Free Florida Accident & Health Insurance Practice Exam 3
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 325 Questions
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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 type of care is NOT typically covered by a Long-Term Care policy?
FL Insurance Law & EthicsFlorida Insurance Code & Unfair Practices
The Florida Division of Investigative and Forensic Services investigates:
Health InsuranceMedicare & Medicaid
An insurer is marketing a new Medicare Advantage plan. The marketing materials must be approved by whom before they can be used?
Health InsuranceMedicare & Medicaid
Florida Medicaid's 'Share of Cost' (SOC) program is for individuals who:
Health InsuranceDisability Insurance
How are benefits received from a Business Overhead Expense (BOE) policy taxed?
General InsuranceInsurance Marketplace
In Florida, a surplus lines broker must do which of the following before placing coverage with a non-admitted insurer?
Health InsuranceHealth Policy Provisions
How many optional provisions may be included in an individual accident and health policy?
Health InsuranceTypes of Policies
The mandatory 'Physical Examination and Autopsy' provision gives the insurer the right to:
FL Insurance Law & EthicsFlorida Insurance Code & Unfair Practices
Under Florida law, controlled business is defined as insurance placed on the:
General InsuranceInsurance Marketplace
If an insurer allows an unlicensed individual to solicit insurance applications using the company's letterhead, business cards, and office space, the insurer may be liable under the doctrine of:
Health InsuranceHealth Policy Provisions
A 'conditionally renewable' health insurance policy may be terminated by the insurer for:
Health InsuranceDisability Insurance
Short-Term Disability (STD) insurance typically provides benefits for a period of:
Health InsuranceMedicare & Medicaid
What does it mean if a person is 'dual eligible'?
Health InsuranceWorkers Comp & Subrogation
Subrogation in health insurance means:
General InsuranceContracts & Terminology
The part of the policy that outlines the duties and responsibilities of both the insurer and the insured is the:
Health InsuranceHealth Policy Provisions
The optional 'Change of Occupation' provision allows the insurer to adjust benefits if the insured changes to:
Health InsuranceTypes of Policies
What is a 'dread disease' or 'limited risk' policy?
Health InsuranceManaged Care
Which type of utilization review occurs before a medical service is provided, requiring approval from the managed care plan?
FL Insurance Law & EthicsLicensing & Conduct
Which of the following is grounds for denial or revocation of an insurance license in Florida?
FL Insurance Law & EthicsLicensing & Conduct
How many hours of continuing education (CE) must a Florida insurance agent complete each reporting period?
General InsuranceContracts & Terminology
Which legal doctrine is most relevant to a situation where an agent consistently accepts late premium payments from a client?
Health InsuranceACA / PPACA
Cost-sharing reductions (CSRs) under the ACA are available to individuals who enroll in which metal tier plan through the marketplace?
General InsuranceContracts & Terminology
A valued policy pays a fixed, predetermined amount in the event of a total loss, regardless of the actual value of the loss. Which type of insurance is typically a valued contract?
FL Insurance Law & EthicsPolicy Replacement & Disclosure