Florida Life & Health Insurance Exam 2026

What This License Is

A Florida 2-15 license allows you to sell life insurance, health insurance, annuities (including variable annuities), and variable life insurance to individuals and businesses in Florida. It is issued by the Florida Department of Financial Services (DFS) and is required for anyone who solicits, negotiates, or sells these products in the state.

The “2-15” designation refers to the license class number used by Florida. It is the most comprehensive life and health license available in the state because it includes authority to sell variable products — something that requires separate securities licenses in many other states.

The licensing process has four main steps: complete pre-licensing education, get fingerprinted, pass the state exam administered by Pearson VUE, and submit your license application through the DFS MyProfile system. This guide walks through each step in detail.

Eligibility Requirements

To apply for a Florida 2-15 insurance license, you must meet the following requirements:

There is no degree or prior experience requirement. Anyone who meets the age, education, and background check requirements can apply.

Pre-Licensing Education

Before you can take the licensing exam, you must complete a DFS-approved 60-hour pre-licensing course. This is significantly longer than most states' requirements, reflecting Florida's thorough approach to insurance education.

Courses are available online or in-person from DFS-approved education providers. Online self-paced courses are the most popular option — they typically cost between $100 and $250. Most providers offer 60-day enrollment periods, though some offer longer access.

After completing the course, you'll receive a certificate of completion. Your education provider reports your completion to Pearson VUE electronically, which allows you to schedule your state exam.

Your pre-licensing education is valid for 4 years. You must pass the state exam within 4 years of completing your pre-licensing course. This is much more generous than most states, which typically give you only 12 months.

Fingerprinting

Florida requires electronic fingerprinting for all insurance license applicants. Your fingerprints are used for a background check through the Florida Department of Law Enforcement (FDLE) and the FBI.

You can complete fingerprinting before or after passing your exam. Many candidates choose to get fingerprinted early in the process so the background check has time to clear before they apply for their license.

Florida uses IdentoGO by IDEMIA to process fingerprints. You can schedule an appointment at an IdentoGO location throughout Florida. The fingerprinting fee is approximately $48.05.

When you go, you'll need to bring a valid government-issued photo ID. Your fingerprint results are submitted electronically to the DFS — you do not need to mail anything. You can register and pay for fingerprinting through the DFS website or by calling (800) 528-1358.

Exam Format

The Florida insurance licensing exam is administered by Pearson VUE. The 2-15 exam format is as follows:

Which should you choose? Most people take the 2-15 exam. It qualifies you to sell life insurance, health insurance, annuities, and variable contracts with a single license. The 2-15 is the most versatile license and is what most employers and agencies expect you to have.

Note that 15 of the 165 questions on the 2-15 exam are unscored “pretest” questions that Pearson VUE uses for future exam development. You won't know which questions are unscored, so treat every question as if it counts.

What the Exam Covers

The 2-15 exam tests your knowledge across the following areas:

Florida-specific law and regulation questions make up a significant portion of the exam. This is the area that trips up candidates who use only generic national study materials. Pay close attention to Chapter 626 of the Florida Statutes and the specific rules that govern insurance transactions in Florida.

Scheduling Your Exam with Pearson VUE

After completing your pre-licensing education, you can schedule your exam through Pearson VUE's website or by calling (888) 274-2020. You'll need to create a Pearson VUE account if you don't already have one.

When scheduling, you'll select:

Important: Florida insurance exams are in-person only. Online proctoring (OnVUE) is no longer available for Florida insurance exam reservations. You must test at a physical Pearson VUE testing center.

You can reschedule or cancel your exam appointment through your Pearson VUE account. Check Pearson VUE's cancellation policy for deadline requirements to avoid forfeiting your exam fee.

Exam Fees

Florida's exam fees are straightforward:

Total for first-time licensing: approximately $250–$400 including pre-licensing course tuition ($100–$250), exam fee ($44), fingerprinting (~$48), and license application ($55).

Compared to many other states, Florida's exam fee is quite affordable at $44 per attempt. The pre-licensing course is the largest expense due to the 60-hour requirement.

Exam Day

Arrive at the Pearson VUE testing center at least 30 minutes before your scheduled appointment. You'll need to present a valid government-issued photo ID (driver's license, passport, or state ID). The name on your ID must exactly match the name on your exam registration.

You'll be given a locker or asked to leave personal belongings outside the testing room — no phones, notes, watches, or study materials are allowed. You will be provided with scratch paper or a dry-erase board for calculations during the exam.

The exam is multiple-choice on a computer. You can flag questions to review and navigate back and forth between questions. With 165 questions in 2 hours and 45 minutes on the 2-15 exam, you have exactly 1 minute per question on average.

At the end of the allotted time (or when you submit), your score is calculated instantly and you'll see your pass/fail result on screen before leaving the testing center.

Passing Score

The passing score for Florida insurance licensing exams is 70%.

Florida's 70% passing score is higher than some states (California requires only 60%). Combined with 165 questions and a 60-hour pre-licensing requirement, Florida's exam is considered one of the more demanding insurance licensing exams in the country. Most successful candidates study for 60–100 hours over 3–6 weeks beyond their pre-licensing course.

If You Pass

When you pass the exam, you'll see your result on screen immediately at the testing center. Pearson VUE reports your passing score to the DFS electronically.

Your next step is to apply for your license through the DFS MyProfile system. You'll create an account (if you don't have one), submit your application, and pay the $55 fee ($50 application + $5 license ID).

You must apply within 1 year of passing the exam. If you wait longer than 12 months, your exam results expire and you'll need to retake the exam.

Your license will not be issued until your fingerprint background check clears — this is why it's a good idea to get fingerprinted early in the process. Once everything is processed, your license is typically issued within a few business days.

If You Fail

If you don't pass, you'll see your score on screen along with a breakdown of your performance by topic area. This diagnostic information is valuable — use it to focus your studying before retaking the exam.

Florida allows you to retake the exam, but there are limits:

Each retake costs $44. Use your diagnostic report to identify weak areas and focus your studying. If Florida-specific law was your weakest section, spend extra time reviewing Chapter 626 of the Florida Statutes.

Applying for Your License

Once you've passed the exam and completed fingerprinting, you're ready to apply for your license through the DFS MyProfile system:

You can also apply through NIPR (National Insurance Producer Registry) or Sircon, which are third-party platforms that submit your application to the DFS on your behalf. These services charge a small convenience fee on top of the state fees.

License Types

Florida categorizes insurance licenses by class number. The main license types relevant to life and health insurance are:

A key advantage of Florida's 2-15 license is that it includes variable product authority. In many other states, you need separate securities licenses (Series 6 or Series 7) through FINRA to sell variable products. While you still need FINRA registration, the Florida 2-15 license covers the state insurance licensing component for variable products.

Florida licenses are perpetual — meaning there is no license expiration or renewal. As long as you complete your continuing education requirements, your license remains active indefinitely.

Continuing Education

To keep your license active, you must complete continuing education (CE) every 2 years. The requirements depend on how long you've been licensed:

Your CE due date is the last day of your birth month every 2 years. CE courses are available online from DFS-approved providers and typically cost between $20 and $60 for a complete package.

There is no license renewal fee in Florida. Since Florida licenses are perpetual, you only need to complete your CE requirements — there is no renewal application or fee. If you fail to complete CE by your due date, your license will be suspended until you complete the required courses and pay any applicable late fees.

Insurer Appointments

Having a license is necessary but not sufficient to sell insurance. You also need to be appointed by at least one insurance company. An appointment is the formal authorization from an insurer that allows you to represent their products.

Appointments are initiated by the insurance company, not by you. When you join an agency or sign a contract with a carrier, the insurer files an appointment notice with the DFS on your behalf. There is a small appointment fee that the insurer typically pays.

You can be appointed by multiple insurance companies simultaneously. Many producers are appointed with several carriers to offer a wider range of products to their clients. Your appointment status is visible in the DFS's public license lookup tool.

Study Strategy

Most successful candidates spend 60 to 100 hours studying (beyond the pre-licensing course) over a period of 3 to 6 weeks. Florida's exam is longer and has a higher passing score than many states, so thorough preparation is essential. Here's a proven approach:

Practice Tests

Taking practice tests is the single most effective way to prepare. They help you get comfortable with the question format, identify knowledge gaps, and build confidence before the real exam.

Practice exams should cover all tested topics including life insurance, health insurance, annuities, variable contracts, and Florida insurance law. Questions should be written in the same multiple-choice format as the actual Pearson VUE exam.

A good benchmark: if you can consistently score 80% or higher on practice tests, you're likely ready for the real exam. The actual passing score is 70%, so aiming for 80% gives you a comfortable margin for exam-day nerves.

Common Mistakes

These are the most common reasons candidates fail the Florida insurance exam:

Quick Reference

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