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!

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What is a representation in an insurance application?

A statement that does not become part of the contract
A legally binding promise
A statement to be true to the best of one's knowledge and part of the contract
A false statement to deceive the insurer

The correct answer is: A statement to be true to the best of one's knowledge and part of the contract

A representation in an insurance application is a statement that the applicant believes to be true and is included as part of the contract. This means that the applicant is held responsible for the accuracy of the information provided. Option A is incorrect because a representation does become part of the contract. Option B is incorrect because a representation is not a legally binding promise, but rather a statement of fact. Option D is incorrect because a false representation can lead to the contract being voided by the insurer.