Florida Life and Health Insurance License Practice Test

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Prepare for the Florida Life and Health Insurance License Test. Study with flashcards and multiple choice questions, each with hints and explanations. Get ready for your certification exam with ease!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

Practice this question and more.

What action would the insurance company NOT take upon receiving a Medical Information Bureau (MIB) report indicating a non-disclosed stroke?

Send a notice to the MIB that the applicant was declined.
Perform a more thorough medical underwriting process.
Contact the applicant for additional information.
Consider the undisclosed medical history in their decision process.

The correct answer is: Send a notice to the MIB that the applicant was declined.

Upon receiving a Medical Information Bureau (MIB) report indicating a non-disclosed stroke, the insurance company would not send a notice to the MIB that the applicant was declined. This is because the MIB report itself is already a notice that the applicant was declined. The other options may still be taken by the insurance company as they are all ways to gather more information or re-evaluate the application in light of the new information. However, sending a duplicate notice to the MIB is unnecessary and redundant.