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 rider ensures an Accident and Health policy continues during the policyowner's total disability?

Disability Income rider
Critical Illness rider
Accidental Death rider
Waiver of Premium rider

The correct answer is: Waiver of Premium rider

A Waiver of Premium rider is designed to waive the policyowner's premium payments for their Accident and Health policy in the event of total disability, allowing the policy to continue without interruption. This rider is specifically tailored to address the financial implications of a policyowner's disability, while the other options do not provide the same level of protection. The Disability Income rider only offers income replacement for the policyowner, the Critical Illness rider only provides a lump sum payment for a specific illness, and the Accidental Death rider only pays out in the case of a fatal accident. These riders may provide important coverage in select situations, but do not address the specific concern of premium payments during total disability.