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
What does a 'bed reservation' benefit in an LTC policy provide?
FL Insurance Law & EthicsPolicy Replacement & Disclosure
When replacing an existing life insurance policy in Florida, the agent must provide the applicant with:
FL Insurance Law & EthicsSenior & Specialty Protections
In Florida, an insurance agent selling Medicare Advantage plans must:
General InsuranceContracts & Terminology
Because the insurer writes the policy and the insured has no say in its wording, an insurance policy is considered a(n):
Health InsuranceMedicare & Medicaid
Original Medicare (Parts A and B) does NOT have a yearly limit on:
Health InsuranceDisability Insurance
The length of time that disability income benefits will be paid is called the:
General InsuranceUnderwriting & Policy Issuance
The Fair Credit Reporting Act (FCRA) gives consumers the right to:
General InsuranceBasic Principles
An insurer incorporated in Georgia but conducting business in Florida is considered a(n):
Health InsuranceGroup Plans
What is the eligibility period for group health insurance?
Health InsuranceTypes of Policies
Under the Affordable Care Act (ACA), what is the purpose of the 'metal levels' (Bronze, Silver, Gold, Platinum)?
Health InsuranceTypes of Policies
An individual health insurance policy that the insurer cannot cancel and cannot increase the premium on is classified as:
FL Insurance Law & EthicsSenior & Specialty Protections
The Florida viatical settlement law provides viators with a rescission period of:
FL Insurance Law & EthicsFlorida Insurance Code & Unfair Practices
Under Florida Statute 626.9521, the DFS may impose a cease and desist order on an entity engaging in unfair insurance practices. Violations of such an order may result in penalties of up to:
General InsuranceContracts & Terminology
For a contract to be valid, all parties must be of legal age, mentally capable, and not under the influence of drugs or alcohol. This is the requirement of:
Health InsuranceManaged Care
A managed care plan member in Florida believes their claim was improperly denied. Under Florida law, the member has the right to file a grievance and request an external review. Which of the following is TRUE about this process?
Health InsuranceDisability Insurance
The period of time an insured must be disabled before disability income benefits begin to be paid is the:
Health InsuranceGroup Plans
Self-funded health plans are regulated by:
Health InsuranceHealth Policy Provisions
The optional 'Misstatement of Age' provision allows the insurer to:
Health InsuranceTypes of Policies
The percentage of covered medical expenses that the insured is required to pay after the deductible has been met is known as:
General InsuranceUnderwriting & Policy Issuance
The process of classifying risks into appropriate categories to determine premium rates is called:
Health InsuranceHealth Policy Provisions
How many mandatory (uniform) provisions must be included in individual accident and health insurance policies?
Health InsuranceGroup Plans
Under federal COBRA, what is the maximum period an employee can continue coverage after termination of employment?
Health InsuranceGroup Plans
A Multiple Employer Trust (MET) allows:
FL Insurance Law & EthicsFL Guaranty Association & Consumer Protection
A Florida consumer who wishes to file a complaint against an insurer should contact:
Health InsuranceLong-Term Care Insurance