Florida Life and Health Insurance License Practice Test

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In Florida, what is required for the underwriting of a master group health policy?

  1. A medical exam for each employee

  2. Eligibility regardless of health history

  3. A waiting period for pre-existing conditions

  4. Premiums based on the individual's health

The correct answer is: Eligibility regardless of health history

A and D are incorrect because underwriting a master group health policy means that the insurance company is evaluating the overall risk of the entire group, rather than each individual employee. This means that a medical exam for each employee or setting premiums based on individual health would not be necessary. C is incorrect because underwriting a master group health policy typically involves waiving any waiting periods for pre-existing conditions, as long as the employee meets the eligibility requirements. Therefore, having a waiting period for pre-existing conditions would not be a requirement for underwriting a master group health policy in Florida.

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