Free Florida Accident & Health Insurance Practice Exam 2
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 225 Questions
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Health InsuranceMedicare & Medicaid
When can a person change their Medicare Advantage or Part D plan?
Health InsuranceHealth Policy Provisions
An 'optionally renewable' health insurance policy gives which party the right to terminate at each renewal date?
Health InsuranceACA / PPACA
Under the ACA, 'minimum essential coverage' (MEC) includes all of the following EXCEPT:
Health InsuranceGroup Plans
When an employee's group health coverage is terminated, they have the right to convert their policy. Which of the following is true about the converted policy?
Health InsuranceManaged Care
In an Independent Practice Association (IPA) model HMO, physicians:
Health InsuranceManaged Care
In Florida, Health Maintenance Organizations are primarily regulated under the Florida HMO Act by which agency?
FL Insurance Law & EthicsPolicy Replacement & Disclosure
Under Florida law, a variable life insurance or variable annuity product must be delivered with:
General InsuranceContracts & Terminology
Which part of an insurance policy personalizes the contract with information such as the insured's name, address, and premium?
General InsuranceUnderwriting & Policy Issuance
Which of the following is NOT a primary factor in underwriting a life insurance policy?
FL Insurance Law & EthicsFL Guaranty Association & Consumer Protection
Under Florida law, the grace period for a life insurance policy with monthly premium payments is at least:
Health InsuranceLong-Term Care Insurance
In Florida, an insurer cannot refuse to cover or limit benefits for an LTC applicant based solely on:
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:
Health InsuranceDisability Insurance
The 'probationary period' in a disability income policy refers to the:
Health InsuranceGroup Plans
What is the 'probationary period' in a group health plan?
Health InsuranceHSAs HRAs and FSAs
Under a Flexible Spending Account (FSA), what happens to unused funds at the end of the plan year if the employer does not offer a carryover or grace period?
General InsuranceContracts & Terminology
What is the 'parol evidence rule'?
Health InsuranceDisability Insurance
If an individual pays the premiums for their own disability income policy, how are the benefits received treated for tax purposes?
Health InsuranceDisability Insurance
A disability policy with a 'return of premium' rider provides that:
FL Insurance Law & EthicsSenior & Specialty Protections
Under Florida law, which of the following is true about long-term care insurance policies?
General InsuranceUnderwriting & Policy Issuance
If an underwriter determines an applicant is a higher-than-average risk, the applicant may be classified as:
Health InsuranceMedicare & Medicaid
What is PACE (Program of All-Inclusive Care for the Elderly)?
General InsuranceUnderwriting & Policy Issuance
What is the significance of the policy's effective date?
FL Insurance Law & EthicsFL Guaranty Association & Consumer Protection
Under the Florida 'entire contract' provision, a life insurance contract consists of:
FL Insurance Law & EthicsLicensing & Conduct
Of the 24 required CE hours in Florida, how many must be in ethics?
Health InsuranceGroup Plans