Florida Life & Health
Insurance Exam
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How to Pass the FL Pearson VUE Insurance Licensing Exam
Passing the Florida Life, Health & Variable Annuity (2-15) insurance exam requires mastering state statutes, ethics, Medicare, and variable products. Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & Health insurance license in Florida must pass this state licensing exam administered by Pearson VUE.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Florida insurance license can be issued.
Local Testing Centers
Take your Pearson VUE exam in-person at authorized testing locations across Florida, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Florida Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Florida, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Focus on Florida Rules
Approximately 25% of the exam covers Florida-specific laws. Do not neglect this section.
Understand the definition of "Transacting Insurance"
Florida law has a very broad definition of what constitutes transacting insurance. Know the details.
Review the Code of Ethics
Florida requires a strong understanding of ethical responsibilities, including trade practices and fiduciary duties.
Practice Calculations
Be prepared for basic calculations regarding premiums, deductibles, and coinsurance.
Common Mistakes
Pitfalls to avoid on test day
Florida Statutes
The Florida specific regulations are detailed and often confused with general insurance laws.
Variable Annuity Licensing
Remembering that a securities license (FINRA) is also required for variable products.
Medicare Supplement specifics
Florida has specific rules for Medicare Supplement policies, including standardized plan availability.
Long-Term Care Partnership
Understanding the asset protection features of the Florida Long-Term Care Partnership Program.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free FL Insurance Exam Practice PDF
Download our comprehensive practice test with 50 Florida-specific insurance exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free FL Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Florida insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the Florida insurance licensing exam
How do I get my Florida insurance license?
First, complete a pre-licensing course (required in Florida). Then, pass the state exam administered by Pearson VUE. Finally, apply for your license through the Florida Department of Financial Services and submit fingerprints.
What is the passing score for the Florida insurance exam?
You must score at least 70% to pass the Florida insurance exam.
How many questions are on the Florida 2-15 exam?
The Life, Health & Variable Annuity (2-15) exam consists of 160 questions (150 scored, 10 pretest).
Who administers the Florida insurance exam?
The exam is administered by Pearson VUE.
Is pre-licensing education required in Florida?
Yes, Florida requires completion of a state-approved pre-licensing course (usually 60 hours for the 2-15 license) before you can take the exam.
How much does the Florida insurance exam cost?
The exam fee is approximately $44 per attempt.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Florida Department of Financial Services exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life, Accident & Health exam — so you practice with questions that closely mirror the actual Pearson VUE licensing exam.
Life Insurance
180 questions
Health Insurance
264 questions
General Insurance
128 questions
Annuities
81 questions
FL Law & Ethics
78 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Florida life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Florida health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
700+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Florida state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 480-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 80-question Life section and a 80-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
Essential Florida Insurance Exam Guides & Tips
Master every aspect of the Florida insurance licensing exam with our expert guides and insider knowledge.