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 basis can NOT be used to reject a life insurance application?

Medical history
Age
Occupation
Gender

The correct answer is: Gender

While insurance companies can legally use an applicant's age, medical history, and occupation as a basis for denying coverage, using gender as a deciding factor is considered discriminatory and is not allowed. In 2014, the Affordable Care Act was implemented, prohibiting insurance companies from denying coverage or charging higher premiums based on an individual's gender. Therefore, gender cannot be used to reject a life insurance application. The other options listed may be used as factors in the underwriting process, depending on the specific details of an individual's health and lifestyle. However, gender should not play a role in the decision-making process.