State RegulationsFL specificDifficulty 1/5
A Florida agent obtains a life application by forging the applicant's signature on the policy request. Under current Florida law, this is
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 626.9541(1)(ee), forging or fraudulently using a signature on an insurance document is a third-degree felony punishable by a fine of up to $187,500. Signature fraud strikes at the integrity of the application itself, so Florida treats it more severely than most other unfair trade practices, which are typically misdemeanors with smaller fines.
Why the other options are wrong
- B) A first-degree misdemeanor with a $12,500 fine is the twisting/churning tier, not the felony forgery tier.
- C) Forgery in insurance carries criminal felony exposure, not merely civil penalties.
- D) The offense is a third-degree felony with a specified fine of up to $187,500.
Memory hook
Forged signature: felony, $187,500.