Free Florida Accident & Health practice questions

Answer: D. Defamation, through false statements calculated to injure

Florida defines defamation as knowingly making or circulating, directly or indirectly, an oral or written statement or pamphlet about any person that is false or maliciously critical and is calculated to injure that person. A false pamphlet aimed at a rival's client base is that practice. Boycott, coercion, and intimidation requires an agreement or concerted action tending toward unreasonable restraint of, or monopoly in, the insurance business, and one agent acting alone with a pamphlet is neither. Misrepresentation on an application concerns false statements made on or relating to an insurance application to obtain a fee, commission, or other benefit. Unfair discrimination concerns treating individuals of the same actuarial class differently in rates, benefits, or terms, not statements about a competitor.

Answer: C. Premiums designed to rise solely as the insured grows older

Florida bars issuing a long-term care policy whose premiums are calculated to increase based solely on the insured's age. A structure that raises the premium only because the insured has aged is therefore prohibited. A level premium fixed at issue age, a single premium, and payment through payroll deduction do not tie increases to the insured's age, so this rule does not reach them.

Answer: C. In writing, within 30 days after the change

A licensee who changes name, residence, principal business street address, mailing address, phone numbers, or e-mail must notify the department in writing within 30 days. Sixty days is too long, a telephone call is not written notice, and waiting for an appointment renewal misses the deadline. A first failure to notify on time can bring a fine of up to $250.

Answer: B. Propound additional reasonable interrogatories to the applicant

The department or office may pose reasonable interrogatories in addition to the application's own questions, covering the applicant's qualifications, residence, prospective place of business, and any other matter it considers necessary to protect the public. The inquiry is therefore not confined to the printed form. The section authorizes questions, not an automatic denial pending a new form, and it does not create a second examination.

Answer: B. Reasonable cause to believe the agent violated the insurance code

The department or office may look into alleged improper conduct on its own motion or on a signed written complaint, and it may then open an investigation when it has reasonable cause to believe the licensee violated a provision of the insurance code. A conviction is not a precondition to investigating, the provision sets no minimum number of complainants, and it does not make the appointing insurer's consent a requirement.

Answer: C. Shopping

Florida's minimum list of activities of daily living for a long-term care policy is bathing, continence, dressing, eating, toileting and transferring. Shopping is not on that list. An insurer may add other activities as benefit triggers if the policy defines them, although an issuer of a qualified long-term care contract may consider only the six listed. Bathing, continence and transferring are each required items on the minimum list.

Answer: B. Describing the service as free or no cost in an advertisement

Florida lets a life or health insurer or agent offer a value-added product or service at no or reduced cost when it relates to the coverage and is designed for purposes such as enhancing financial wellness. That permission carries limits, and one of them bars the insurer or agent from using words like free or no cost, or similar terms, in an advertisement. Providing customers with contact information for questions about the service is something the statute requires of the provider, not a violation. Maintaining documented objective evidence behind the service's availability is likewise required. Offering the service at a reduced cost falls within the permission itself.

Answer: C. 31 days

Sec. 627.646(1) requires hospital or medical expense policies to give a person whose eligibility for coverage ends, before Medicare or Medicaid eligibility, the right to a conversion policy without evidence of insurability. That right depends on applying and paying the first premium within 31 days after termination, and the statute keeps coverage continuous during that 31-day window. A 10-day window is shorter than the statute allows, and 60 or 90 days are longer than the period it sets.

Answer: D. Up to 1 year

A life or health insurer or agent that believes in good faith a value-added product or service meets the statutory criteria, but cannot yet prove it, may offer it, without unfair discrimination, through a pilot or testing program lasting up to 1 year. The insurer must notify the office or department before the program starts, and 21 days is the window in which the regulator may object after receiving that notice, not the length of the program. Six months understates the permitted period, and 3 years exceeds it.

Answer: A. 7 days

When the insurer reserves the right to refuse renewal, the required grace period clause must provide at least 7 days for a weekly premium policy. Ten days is the floor for a monthly premium policy and 31 days the floor for all other policies, so neither is the weekly minimum. Thirty days is the advance written notice of intent not to renew which, if delivered or mailed before the premium due date, keeps the grace period from applying; it is not a grace period length.