State RegulationsFL specificDifficulty 2/5
After a Miami agency owner dies suddenly, his longtime employee applies for a temporary license to service the book of business. Under Fla. Stat. 626.175(1), such a license
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 626.175(1), a temporary license may be issued - for at most 6 months, nonrenewable - only when the applicant's own agent dies, becomes disabled, or enters military service, and it goes to that agent's employee, family member, partner, or estate representative. The temporary licensee steps into the original agent's shoes and may not represent insurers the original agent did not represent.
Why the other options are wrong
- B) The license is nonrenewable; no extension term is available.
- C) Passing the exam alone does not qualify an applicant; the license is tied to the death, disability, or military service of the applicant's own agent.
- D) The holder inherits only the original agent's insurer relationships, not a general right to represent any willing insurer.
Memory hook
Temporary = 6 months, no renewal, the deceased agent's shoes only.