Florida Life and Health Insurance License Practice Test 2025 - Free Insurance Practice Questions and Study Guide

A pre-existing condition mentioned on a health insurance application and noted two months before policy issuance is typically treated as a pre-existing condition possibly not covered for a year. The look-back period for pre-existing conditions is usually one year, so any condition mentioned within that time frame may not be covered by the policy. This is to prevent individuals from waiting until they are ill to sign up for insurance. Option A is incorrect because even though there is a look-back period, it does not necessarily mean the condition will not be covered at all. Option B is incorrect as well, as immediate coverage is not guaranteed for pre-existing conditions. Option D is incorrect because disclosing a condition before policy issuance does not mean it will be ignored. It still falls under the pre-existing condition guidelines.