Florida Licensing & Agent Responsibilities — Florida Insurance Law — Life & Health Practice Test
22 questions in this topic · 22 drawn at random this round
After completing the required pre-licensing education, what must a Florida 2-15 license applicant do before an insurer can appoint them?
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This Florida Insurance Law — Life & Health Florida Licensing & Agent Responsibilities practice set has 22 practice questions based on the official exam materials, each with an instant explanation.
Sample questions
Three questions from the Florida Licensing & Agent Responsibilities bank with the correct answer and an explanation. The practice quiz above draws 22 questions at random from the same bank.
Under Florida law, an agent who is contractually restricted to representing only one insurer (or one group of affiliated insurers) is typically referred to as which type of agent, as distinguished from an independent agent?
- A "company" (captive) agent — Correct answer
- An unaffiliated agent
- A surplus lines agent
- A customer representative
Explanation: Florida's licensing framework distinguishes "company" agents (captive, tied to one insurer or insurer group) from "unaffiliated" (independent) agents who may represent multiple, unrelated insurers (Fla. Stat. ch. 626, Licensing).
Handbook: Florida Licensing & Agent Responsibilities — License Types (Company vs. Unaffiliated)
In Florida, an individual who wants to sell both life insurance and health insurance policies (including annuities and variable contracts) under a single combined resident license would apply for which license?
- The 2-15 Health & Life (including Annuities and Variable Contracts) Agent license — Correct answer
- The 2-14 Life (including Annuities) Agent license only
- The 2-40 Health Agent license only
- A 6-20 Customer Representative license
Explanation: Florida's 2-15 license authorizes an agent to transact both life and health insurance, including annuities and variable contracts, under one combined license.
Handbook: Florida Licensing & Agent Responsibilities — License Types (2-15)
Before sitting for the Florida 2-15 licensing examination, an applicant who does not qualify for an exemption must generally complete what?
- A state-approved insurance pre-licensing education course — Correct answer
- Only a background check, with no coursework required
- A four-year college degree in any field
- Two years of supervised apprenticeship under a licensed agent
Explanation: Florida law requires completion of a state-approved pre-licensing education course before an applicant may sit for the state licensing exam. The 2-15 is a combined Life (including Annuities & Variable Contracts) and Health license, so its pre-licensing requirement rests on both the life-agent statute (Fla. Stat. §626.7851) and the health-agent statute (Fla. Stat. §626.8311).
Handbook: Florida Licensing & Agent Responsibilities — Education Requirement