Each module is scored separately here so you know exactly where you stand. To pass the real Florida exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Florida issues a 2-20 General Lines (Property & Casualty) agent license. The Pearson VUE exam has 100 scored questions and requires 70% to pass. This bank covers the national property & casualty material plus Florida law - no-fault auto, property and homeowners (including Citizens, FIGA and hurricane rules), and workers' compensation.
You need 70%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Florida Statutes (Chapters 324, 440, 627 and 631) for the state-law questions, with the statute section cited in each explanation.
The full Florida bank contains 1003 questions (general insurance plus Florida law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
In insurance, exposure refers to:
Why: Exposure is a condition presenting a possibility of loss; it may or may not result in an actual loss.
Under §440.10, if a contractor sublets work to a subcontractor who does not secure coverage, who becomes liable for compensation to the subcontractor's employees?
Why: Section 440.10 makes a contractor secondarily liable ('statutory employer') for compensation to a subcontractor's employees when the subcontractor fails to secure the required coverage.
The 'your product' exclusion in the CGL means the policy will not pay for:
Why: Damage to the insured's own product is excluded; injury the product causes to others remains covered.
Both churning by an insurer and churning by an agent are characterized by the statute as:
Why: The statute expressly states that churning by an insurer or an agent is an unfair method of competition and an unfair or deceptive act or practice.
An injured interstate railroad worker wishes to recover for an on-the-job injury. Which law governs the claim, and on what basis?
Why: The Federal Employers' Liability Act (FELA) covers interstate railroad workers and is fault-based, requiring the worker to prove employer negligence rather than providing automatic no-fault benefits.
Storing oily rags near a furnace is an example of which type of hazard?
Why: A physical hazard is a tangible condition of property or environment that increases the chance of loss, such as flammable materials near a heat source.
In a monopolistic state fund jurisdiction, employers must generally obtain workers' compensation coverage from:
Why: In monopolistic fund states, the state fund is the sole source of WC coverage and private insurers may not write it; employers must buy from the state fund.
No person may engage in a trade practice in Florida that is defined in the part as, or determined to be, an unfair method of competition or an unfair or deceptive act. Where is that general prohibition stated?
Why: The prohibition states that no person shall engage in this state in any trade practice defined in the part as, or determined to be, an unfair method of competition or an unfair or deceptive act or practice.
Under Florida's anti-fraud provisions, a person commits a "fraudulent insurance act" when the person:
Why: A fraudulent insurance act requires knowingly and with intent to defraud presenting, causing to be presented, or preparing (with knowledge or belief it will be presented) false or misleading information to an insurer or similar entity.
Under §631.57, FIGA's liability to a policyholder or claimant:
Why: §631.57(1)(a)4. provides FIGA may not be obligated in an amount exceeding the insolvent insurer's obligation under the policy, and (1)(b) bars penalties and interest.
The maximum NFIP contents coverage available to a residential policyholder is:
Why: Residential contents coverage under the NFIP is capped at $100,000, separate from the building limit.
Intentional injury caused by an insured is treated under Section II how?
Why: Bodily injury or property damage expected or intended by the insured is excluded under Section II liability coverage.
Functional replacement cost valuation pays to replace damaged property with:
Why: Functional replacement cost permits using modern, less expensive materials that serve the same function as obsolete originals.
The RETROACTIVE DATE on a claims-made policy:
Why: The retroactive date sets the earliest injury/damage date that can be covered; losses occurring before it are excluded.
Under §631.57, for policies covering condominium associations or homeowners' associations responsible for insuring residential units, FIGA's obligation for each covered property claim is:
Why: §631.57(1)(a)3.a. sets the FIGA obligation for condo/HOA property claims at less than $200,000 multiplied by the number of residential units.
Under §627.7011, an insurer may not refuse to issue or renew a homeowner's policy solely because of roof age if an authorized inspection shows the roof of a residential structure has how much useful life remaining?
Why: §627.7011(5)(c) prohibits refusal based solely on roof age if an authorized inspection indicates the roof has 5 years or more of useful life remaining.
Under the CGL 'Who Is An Insured' provision, if the named insured is a partnership, who is an insured?
Why: Partners are insureds only with respect to the conduct of the partnership's business.
A retail employee sues the company for sexual harassment and wrongful termination. Which policy is designed to respond?
Why: Harassment and wrongful termination are employment practices claims handled by EPLI, not the CGL.
Knowingly making a misleading comparison of policies to induce a policyholder to surrender an existing policy is most precisely classified as:
Why: Twisting specifically targets misleading representations or fraudulent comparisons made to induce a person to lapse, forfeit, surrender, or terminate a policy.
Under §627.7152, a policyholder generally MAY NOT assign post-loss insurance benefits under a residential or commercial property policy issued on or after which date?
Why: §627.7152(13) provides that for policies issued on or after January 1, 2023, an attempt to assign post-loss property insurance benefits is void, invalid, and unenforceable.
Which of the following best defines a "family member" under the PAP?
Why: A family member is a person related to the named insured by blood, marriage, or adoption who resides in the household, including a ward or foster child.
A boatowner wants liability protection for bodily injury to others caused by the vessel. This is provided under the yacht policy's:
Why: Protection and indemnity coverage in a yacht policy provides liability protection for bodily injury and property damage to others arising from operation of the vessel.
Florida law requires insurers to offer PIP deductibles in which of the following amounts?
Why: Section 627.739(2) requires insurers to offer PIP deductibles of $250, $500, and $1,000.
An insurer incorporated in the state where it is transacting business is classified as:
Why: A domestic insurer is one organized under the laws of the state in which it is doing business.
Agreed value (agreed amount) provisions are used primarily to:
Why: Under an agreed value option, the insurer and insured agree on the property's value in advance, suspending the coinsurance penalty.
Florida permits an insurance agent to rebate a portion of commission only if certain conditions are met. Which condition is required by statute?
Why: Under the rebating-when-allowed rule, a permitted rebate must be available to all insureds in the same actuarial class and must follow a rebating schedule filed with the insurer and applied uniformly.
After a request for a change of physician, the carrier must authorize an alternative physician within how many days?
Why: Section 440.13(2)(f) requires the carrier to authorize an alternative (unaffiliated) physician within 5 days after receipt of the request; failure lets the employee select the physician.
For Temporary Total Disability (TTD), what percentage of the employee's average weekly wage is generally payable?
Why: Section 440.15(2)(a) provides that TTD is paid at 66 2/3 (66.67) percent of the average weekly wages during the continuance of the total disability.
Under the PAP, coverage for an auto used in the business of selling, repairing, or servicing autos (the "auto business" exclusion) is:
Why: The PAP excludes liability for any insured maintaining or using vehicles in the auto business (e.g., garages, sales) for non-owned autos; such exposure belongs on a garage/dealers policy.
Under s. 626.989, which entity within the Department of Financial Services is charged with investigating fraudulent insurance acts?
Why: Section 626.989 vests authority to investigate fraudulent insurance acts in the department and its Division of Criminal Investigations (Division of Investigative and Forensic Services), including the power to compel compliance and to arrest.