What's on the Florida life and health insurance exam
What is on the Florida life and health insurance exam (2-15): every section with its number of scored questions, how much of the exam it is, and the lessons that cover it.
Or practice just the state law section: Florida law practice test →
About the exam
The Florida exam for the 2-15 Health & Life (Including Annuities & Variable Contracts) Agent license is the Florida Agent's Health & Life (including Annuities & Variable Contracts), given by Pearson VUE. It has 150 scored, plus 15 unscored pretest questions. You have 2 hours 45 minutes.1,2,3
Exam sections and question weights
Every section, with the lessons that cover it
Study the heaviest sections first: Florida statutes, rules, and regulations common to all lines (20 questions), Types of health policies (17 questions), Types of life policies and features (15 questions).
101 of the 150 scored questions are general knowledge and 49 are state law.3
| Section | Scored questions | Share of exam | Type |
|---|---|---|---|
| Types of life policies and features | 15 | 10.0% | General knowledge |
| Life policy riders, provisions, options, and exclusions | 15 | 10.0% | General knowledge |
| Completing the life application, underwriting, and delivering the policy | 12 | 8.0% | General knowledge |
| Retirement and other life insurance concepts | 8 | 5.3% | General knowledge |
| Types of health policies | 17 | 11.3% | General knowledge |
| Health policy provisions, clauses, and riders | 15 | 10.0% | General knowledge |
| Social insurance | 6 | 4.0% | General knowledge |
| Other health insurance concepts | 6 | 4.0% | General knowledge |
| Field underwriting procedures | 7 | 4.7% | General knowledge |
| Florida statutes, rules, and regulations common to all lines | 20 | 13.3% | State law |
| Florida statutes pertinent to life and annuity insurance | 15 | 10.0% | State law |
| Florida statutes pertinent to health insurance | 14 | 9.3% | State law |
| Total | 150 | 100% |
Types of life policies and features
- Traditional whole life products Free · practice set
- Interest- and market-sensitive life products
- Term life insurance types
- Term life renewability and convertibility features
- Annuity premium and timing structures
- Annuity classification and payout options
- Combination and survivorship life plans
Life policy riders, provisions, options, and exclusions
- Waiver, guaranteed-insurability, payor, and accidental-death riders Free · practice set
- Term, other-insured, and long-term-care riders
- Return-of-premium, disability, and cost-of-living riders
- Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Beneficiary designation rules
- Premium payment modes and grace period
- Reinstatement, policy loans, and nonforfeiture options
- Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Policy exclusions: war, aviation, and dangerous occupation
Completing the life application, underwriting, and delivering the policy
- Application mechanics: signatures, changes, and incomplete applications Free · practice set
- Collecting the initial premium and issuing the receipt
- Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Underwriting: insurable interest, medical information, and risk classification
- Policy delivery and explaining the contract to the client
- Insurance contract law and its unique characteristics
Retirement and other life insurance concepts
- Third-party ownership of life insurance Free · practice set
- Life settlements
- Group life insurance conversion and contribution
- Qualified and nonqualified retirement plans
- Life insurance needs analysis for individuals and businesses
- Social Security benefits
- Tax treatment of life insurance premiums, proceeds, and MECs
Types of health policies
- Disability income and accidental death and dismemberment policies Free · practice set
- Basic and major medical expense insurance
- Managed care structures: HMO, PPO, and POS plans
- Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Medicare supplement policies
- Group health insurance and COBRA
- Individual and group long-term care insurance
- Dental, vision, and specified-disease policies
- Worksite, hospital indemnity, short-term medical, and accident policies
Health policy provisions, clauses, and riders
- Mandatory provisions I: entire contract, incontestability, grace period, reinstatement Free · practice set
- Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Health policy riders
- Rights of renewability
Social insurance
- Medicare Parts A, B, C, and D Free · practice set
- Medicaid
- Social Security benefits (disability and retirement)
Other health insurance concepts
- Disability classifications: total, partial, recurrent, and residual Free · practice set
- Owner's rights
- Dependent children benefits
- Primary and contingent beneficiaries
- Modes of premium payment
- Nonduplication and coordination of benefits
- Occupational versus non-occupational classification
- Tax treatment of premiums and proceeds
- Managed care concepts
- Workers' compensation
- Subrogation
Field underwriting procedures
- Completing the health insurance application Free · practice set
- Sources of insurability and HIPAA privacy disclosures
- Initial premium collection and receipt consequences
- Submitting the application for underwriting
- Policy delivery and explaining the contract
- Replacement of health insurance
- Insurance contract law and insurable interest
Florida statutes, rules, and regulations common to all lines
- Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR Free · practice set
- Insurance entity definitions
- Licensing: purpose, license types, appointments, and requirements
- Maintaining a license: continuing education, recordkeeping, and disciplinary actions
- Agent responsibilities: fiduciary capacity, compensation, and ethics
- Florida Insurance Guaranty Association
- Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Unfair trade practices III: twisting, churning, rebating, and concealment
Florida statutes pertinent to life and annuity insurance
- Life and annuity marketing methods and practices Free · practice set
- Policy or contract replacement duties
- Individual life contract standard provisions
- Individual life nonforfeiture options and policy settlement
- Group life standard provisions and conversion rights
- Group life eligible groups, dependent coverage, and assignment of proceeds
Florida statutes pertinent to health insurance
- Standard health policy provisions and group health eligibility Free · practice set
- Health insurance disclosure requirements
- Medicare supplement required provisions and enrollment periods
- Medicare supplement disclosure, replacement, and standardized benefits
- Long-term care policy standards and terminology
- Long-term care replacement, lapse protection, and partnership programs
- Small employer group health requirements
- Florida Healthy Kids Corporation and HIV/AIDS testing requirements
- Health plan types and dread disease policies
Official sources
- Florida Department of Financial Services: 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License
- Pearson VUE: Florida Insurance Licensing Candidate Handbook, 2024 (#121000)
- Pearson VUE / Florida Chief Financial Officer: Florida Insurance Examination Content Outlines, effective January 1, 2026 (#121003)
Checked against these sources as of .