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FL Life and Annuity Agent 214 Exam Prep

Get ready to obtain your FL Life and Annuity Agent 214 License

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Pass the exam fast, easy, anytime, anywhere using our award-winning app.

Meet state pre-licensing requirements.

Courses in English & Spanish—learn in your preferred language.

Exam results reported to the Department within 24hrs.

Start now with 12 months of access included.

Retry the exam as many times as you need.

Pass the exam fast, easy, anytime, anywhere using our award-winning app.

Meet state pre-licensing requirements.

Courses in English & Spanish—learn in your preferred language.

Exam results reported to the Department within 24hrs.

Start now with 12 months of access included.

Retry the exam as many times as you need.

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Educational provider information

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Florida Department of Finances

EducUp is accredited by the Florida Department of Finances. Identifier: 373990.

CE Transcript

Course Content

Types of Policies and Features

Whole Life Products

More details

Understanding Ordinary Whole Life

Practice now!

Exploring Limited-Pay and Single-Premium Life

Practice now!

Interest-Sensitive Life Products

More details

Diving into Universal Life

Analyzing Variable Whole Life

Understanding Variable Universal Life

Exploring Interest-Sensitive Whole Life

Introduction to Indexed Life

Term Life Insurance

More details

Differentiating Level Term Life

Understanding Decreasing Term Life

Exploring Return of Premium Term Life

Analyzing Annually Renewable Term Life

Special Features of Renewable Term Life

Convertible Term Life Options

Annuities Overview

More details

Single and Flexible Premium Annuities

Immediate vs. Deferred Annuities

Understanding Fixed and Variable Annuities

Exploring Indexed Annuities

Accumulation vs. Annuity Periods

Payout Options in Annuities

Combination plans and variations

More details

Joint Life - First to Die

Enduring Together: The Survivorship Life Lesson

Policy Riders, Provisions, Options, and Exclusions

Policy Riders

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Waiver of premium and waiver of monthly deduction

Guaranteed insurability

Payor Benefit

Accidental death and/or accidental death and dismemberment

Term riders

Other insureds

Long term care

Return of premium

Disability

Cost of Living

Policy provisions and options

More details

Entire contract

Insuring clause

Free look

Consideration

Owner’s rights

Beneficiary designations: Primary and contingent

Beneficiary designations: Revocable and irrevocable

Beneficiary designations: Common disaster

Beneficiary designations: Minor beneficiaries

Beneficiary designations: Designation by class

Premium Payment (Modes, Grace Period, Automatic Premium Loan, Level or Flexible)

Reinstatement

Policy loans, withdrawals, partial surrenders

Non-forfeiture options

Dividends and dividend options (eg. participating, nonparticipating)

Incontestability

Assignments

Suicide

Misstatement of age and gender

Settlement options

Accelerated death benefits

Policy Exclusions

More details

War

Aviation

Dangerous Occupation

Completing the Application, Underwriting, and Delivering the Policies

Completing the application

More details

Signatures and Requirements

Changes in the application

Consequences of incomplete applications

Warranties and representations

Collecting the initial premium and issuing the receipt

Replacement

Disclosures at point of sale (e.g., HIPAA, HIV consent)

USA PATRIOT Act/anti-money laundering

Gramm-Leach-Bliley Act (GLBA) Privacy

Underwriting Process

More details

Insurable interest

Medical information and consumer reports

Fair Credit Reporting Act

Risk classification

Stranger/Investor-owned life insurance (STOLI/IOLI)

Policy Delivery

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Coverage Commencement

Explaining the policy and its provisions, riders, exclusions, and ratings to the client

Insurance Contract Law

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Elements of a contract (Consideration, Offer and Acceptance, Competent parties, Legal purpose)

Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)

Retirement and Insurance Concepts

Third-Party Ownership

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Understanding Third-Party Ownership in Insurance

Life Settlements

More details

Exploring Life Settlements in Insurance

Group Life Insurance

More details

Conversion privilege

Contributory vs. noncontributory

Retirement Plans

More details

Qualified plans

Nonqualified plans

Life insurance needs analysis/suitability

More details

Personal insurance needs

Assessing Business Insurance Needs (key person, buy sell)

Social Security Benefits

More details

Understanding Social Security Benefits

Tax treatment of insurance premiums, proceeds, and dividends

More details

Individual life

Group Life

Modified Endowment Contracts (MECs)

Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products

Marketing Methods and Regulations

More details

Agent Responsibilities

Disclosure - Buyer’s Guide

Disclosure - Policy Summary

Advertising and Sales Regulations

Prohibited Practices and Penalties

Suitability and Best Interest Standards

Policy and Contract Replacement Duties

More details

Agent's Responsibilities in Policy Replacement

Replacing Insurance Company Duties

Individual Life Insurance Contracts

More details

Standard Provisions and Beneficiary Protection

Prohibited Provisions in Contracts

Free Look Period

Grace Period and Policy Lapse

Designation of Beneficiary and Secondary Addressee

Non-forfeiture Options

Policy Settlement Procedures

Group Life Insurance

More details

Standard Provisions and Required Terms

Conversion Rights in Group Policies

Eligible Groups and Types of Group Coverage

Dependent Coverage in Group Policies

Employee Life Insurance Benefits

Assignment of Proceeds in Group Policies

Florida Statutes, Rules, and Regulations Common to All Lines

Financial Services Regulation

More details

Understanding the Chief Financial Officer's Role

Financial Services Commission (Office of Financial Regulation and Office of Insurance Regulation)

Department of Financial Services

More details

General duties and powers: Agent and adjuster licensing and investigations

General duties and powers: Cconsumer services

General duties and powers: Insurance fraud

General duties and powers: Receivership

General duties and powers: Unclaimed property

Office of Insurance Regulation

More details

General duties and powers: Policy approval authority

General duties and powers: Rates and forms

Market Conduct Examinations

Agency Actions

Investigation

Office of Financial Regulation

More details

General duties and powers

Agency Actions

Investigations

Definitions

More details

Insurance contract

Insurance Transaction

Insurer

Reinsurance

Domestic Company

Foreign Company

Alien company

Fraternals

Authorized and unauthorized companies/admitted and non-admitted companies

Stock and mutual companies

Unlicensed entities

Certificate of authority

Licensing

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Purpose

License Types (agent, agency)

Appointments (Company, Unaffiliated)

License Requirements (Education, Application, Background Check, Examination)

Maintaining a license (Continuing education, Communicating with the Department)

Maintaining a license (Record Keeping, Criminal and administrative actions)

Agent responsibilities

More details

Fiduciary capacity (Definition, Premium accountability, Separate account requirements)

Commissions and compensation/ charges for extra services

Reply to DFS and/or Office of Insurance Regulation

Agent responsibilities: Ethics

Insurance guaranty fund

More details

Expanding on Insurance guaranty fund

Marketing practices

More details

Unfair methods of competition (Sliding, Coercion, Misrepresentation, Defamation)

Unfair methods of competition (False advertising, Unfair discrimination, Unfair claims practices)

Unfair methods of competition (Fraud, Controlled business, Twisting, Churning, Rebating, Concealment)

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Frequently asked questions

What is continuing education and why is it important?
What certifications do Educup courses support?
What type of professionals are these courses geared toward?
How do I know if I need continuing education for my profession?
Are the courses online? Can I take them at my own pace?
How can I enroll in continuing education courses?
Will I receive a certificate upon completion of a course?
Do Educup courses meet continuing education requirements in other states?
Is there any support available if I have questions about the courses?
What is the refund policy in case I can't complete a course?

What is continuing education and why is it important?
What certifications do Educup courses support?
What type of professionals are these courses geared toward?
How do I know if I need continuing education for my profession?
Are the courses online? Can I take them at my own pace?
How can I enroll in continuing education courses?
Will I receive a certificate upon completion of a course?
Do Educup courses meet continuing education requirements in other states?
Is there any support available if I have questions about the courses?
What is the refund policy in case I can't complete a course?