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Florida Health and Life Insurance State Exam Practice Part 1/ 149 Q&A. $9.99
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Florida Health and Life Insurance State Exam Practice Part 1/ 149 Q&A.
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Florida Health and Life Insurance State Exam Practice Part 1/ 149 Q&A. Terms like: Which Accident and Health policy provision addresses preexisting conditions? - Answer: Time Limit on Certain Defenses Which of the following individual health insurance policies will provide the broadest prote...

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  • September 30, 2024
  • 23
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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  • florida health and life insurance

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  • Florida Health and Life Insurance
  • Florida Health and Life Insurance

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Florida Health and Life Insurance State Exam
Practice Part 1/ 149 Q&A.
Which Accident and Health policy provision addresses preexisting conditions? -
Answer: Time Limit on Certain Defenses


Which of the following individual health insurance policies will provide the
broadest protection? - Answer: Major Medical


Which of the following situations does NOT apply to the Florida Replacement
Rule? - Answer: An existing policyholder purchases an additional policy from the
same insurer




Page 1 of 23

,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: Return to the
customer, collect a new check made out to the insurance company, and send the
new check out to the insurance company


Under which of the following circumstances will the benefits under COBRA
continuation coverage end? - Answer: All group health plans are terminated by
the employer


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 change the premium
rate for the overall risk class? - Answer: Garunteed Renewable


An incomplete life insurance application submitted to an insurer will result in
which of these actions? - Answer: Application will be returned to the writting
agent


The waiting period for a pre-existing condition under a Medicare Supplement
policy may NOT go beyond - Answer: 6 Months


Which of these statements is INCORRECT regarding the federal income tax
treatment of life insurance? - Answer: Entire cash surrender value is taxable



Page 2 of 23

, Which of these is considered a mandatory provision? - Answer: Payment of Claims


Which of the following actions will an insurance company most likely NOT take if
an applicant, who has diabetes, applies for a Disability Income policy? - Answer:
Issue the policy with an altered Time of Payment of Claims provision


Which of the following phrases refers to the fees charged by a healthcare
professional? - Answer: Usual, customary, and reasonable expenses


D was actively serving in the Marines when he was killed in an automobile
accident while on leave. His $100,000 Whole life policy contains a War Exclusion
clause. How much will D's beneficiary's receive? - Answer: The full face amount


N is covered under an individual Disability policy with a 30-day Elimination period
and a monthly benefit of $500. N is totally disabled for 3 1/2 months. N's total
benefit received on this claim is: - Answer: $1,250


No benefits are available during the elimination period.


Who does an agent represent during the solicitation or insurance? - Answer: The
insurance company


Which of the following costs would a Basic Hospital/Surgical policy likely cover? -
Answer: Sugically removing a facial birthmark



Page 3 of 23

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