State RegulationsFL specificDifficulty 2/5
An aging Florida LTC policyowner has designated her adult child as secondary addressee. When a premium becomes delinquent, the insurer must:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Florida's LTC standards in Chapter 627, Florida Statutes, once a secondary addressee is designated, the insurer must send copies of premium delinquency and lapse-related notices to that designee in addition to the policyowner. The mechanism only works if the notice actually reaches the designee, which is why mailing to both the insured and the secondary addressee is the operative duty.
Why the other options are wrong
- A) Keeping the notice in the insurer's file defeats the entire purpose of the secondary addressee safeguard.
- B) Designating a secondary addressee does not excuse the premium; it only ensures someone learns of the delinquency in time to act.
- C) The designation exists precisely for delinquency situations; late premiums do not wipe out the designee's status.
Memory hook
Delinquent premium = notice to both the insured and the designee.