Free Florida 2-40 Practice Test (2026)
Blueprint-weighted questions drawn from all 7 official domains. Timed at the real exam pace. You can pause; progress is saved on this device.
60 questions · 76 minutes
Pass line: 70%, same as the real exam
No feedback until you submit — like the real thing.
About this Florida 2-40 practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 76 minutes, the real exam's pace. This practice test's pass line is 70%. The real exam has 85 scored questions plus 10 unscored pretest questions in 120 minutes.
You can pause and come back: progress is saved on this device. When you finish you get a score for each area, so you can see where your points are going.
What it covers
| Area | Share of the exam | Practice |
|---|---|---|
| Types of Health Policies | 19% | Practice this area |
| Policy Provisions, Clauses and Riders | 18% | Practice this area |
| Social Insurance | 7% | Practice this area |
| Other Insurance Concepts | 6% | Practice this area |
| Field Underwriting Procedures | 9% | Practice this area |
| Florida Statutes and Rules Common to All Lines | 23% | Practice this area |
| Florida Statutes — Health Insurance | 18% | Practice this area |
5 sample questions
These questions are part of the practice test above. Each answer stays hidden until you open it.
1. A surgeon injures her hand and can no longer perform surgery, but she accepts a full-time position teaching at a medical school. Under which definition of total disability would her individual disability income policy pay full benefits?
- A. Any occupation
- B. Own occupation
- C. Presumptive disability
- D. Partial disability
Show the answer
Answer: B. The own-occupation definition pays benefits when the insured cannot perform the substantial duties of his or her OWN occupation, even if the insured works in a different field. The any-occupation definition is stricter: it would deny benefits because she can work in another occupation suited to her education and training. Presumptive disability applies only to specified losses such as sight, speech, or limbs. (Outline V.A)
2. Under the mandatory entire contract provision in a Florida health insurance policy, the entire contract between the parties consists of:
- A. The policy plus whatever the agent said in the sales presentation at the point of sale
- B. The policy plus the insurer’s internal underwriting file on the insured
- C. The policy, including endorsements and attached papers such as the application
- D. The application alone, since it contains the insured’s representations
Show the answer
Answer: C. The entire contract provision states that the policy with its endorsements and attached papers — including the attached application — constitutes the whole agreement (s. 627.606, F.S.). No change is valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy; an agent has no authority to change the policy or waive its provisions. Oral statements made during the sale are not part of the contract. (Outline VI.A)
3. Medicare Part A primarily provides coverage for which of the following?
- A. Physician office visits and outpatient diagnostic tests
- B. Inpatient hospital care
- C. Outpatient prescription drugs
- D. Routine dental and vision care
Show the answer
Answer: B. Part A is the hospital insurance portion of Medicare: it covers inpatient hospital care, skilled nursing facility care after a qualifying stay, hospice care, and certain home health care. Physician and outpatient services fall under Part B, and outpatient prescription drugs fall under Part D.
4. After recovering from surgery, Marta returns to her job part-time and now earns 40% less than she did before her disability. Which disability income policy benefit would pay her an amount based on the percentage of earnings she has lost?
- A. Total disability benefit
- B. Residual disability benefit
- C. Presumptive disability benefit
- D. Waiver of premium benefit
Show the answer
Answer: B. A residual disability benefit pays a proportionate amount based on the insured's actual loss of earnings — here, roughly 40% of the total disability benefit. By contrast, a partial disability benefit typically pays a flat 50% of the total benefit for a limited time, and presumptive disability applies to specified losses such as sight, hearing, speech, or two limbs.
5. While completing an application for health insurance, the applicant gives the agent an answer that later must be corrected. What is the BEST way to correct the application?
- A. Erase the incorrect answer or cover it with correction fluid and write in the new answer
- B. Have the agent correct the answer later and initial the change on the applicant's behalf
- C. Draw a line through the incorrect answer, insert the correct one, and have the applicant initial the change
- D. Submit the application unchanged and explain the error to the underwriter by phone
Show the answer
Answer: C. The application is the insurer's primary source of underwriting information and typically becomes part of the contract, so any change must be clearly visible and acknowledged by the applicant with his or her initials — or a fresh application should be completed. An agent must never alter an application on his or her own or conceal a correction.