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Florida Health and Life Insurance Exam
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Florida Health and Life Insurance Exam
- According to Mandatory Uniform Policy Provisions, what is the maximum amount of time
after the premium due date during which the policy remains in force even though the premium has not been paid?
Answer: 31 days
- G purchased a Family Income policy at age 40. The policy has a 20-year rider period. If G
were to die at age 50, how long would G's family receive an income?
Answer: 10 years
- E and F are business partners. Each takes out a $500,000 life insurance policy on the other,
naming himself as primary beneficiary. E and F eventually terminate their business, and four months later E dies. Although E was married with three children at the time of death, the primary beneficiary is still F. However, an insurable interest no longer exists. Where will the proceeds from E's life insurance policy be directed to?
Answer: F
- The Health Insurance Portability and Accountability Act (HIPAA) gives pri- vacy
protection for:
Answer: health information
- What do Dread Disease policies cover?
Answer: A specific disease or illness
- When an insurance application is taken by a producer, which of these statements is true?
Answer: Any changes made on the application require the applicant's initials
- A student pilot can pay regular premium costs for her life insurance policy with the addition
of which of the following?
Answer: Aviation exclusion
- What is the consideration given by an insurer in the Consideration clause of a life policy?
Answer: Promise to pay a death benefit to a named beneficiary
- Which of the following reimburses its insureds for covered medical expenses?
Answer: Commercial insurers
- Under Florida law, which of the following provisions is NOT required in a Medicare
Supplement policy?
Answer: Limitation on pre-existing conditions for up to 12 months
- Which organization was established to provide funds to protect an insured in the event of an
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insurer's insolvency?
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