MilesToPass

Florida Life & Health Insurance License Exam Prep

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12 free lessons · 480 free practice questions with explanations · ♪ podcast feed -- no account needed. See all 92 lessons in order →

Take the free mixed practice test · Florida law questions only

Florida exam facts

Questions
150 scored + 15 unscored
Time
2 hr 45 min
Passing score
70% correct
Exam fee
$44
Testing vendor
Pearson VUE (2-15 exam)
Pre-licensing course
60-hour approved course

Verified against 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License (Florida Department of Financial Services), Florida Insurance Licensing Candidate Handbook, 2024 (#121000) (Pearson VUE) and Florida Insurance Examination Content Outlines, effective January 1, 2026 (#121003) (Pearson VUE / Florida Chief Financial Officer). Reviewed by Tony. More about the exam ↓

Official Florida resources

What it costs

$69 one-time · 12-month access

Free
12 lessons and 480 practice questions — no account needed.
Plan adds
80 more lessons and 3200 more practice questions, plus spoken rationales, mock exams, and progress synced across phone and web.

One-time payment, no subscription. Full refund on request within 5 days — see the terms.

About the Florida 2-15 exam

License
2-15 Health & Life (Including Annuities & Variable Contracts) Agent1
Exam
Florida Agent's Health & Life (including Annuities & Variable Contracts), given by Pearson VUE2,3
Questions
150 scored, plus 15 unscored pretest questions3
Time
2 hours 45 minutes3
Passing score
70% of questions answered correctly2
Exam fee
$442
License fees
$50 application + $5 license ID; fingerprinting paid separately to the vendor1,2
Pre-licensing course
60-hour approved course, completed within 4 years of applying (some exemptions)1
Retakes
Pay again each time; at most 5 attempts at the same exam in 12 months2

Unlike Texas, Florida won't license you on the exam alone. The 2-15 license — health, life, and annuities including variable contracts — requires a 60-hour state-approved pre-licensing course, finished within four years of applying. Certain professional designations, a qualifying insurance degree, or a license already held in another state can substitute for the course or waive it; the Department of Financial Services' license page lists exactly which. If you take the course, your provider reports completion to the Department for you.1

The exam is 150 scored questions in 2 hours 45 minutes, covering general life, health and annuity knowledge alongside Florida statutes, rules and regulations. Fifteen unscored "pretest" questions are mixed in and are not marked, so treat every question as if it counts.2,3

Florida's pass mark is a plain 70%: the questions you got right divided by the total. If you don't pass, you book again and pay the $44 again, up to five attempts at the same exam in any 12-month period.2

To be licensed you must be at least 18 and a Florida resident, apply online through your MyProfile account with the Department ($50 application fee plus a $5 license ID fee), and be fingerprinted. A passing score is good for one year — finish licensing inside that year or you will retake the exam. The license also needs an appointment from an insurer before it is valid for selling.1,2

Our lessons and questions follow the published content outline, section by section. The rules above are the Department's and Pearson VUE's, not ours, and fees and outlines do change — check the official pages below before you book.3

Official sources

  1. Florida Department of Financial Services: 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License
  2. Pearson VUE: Florida Insurance Licensing Candidate Handbook, 2024 (#121000)
  3. Pearson VUE / Florida Chief Financial Officer: Florida Insurance Examination Content Outlines, effective January 1, 2026 (#121003)

Checked against these sources as of .

Course outline

92 lessons in 12 modules, in study order. Tap a module to show its lessons.

Module 1 · 7 lessons

Types of life policies and features

Includes a free lesson: Traditional whole life products
Module 2 · 9 lessons

Life policy riders, provisions, options, and exclusions

Includes a free lesson: Waiver, guaranteed-insurability, payor, and accidental-death riders
Module 3 · 7 lessons

Completing the life application, underwriting, and delivering the policy

Includes a free lesson: Application mechanics: signatures, changes, and incomplete applications
Module 4 · 7 lessons

Retirement and other life insurance concepts

Includes a free lesson: Third-party ownership of life insurance
Module 5 · 9 lessons

Types of health policies

Includes a free lesson: Disability income and accidental death and dismemberment policies
Module 6 · 8 lessons

Health policy provisions, clauses, and riders

Includes a free lesson: Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
Module 7 · 3 lessons

Social insurance

Includes a free lesson: Medicare Parts A, B, C, and D
Module 8 · 11 lessons

Other health insurance concepts

Includes a free lesson: Disability classifications: total, partial, recurrent, and residual
Module 9 · 7 lessons

Field underwriting procedures

Includes a free lesson: Completing the health insurance application
Module 10 · 9 lessons

Florida statutes, rules, and regulations common to all lines

Includes a free lesson: Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
Module 11 · 6 lessons

Florida statutes pertinent to life and annuity insurance

Includes a free lesson: Life and annuity marketing methods and practices
Module 12 · 9 lessons

Florida statutes pertinent to health insurance

Includes a free lesson: Standard health policy provisions and group health eligibility