Complete; Florida 2-15 Insurance License Exams| Florida 2-15 Health and Life License Exams All with Correct Answers / Guarantee Guide 2023/2024
FLORIDA 2-15 INSURANCE LICENSE EXAM
1
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Complete; Florida 2-15 Insurance License Exams|
Florida 2-15 Health and Life License Exams All
with Correct Answers / Guarantee Guide
2023/2024
Table of Contents
FLORIDA 2-15 INSURANCE LICENSE EXAM LATEST REAL EXAM| Multiple Choices| Rationale ………2
Florida 2-15 Insurance License Exam………………………………………………………………………………. 54
Florida 2-15 Insurance License Exam| Multiple Choices| Rationale………………………………………. 68
Florida 2-15 Questions and Answers…………………………………………………………………………….. 105
Florida 2-15 Exam …………………………………………………………………………………………………….. 111
FLORIDA 2-15 INSURANCE LICENSE EXAM| Multiple Choices| Rationale……………………………… 117
Florida 2-15 Health & Life License – Section #1|Multiple Choices| Rationale ………………………… 133
Florida Insurance 2-15 License Exam| Multiple Choices……………………………………………………. 150
Florida Insurance Exam (2-15) …………………………………………………………………………………….. 177
Florida Life and Health Insurance State Exam Review (2-15)……………………………………………… 192
Florida Life and Health Insurance State Exam Review (2-15)……………………………………………… 230
Life and Health Insurance- Florida 2-15| 200 Questions……………………………………………………. 245
FLORIDA 2-15 INSURANCE LICENSE EXAM
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FLORIDA 2-15 INSURANCE LICENSE EXAM LATEST REAL EXAM|
Multiple Choices| Rationale
Which of the following is a difference between the level premium annuity and the
flexible premium annuity?
Select one:
a. The amount of the annuity benefit can be guaranteed.
b. Premiums can be made over time.
c. The purchaser can make premium payments annually.
d. The premium payment amounts can vary.
Rationale: – One of the disadvantages of the flexible premium annuity is that the
annuity benefit amount is not determined in advance.
The correct answer is: The amount of the annuity benefit can be guaranteed.
HDHPs are most often used with a
Select one:
a. HMOs
b. POSs
c. HSAs
d. PPOs
Rationale: – HDHPs (High deductible health plans) are frequently used with a HSA
(Health Savings Account).
The correct answer is: HSAs
A Medicare supplement insurer cannot deny an application for a Medicare
supplement policy if the applicant is both 65 and enrolled in:
Select one:
a. Medicare Part A
b. Medicare Part B
c. Medicare Part C
d. Medicare Part D
Rationale: – A Medicare supplement insurer cannot deny an application for a
Medicare supplement policy if the applicant is both 65 and enrolled in Medicare
Part B.
FLORIDA 2-15 INSURANCE LICENSE EXAM
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The correct answer is: Medicare Part B
Which of the following is not an eligible group for group life insurance?
Select one:
a. Employer
b. Labor union
c. Credit union
d. None of the above
Rationale: – Group life contracts may be issued to employee groups, debtor groups,
labor union groups, trustee groups, association groups, credit union groups,
dependent groups and other groups approved by the department.
The correct answer is: None of the above
Insurance advertisements may not refer to premiums as:
Select one:
a. Remittances
b. Amounts
c. Deposits
d. Payments
Rationale: – Insurance advertisements may not refer to premiums as deposits.
The correct answer is: Deposits
If a potential insured does not attach his initial premium payment to the insurance
application, he is making a legal:
Select one:
a. Counteroffer
b. Contract
c. Inquiry for an offer
d. Offer
Rationale: – If the initial premium payment does not accompany the application,
legally the application is considered an inquiry for an offer.
The correct answer is: Inquiry for an offer
FLORIDA 2-15 INSURANCE LICENSE EXAM
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Florida created the Small Employers Access Program to specifically target
employers with up to how many employees?
Select one:
a. 10
b. 15
c. 20
d. 25
Rationale: – Florida created the Small Employers Access Program to specifically
target employers with up to 25 employees.
The correct answer is: 25
Which of the following statements regarding annual renewal term (ART) policies is
false?
Select one:
a. ART premiums increase each time the policy is renewed.
b. ART usually has a maximum age after which policies are not renewable.
c. ART is guaranteed renewable on an annual basis with proof of insurability.
d. ART policies have a level face amount.
Rationale: – ART policies are guaranteed renewable (until a certain age) without
proof of insurability.
The correct answer is: ART is guaranteed renewable on an annual basis with proof
of insurability.
A contract prepared by only one party is called:
Select one:
a. Conditional
b. Adhesion
c. Unilateral
d. Aleatory
Rationale: – Insurance contracts are contracts of adhesion. In a contract of adhesion
there is only one author, the insurance company.
The correct answer is: Adhesion
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