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Free Florida Agent’s Health Insurance Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Florida Agent’s Health Insurance practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A consultant wants a benefit replacing her own earnings when illness prevents work. Which policy fits?

    1. A. Individual disability income
    2. B. Group disability income
    3. C. Accident-only disability income
    4. D. Business overhead expense

    Answer: A

    Explanation: "Disability insurance is designed to replace income or other expenses if you or your employees are unable to work for an extended period of time due to a physical or mental illness or injury." Individual disability income replaces the consultant’s own earnings from illness. Group coverage insures a workforce, accident-only coverage excludes sickness, and overhead coverage pays business expenses.

    Reference: NAIC Small Business Insurance — Disability Insurance

  2. 2Who must approve a change before it becomes effective in a Florida individual health policy?

    1. A. The soliciting agent
    2. B. An officer of the insurer
    3. C. The beneficiary
    4. D. The treating provider

    Answer: B

    Explanation: Section 627.606 states: "No change in this policy will be effective until approved by an officer of the insurer."

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — §627.606

  3. 3Under Original Medicare, which part helps cover inpatient hospital care?

    1. A. Part A
    2. B. Part B
    3. C. Part C
    4. D. Part D

    Answer: A

    Explanation: "Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care." Inpatient hospital care is Part A. Part B covers medical/outpatient care, Part C is the Advantage route, and Part D covers drugs.

    Reference: Medicare.gov Parts of Medicare — Part A (Hospital Insurance)

  4. 4A disability policyholder resumes some work but earns less because of the disability. Which benefit is designed to fill that reduced-income gap?

    1. A. Residual disability benefit
    2. B. Recurrent disability benefit
    3. C. Waiver-of-premium benefit
    4. D. Cost-of-living adjustment

    Answer: A

    Explanation: "This coverage fills the gap in income if you are partially disabled, resulting in reduced income." Residual benefits address reduced earnings during partial disability; the other provisions have different triggers or purposes.

    Reference: NAIC Simplifying the Complications of Disability Insurance — Residual Benefit(s)

  5. 5A Florida agent completes a customer's health insurance application. In addition to identifying the insurer, which agent information must the application disclose?

    1. A. Agent name and license identification number
    2. B. Agent name and appointment renewal date
    3. C. Agent address and premium commission rate
    4. D. Agent signature and examination score

    Answer: A

    Explanation: "Such applications shall also disclose the name and license identification number of the agent as shown on the agent’s license issued by the department" The customer application must identify the agent and license number; appointment dates, commission rates, and exam scores do not fulfill this requirement.

    Reference: 2026 Florida Statutes Chapter 627 — §627.4085(1)

  6. 6Under Florida law, which person is included in the statutory term “agent”?

    1. A. A customer representative
    2. B. A health agent
    3. C. A service representative
    4. D. A limited customer representative

    Answer: B

    Explanation: Section 626.015(3) states: "“Agent” means a general lines agent, life agent, health agent, or title agent, or all such agents, as indicated by context." A health agent is included.

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — §626.015(3)

  7. 7What instrument covers persons under Florida’s definition of group health insurance?

    1. A. Individual policy endorsements
    2. B. A master group health insurance policy
    3. C. Separate hospital contracts
    4. D. A discount-plan membership

    Answer: B

    Explanation: Section 627.652(1) defines group health insurance as coverage "under a master group health insurance policy" issued to an eligible group.

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — §627.652(1)

  8. 8An employer wants disability income coverage for its workforce under one group policy. Which contract fits?

    1. A. Business overhead expense
    2. B. Individual disability income
    3. C. Group disability income
    4. D. Key employee disability

    Answer: C

    Explanation: "When a group disability policy that covers all employees is not an option, some small businesses choose to purchase individual coverage only on key employees." Group disability covers employees as a group; the others protect an individual or specific business exposure.

    Reference: NAIC Small Business Insurance — Disability Insurance

  9. 9Where must an insurer’s approval of a health-policy change be shown?

    1. A. On or attached to the policy
    2. B. Only in the agent’s file
    3. C. Only in the insurer’s minutes
    4. D. On the premium receipt

    Answer: A

    Explanation: Section 627.606 requires: "This approval must be noted on or attached to this policy."

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — §627.606

  10. 10A Medicare-approved private plan bundles Part A and Part B benefits and usually Part D. Which Medicare coverage route is this?

    1. A. Original Medicare
    2. B. Medicare Advantage
    3. C. Medicare supplement insurance
    4. D. Part D prescription drug plan

    Answer: B

    Explanation: "These “bundled” plans include Part A, Part B, and usually Part D." The bundled private-plan route is Medicare Advantage, also called Part C. Original Medicare is Parts A and B; Medigap supplements it; Part D alone covers prescription drugs.

    Reference: Medicare.gov Parts of Medicare — Medicare Advantage (Part C)

Topics in this practice bank

These topics describe the available practice for Florida Agent’s Health Insurance. Review the examination outline and its sources for scope and allocation details.

  • GENERAL KNOWLEDGE / I. TYPES OF POLICIES
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • GENERAL KNOWLEDGE / II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earning to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • GENERAL KNOWLEDGE / III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • GENERAL KNOWLEDGE / IV. OTHER INSURANCE CONCEPTS
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
  • GENERAL KNOWLEDGE / V. FIELD UNDERWRITING PROCEDURES
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • FLORIDA STATUTES, RULES, AND REGULATIONS / I. FLORIDA STATUTES, RULES, AND REGULATIONS COMMON TO ALL LINES
    • A. Financial Services Regulation
    • A. Financial Services Regulation / 1. Chief Financial Officer
    • A. Financial Services Regulation / 2. Financial Services Commission
    • A. Financial Services Regulation / 2. Financial Services Commission / a. Office of Financial Regulation
    • A. Financial Services Regulation / 2. Financial Services Commission / b. Office of Insurance Regulation
    • B. Department of Financial Services
    • B. Department of Financial Services / 1. General duties and powers
    • B. Department of Financial Services / 1. General duties and powers / a. Agent and adjuster licensing and investigations
    • B. Department of Financial Services / 1. General duties and powers / b. Consumer services
    • B. Department of Financial Services / 1. General duties and powers / c. Insurance Fraud
    • B. Department of Financial Services / 1. General duties and powers / d. Receivership
    • B. Department of Financial Services / 1. General duties and powers / e. Unclaimed Property
    • B. Department of Financial Services / 1. General duties and powers / f. Other powers
    • C. Office of Insurance Regulation
    • C. Office of Insurance Regulation / 1. General duties and powers
    • C. Office of Insurance Regulation / 1. General duties and powers / a. Policy approval authority
    • C. Office of Insurance Regulation / 1. General duties and powers / b. Rates and forms
    • C. Office of Insurance Regulation / 2. Market Conduct Examinations
    • C. Office of Insurance Regulation / 3. Agency Actions
    • C. Office of Insurance Regulation / 4. Investigation
    • D. Office of Financial Regulation
    • D. Office of Financial Regulation / 1. General duties and powers
    • D. Office of Financial Regulation / 2. Agency Actions
    • D. Office of Financial Regulation / 3. Investigations
    • E. Definitions
    • E. Definitions / 1. Insurance contract
    • E. Definitions / 2. Insurance transaction
    • E. Definitions / 3. Insurer
    • E. Definitions / 4. Reinsurance
    • E. Definitions / 5. Domestic company
    • E. Definitions / 6. Foreign company
    • E. Definitions / 7. Alien company
    • E. Definitions / 8. Fraternals
    • E. Definitions / 9. Authorized and unauthorized companies/admitted and non-admitted companies
    • E. Definitions / 10. Stock and mutual companies
    • E. Definitions / 11. Unlicensed entities
    • E. Definitions / 12. Certificate of authority
    • F. Licensing
    • F. Licensing / 1. Purpose
    • F. Licensing / 2. License types
    • F. Licensing / 2. License types / a. Agent
    • F. Licensing / 2. License types / b. Agency
    • F. Licensing / 3. Appointments
    • F. Licensing / 3. Appointments / a. Company
    • F. Licensing / 3. Appointments / b. Unaffiliated
    • F. Licensing / 4. License Requirements
    • F. Licensing / 4. License Requirements / a. Education
    • F. Licensing / 4. License Requirements / b. Application
    • F. Licensing / 4. License Requirements / c. Background Check
    • F. Licensing / 4. License Requirements / d. Examination
    • F. Licensing / 5. Maintaining a license
    • F. Licensing / 5. Maintaining a license / a. Continuing education
    • F. Licensing / 5. Maintaining a license / b. Communicating with the Department
    • F. Licensing / 5. Maintaining a license / c. Record keeping
    • F. Licensing / 5. Maintaining a license / d. Criminal and administrative actions
    • G. Agent responsibilities
    • G. Agent responsibilities / 1. Fiduciary capacity
    • G. Agent responsibilities / 1. Fiduciary capacity / a. Definition
    • G. Agent responsibilities / 1. Fiduciary capacity / b. Premium accountability
    • G. Agent responsibilities / 1. Fiduciary capacity / c. Separate account requirements
    • G. Agent responsibilities / 2. Commissions and compensation / charges for extra services
    • G. Agent responsibilities / 3. Reply to DFS and/or Office of Insurance Regulation
    • G. Agent responsibilities / 4. Ethics
    • H. Insurance guaranty fund
    • I. Marketing practices
    • I. Marketing practices / 1. Unfair methods of competition
    • I. Marketing practices / 1. Unfair methods of competition / a. Sliding
    • I. Marketing practices / 1. Unfair methods of competition / b. Coercion
    • I. Marketing practices / 1. Unfair methods of competition / c. Misrepresentation
    • I. Marketing practices / 1. Unfair methods of competition / d. Defamation
    • I. Marketing practices / 1. Unfair methods of competition / e. False advertising
    • I. Marketing practices / 1. Unfair methods of competition / f. Unfair discrimination
    • I. Marketing practices / 1. Unfair methods of competition / g. Unfair claims practices
    • I. Marketing practices / 1. Unfair methods of competition / h. Fraud
    • I. Marketing practices / 1. Unfair methods of competition / i. Controlled business
    • I. Marketing practices / 1. Unfair methods of competition / j. Twisting
    • I. Marketing practices / 1. Unfair methods of competition / k. Churning
    • I. Marketing practices / 1. Unfair methods of competition / l. Rebating
    • I. Marketing practices / 1. Unfair methods of competition / m. Concealment
  • FLORIDA STATUTES, RULES, AND REGULATIONS / II. FLORIDA STATUTES, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE
    • A. Standard Policy Provisions and Clauses (individual and group)
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards / a. Grandfathered
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards / b. Non-grandfathered
    • A. Standard Policy Provisions and Clauses (individual and group) / 2. Required and Optional Coverages
    • A. Standard Policy Provisions and Clauses (individual and group) / 3. Prohibited Provisions
    • B. Group Health insurance
    • B. Group Health insurance / 1. Eligible groups (employer based, fraternal, assoc. blanket)
    • B. Group Health insurance / 2. Continuation
    • B. Group Health insurance / 3. Conversion
    • B. Group Health insurance / 4. Coordination of benefits
    • C. Disclosure
    • C. Disclosure / 1. Outline of Coverage
    • C. Disclosure / 2. Renewal Agreements/Nonrenewal and Cancellation
    • C. Disclosure / 3. Advertising
    • C. Disclosure / 4. Certificate of Coverage
    • C. Disclosure / 5. Group Blanket Health
    • C. Disclosure / 5. Group Blanket Health / a. Definition
    • C. Disclosure / 5. Group Blanket Health / b. Required Provisions
    • C. Disclosure / 6. Unfair Trade Practices
    • C. Disclosure / 7. Application Responsibilities
    • C. Disclosure / 8. Marketing methods and practices
    • D. Medicare Supplement Insurance
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards)
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards) / a. Pre-existing conditions
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards) / b. Free Look
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods / a. 65 and over
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods / b. under 65
    • D. Medicare Supplement Insurance / 3. Advertising
    • D. Medicare Supplement Insurance / 4. Marketing standards
    • D. Medicare Supplement Insurance / 5. Disclosure
    • D. Medicare Supplement Insurance / 5. Disclosure / a. Outline of Coverage
    • D. Medicare Supplement Insurance / 5. Disclosure / b. Buyer’s guide
    • D. Medicare Supplement Insurance / 6. Replacement/Replacement Forms
    • D. Medicare Supplement Insurance / 7. Duplication of Benefits
    • D. Medicare Supplement Insurance / 8. Standardized policy benefits (A-N)
    • D. Medicare Supplement Insurance / 9. Exclusions
    • D. Medicare Supplement Insurance / 10. Medicaid--relationship to Supplements
    • D. Medicare Supplement Insurance / 11. Medicare advantage plan
    • E. Long-term Care Policies
    • E. Long-term Care Policies / 1. Purpose
    • E. Long-term Care Policies / 2 Disclosure
    • E. Long-term Care Policies / 2 Disclosure / a. Outline of Coverage
    • E. Long-term Care Policies / 2 Disclosure / b. Buyer’s guide
    • E. Long-term Care Policies / 3. Advertising
    • E. Long-term Care Policies / 4. Policy standards
    • E. Long-term Care Policies / 5. Required Provisions (Minimum standards)
    • E. Long-term Care Policies / 6. Other Provisions
    • E. Long-term Care Policies / 7. Terminology
    • E. Long-term Care Policies / 7. Terminology / a. Skilled care
    • E. Long-term Care Policies / 7. Terminology / b. Intermediate care
    • E. Long-term Care Policies / 7. Terminology / c. Custodial care
    • E. Long-term Care Policies / 7. Terminology / d. Home health care vs. home care
    • E. Long-term Care Policies / 7. Terminology / e. Continuing care retirement communities (CCRC)
    • E. Long-term Care Policies / 7. Terminology / f. Alternate care
    • E. Long-term Care Policies / 7. Terminology / g. Case management
    • E. Long-term Care Policies / 7. Terminology / h. Activities of Daily Living (ADL’s) and cognitive impairment
    • E. Long-term Care Policies / 7. Terminology / i. Medically necessary or appropriate
    • E. Long-term Care Policies / 7. Terminology / j. Plan of care
    • E. Long-term Care Policies / 7. Terminology / k. Adult day care
    • E. Long-term Care Policies / 7. Terminology / l. Hospice care
    • E. Long-term Care Policies / 8. Replacement
    • E. Long-term Care Policies / 9. Unintentional lapse
    • E. Long-term Care Policies / 9. Unintentional lapse / a. secondary addressee
    • E. Long-term Care Policies / 9. Unintentional lapse / b. cognitive impairment
    • E. Long-term Care Policies / 10. Long-Term Care partnership
    • E. Long-term Care Policies / 11. Medicaid--relationship to Long-Term Care
    • F. Requirements for small employers
    • F. Requirements for small employers / 1. Definitions
    • F. Requirements for small employers / 2. Special Provisions
    • F. Requirements for small employers / 3. Disclosure requirements
    • F. Requirements for small employers / 4. Denial/Termination/Nonrenewal
    • F. Requirements for small employers / 5. Fair Marketing Standards
    • F. Requirements for small employers / 6. Benefit plans offered
    • F. Requirements for small employers / 7. Availability of coverage
    • F. Requirements for small employers / 8. Small Employer Rating, Renewability and Portability Act
    • F. Requirements for small employers / 9. Guaranteed issue
    • F. Requirements for small employers / 10. Employee declination of coverage
    • G. Florida Healthy Kids Corporation
    • H. Requirements relating to HIV/AIDS
    • I. Plan Types
    • I. Plan Types / 1. Health Maintenance Organization (HMO)
    • I. Plan Types / 2. Preferred Provider Organization (PPO)
    • I. Plan Types / 3. Exclusive provider organization (EPO)
    • I. Plan Types / 4. Prepaid service organization
    • I. Plan Types / 5. Indemnity plan
    • I. Plan Types / 6. Discount medical plan organization (DMPO)
    • J. Dread disease policy

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