Free Florida Accident & Health Insurance Practice Exam 1
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Florida insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 125 Questions
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Health InsuranceLong-Term Care Insurance
The levels of long-term care, ranked from most intensive to least intensive, are:
Health InsuranceDisability Insurance
How are benefits received from a Business Overhead Expense (BOE) policy taxed?
Health InsuranceHSAs HRAs and FSAs
Which of the following would disqualify an individual from contributing to a Health Savings Account (HSA)?
Health InsuranceLong-Term Care Insurance
Which of the following government programs is the largest single payer for long-term care services in the U.S.?
FL Insurance Law & EthicsLicensing & Conduct
Under Florida law, which entity appoints the state's Chief Financial Officer who oversees the DFS?
Health InsuranceACA / PPACA
How do Florida residents access the health insurance marketplace established under the ACA?
Health InsuranceTypes of Policies
What is a 'dread disease' or 'limited risk' policy?
FL Insurance Law & EthicsLicensing & Conduct
How many hours of continuing education (CE) must a Florida insurance agent complete each reporting period?
Health InsuranceACA / PPACA
Which ACA provision requires health plans to cover certain preventive services without any cost-sharing to the insured?
General InsuranceUnderwriting & Policy Issuance
Which of the following is NOT a primary factor in underwriting a life insurance policy?
Health InsuranceLong-Term Care Insurance
What does a 'bed reservation' benefit in an LTC policy provide?
FL Insurance Law & EthicsFL Guaranty Association & Consumer Protection
Under Florida law, the Office of Insurance Regulation (OIR) is primarily responsible for:
Health InsuranceHealth Policy Provisions
The optional 'Change of Occupation' provision allows the insurer to adjust benefits if the insured changes to:
General InsuranceUnderwriting & Policy Issuance
If an underwriter discovers an applicant has a hazardous hobby, they are most likely to:
Health InsuranceMedicare & Medicaid
For a dual eligible, Florida Medicaid will often pay for what Medicare cost?
General InsuranceBasic Principles
Which of the following best describes the principle of indemnification?
Health InsuranceHealth Policy Provisions
Under the mandatory 'Proof of Loss' provision, written proof of loss must be submitted within how many days?
FL Insurance Law & EthicsSenior & Specialty Protections
The Florida viatical settlement law provides viators with a rescission period of:
FL Insurance Law & EthicsFL Guaranty Association & Consumer Protection
Under Florida law, an insurance agent may use the existence of the Guaranty Association to:
Health InsuranceHSAs HRAs and FSAs
An employee has both a limited-purpose FSA and an HSA. The limited-purpose FSA may only be used for which of the following expenses, while preserving HSA eligibility?
General InsuranceField Underwriting Procedures
An insurance policy that is backdated to save age may be backdated no more than:
Health InsuranceHSAs HRAs and FSAs
The annual HSA contribution limit is set by the IRS and includes both employer and employee contributions. Individuals age 55 and older can make additional 'catch-up' contributions of:
Health InsuranceMedicare & Medicaid
A beneficiary in a Medicare Advantage HMO plan generally must receive their care from:
Health InsuranceManaged Care
A Florida HMO member needs to see a dermatologist but has not obtained a referral from their PCP. The member decides to visit an out-of-network dermatologist. In this scenario, the HMO will most likely:
General InsuranceContracts & Terminology