Life Application, Underwriting, and Policy Delivery — practice questions
8% of the exam ≈12 real questions 13 free questions here
Applications, conditional receipts, insurable interest, replacement, and policy delivery — about 12 scored questions. Expect at least one item on when coverage actually begins, and one on STOLI.
Where people lose points
- A conditional receipt only backdates coverage if the applicant turns out to be insurable as applied for.
- Insurable interest must exist when the policy is issued — it does not have to survive after that.
- Warranties must be literally true; representations only have to be substantially true.
- Florida replaced its old agent-duty replacement rules in January 2024 — the duty now runs through Rule 69O-151.007 and Form OIR-B2-312.
Drill: Life Application, Underwriting, and Policy Delivery
13 free questions from this domain, each with an explanation and a cited source. Timed at real exam pace.
13 questions
Pass line: 70%, same as the real exam
See the answer and explanation right after each question.