Life Policy Riders, Provisions, Options, and Exclusions — practice questions
10% of the exam ≈15 real questions 21 free questions here
Riders, provisions, beneficiary rules, non-forfeiture options, and exclusions — about 15 scored questions. This is the domain where Florida-specific numbers start mattering: the 14-day life free look and the 21-day annuity free look are both fair game.
Where people lose points
- Florida gives 14 days of free look on life and 21 days on annuities — not the 10 days you will see in national study guides.
- The suicide clause and the incontestability clause both run two years, but they do different things.
- Waiver of premium (whole life) is not the same as waiver of monthly deduction (universal life).
- Automatic premium loan prevents lapse; extended term and reduced paid-up are what you elect after lapse.
Drill: Life Policy Riders, Provisions, Options, and Exclusions
21 free questions from this domain, each with an explanation and a cited source. Timed at real exam pace.
21 questions
Pass line: 70%, same as the real exam
See the answer and explanation right after each question.