This study manual is designed to assist individuals interested in the

insurance profession in obtaining a thorough knowledge of Florida s

laws and rules and an accurate understanding of insurance theory

and practice.

In meeting its responsibility to protect the interest of the insurance-

buying public, the Florida Department of Insurance has set forth the

goals of vigorous consumer protection, coupled with a healthy and

growing insurance marketplace and financial solvency within the

industry itself.

In order to achieve these goals, the Department needs the full

cooperation of the insurance professionals in Florida. This study

manual will help to guide interested persons in reaching appropriate

levels of professionalism.

This manual is both a basis for study, especially for those entering

the field of life and health insurance including variable annuities,

and a means for keeping up with the rapid changes taking place

within the insurance industry. As in any profession, it is important

that individuals working in insurance monitor changing trends,

regulations and services that affect their customers--the public.

The Department pledges to monitor changes in the insurance

industry in order to regularly revise this publication and better

serve those who use it. The Department welcomes suggestions for

improvement in those revisions and we encourage the efforts of

those who have chosen this manual as an important guide to

insurance law and practice.