer: Application will be returned to the writing agent
8. The waiting period for a pre-existing condition under a Medicare Supplement policy may
NOT go beyond
Answer: 6 Months
9. Which of these statements is INCORRECT regarding the federal income taxtreatment of life
insurance?
Answer: Entire cash surrender value is taxable
10. Which of these is considered a mandatory provision?
Answer: Payment of Claims
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